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Car loans in Delaware

Local options offer rates under 4% for well-qualified borrowers.

Compare car loans available in Delaware

Local banks and credit unions typically offer lower rates than you'd find at the dealership. Compare national lenders against Delaware-based lenders to find the best deal.

Name Product Filter Values Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% to 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates.
3.49% (as low as)
1 to 6 years
18+ years old, US citizen or permanent resident
A car loan connection service for borrowers looking to refinance.
Good to excellent credit
Starting at 1%
1 to 20 years
18+ years old, good to excellent credit, US citizen
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.

Compare up to 4 providers

Getting approved for a car loan in Delaware

Delaware doesn't have any set laws that cap interest or govern how lenders operate, so there are no extra steps you need to take to be approved for a loan. When you apply, your lender will ask for some basic personal information — including your Social Security number and current financial details — to confirm your eligibility.

If approved, your final loan contract should contain the sale price of the vehicle and your down payment alongside the fees, insurance, finance charges, the amount of each payment and the final cost of your loan. Confirm that these match the numbers from the dealership before signing.

If you aren't approved, the lender you applied with should provide reasons for the rejection.

Banks and credit unions in Delaware that offer auto loans

Alongside large national banks, these local banks and credit unions may be good places to start when you're on the hunt for competitive rates.

Del-One Federal Credit Union

New and used vehicles, recreational vehicles

As low as 2.74%

Dexsta Federal Credit Union

New and used vehicles, recreational vehicles

As low as 2.99%

Dover Federal Credit Union

New and used vehicles, loan refinancing, recreational vehicles

As low as 2.49%

Tidemark Federal Credit Union

New and used vehicles, loan refinancing, recreational vehicles

As low as 2.95%


New and used vehicles

As low as 3.74%

Community Bank Delaware

New and used vehicles

Not stated

Artisans' Bank

New and used vehicles

As low as 3.75%


New and used vehicles

As low as 3.75%

Bottom line

Banks and credit unions in Delaware offer solid deals — although you may have to open an account to qualify for a loan. Compare local lenders and learn more about your other car loan options before heading to the dealership.

Frequently asked questions

Our answers to two common questions about car loans in Delaware.

Can I qualify for a car loan with bad credit?

Yes — there are car loan options for borrowers with bad credit. Some lenders in Delaware offer loans even with a less-than-perfect score, but be prepared to pay higher interest rates when you borrow.

Are title loans the same as car loans?

Title loans and car loans are very different products. A title loan is a short-term loan that uses your car title as collateral. A car loan is used to purchase a new or used vehicle.

Delaware sets specific guidelines for its title loans, although it doesn't cap the fees or interest a lender can charge. Like with all short-term loans, auto title loans are an expensive option that should only be used as a last resort.

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