Home › Compare › AUTOPAY vs DCU
Head-to-Head · April 2026

AUTOPAY vs DCU

Side-by-side comparison of rates, terms, approval criteria, and use cases to help you choose between AUTOPAY and DCU for your 2026 auto loan.

Side-by-Side Comparison

Marketplace
EDITOR'S PICK
AUTOPAY
4.67% APR from
Score: 9.3/10

Best for: Refinancers who want a transparent rate grid by credit band

Pros

  • Publishes rate grid by credit band
  • All credit profiles
  • Up to 96-month terms
  • Refinance specialist

Cons

  • Not a direct lender
  • Best rates need good credit
  • Longer terms = more interest
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Credit Union
DCU
4.74% APR from
Score: 8.1/10

Best for: EV buyers and used car buyers who want credit union rates

Pros

  • Same rate for new and used
  • EV-specific discount
  • Open membership
  • No origination fee

Cons

  • Must join credit union
  • Not lowest rate for new cars
  • Less well-known brand
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Our Verdict

AUTOPAY rates slightly ahead overall with a 9.3/10 score versus 8.1/10. Choose DCU if you specifically need ev buyers and used car buyers who want credit union rates.

Detailed Comparison Table

FeatureAUTOPAYDCU
Starting APR4.67%4.74%
Editor Score9.3/108.1/10
Lender TypeMarketplaceCredit Union
Min Credit ScoreNoneNot published
Loan Terms24–96 moUp to 84 mo
Best ForRefinancers who want a transparent rate grid by credit band...EV buyers and used car buyers who want credit union rates...
Affiliate Disclosure: We may earn a commission from both lenders when you apply. Comparison is editorial and based on published data verified April 2026. Rates depend on your credit, income, vehicle, and state. Our methodology →

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