Auto Smart

Your smart choice for stress-free car-buying.

Go online, view thousands of vehicles, and get a great deal.

Find your next ride here
Research Vehicle Prices
Search for Specific Models
Learn About Financing
Read Dealer Reviews

It's as easy as driving with cruise control.

Some people like going from dealer to dealer, searching for the perfect car, truck, or SUV. Others want to spend less time shopping and more time behind the wheel. If that sounds like you, let us suggest the no-hassle, time-saving AutoSMART experience.

  • Shop for new and used vehicles
  • Research prices and trade-in values
  • Browse inventories of far-off dealers 
  • Learn more about financing and insurance

Auto Loan Rates

Year-Model Term Rate*
2020 — 202372 months5.49%
2020 — 202375 months5.74%
2020 — 202378 months5.99%
2020 — 202384 months6.24%
2018 — 201972 months5.69%
2018 — 201975 months5.94%
2018 — 201978 months6.19%
2016 — 201760 months5.69%
2016 — 201766 months6.19%
2014 — Older48 months7.49%
2015 — Older60 months7.99%

*Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. There is an additional .15% discount for 80% LTV available. Certain restrictions and terms may apply. Subject to credit approval. APR is accurate as of 6/25/2022. All Loans Must be MLA Compliant.

DATCU is a full-service financial institution serving Denton, Cooke, Wise, Montague, Collin, Dallas, Tarrant, Jack, Parker, Grayson and Clay counties in Texas.

Rates As Low As
5.49% APR
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