Vehicle Loans

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Drive on easy street.

The road to ownership is easy! Ask for a DuTrac vehicle loan at the dealership or get pre-approved before you shop.

Count on DuTrac for loans for both new and used cars, trucks, and more: 

  • Automobiles
  • Motorcycles
  • Campers/Travel trailers
  • Motor homes
  • Snowmobiles
  • Jet skis
  • ATVs
  • Garden tractors
  • Boats

For qualified members, a DuTrac loan also offers:

  • A rate based on standard underwriting and creditworthiness criteria.
  • Fast online (apply below) or in-branch approvals
  • Pre-approved loans
  • A .25% discount when using an EcoPlus Account with e-Statements and a recurring direct deposit

Already have a vehicle loan with another lender? Ask about DuTrac’s Member Advantage.

Any DuTrac member, at any time, can move any secured consumer loan(s) with another lender to DuTrac and receive an interest rate discount of up to or more than 1% less interest than you’re currently paying. If DuTrac’s standard rate is even lower, you’ll receive the lower rate.*

*Membership in DuTrac Community Credit Union is a condition of this offer. To qualify for membership, certain eligibility requirements must be met. Loan approval is subject to DuTrac’s normal underwriting guidelines and some restrictions apply. Borrower rate is based on standard underwriting and creditworthiness criteria, loan amount requested in relation to vehicle value percentage, and mileage of vehicle at the time of purchase.


Additional benefits available include:

GAP coverage stands for “Guaranteed Auto Protection” and is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot. *

This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan. Plus, it helps you get into your next vehicle by reducing your loan at the credit union by $1,000.

Our GAP Plus program includes Deductible Assistance which is designed to provide financial relief when your vehicle is damaged but not deemed a total loss. If repairs cost more than your deductible, the deductible amount is applied to your vehicle loan at the credit union, reducing what you owe.

*Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018.
Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.
GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.
GAP-2488407.1-0419-0521 © CUNA Mutual Group, 2019. All Rights Reserved.

Minimize the disruption of car repairs with mechanical repair coverage. Three plan types are available, covering additional mileage up to 150,000 miles, with deductibles available from $0.00 to $500.00.

For more information or to receive a quote, stop by any branch location or contact a DuTrac representative at 563-582-1331.


Our Member’s Choice Payment Protection can help if your income is reduced or eliminated due to involuntary unemployment, a disabling injury or illness or an unexpected death. Click here to begin a Member Protection claim.


DuTrac has made arrangements with the following dealerships to provide DuTrac members with financing right at the dealership. Drive your new purchase home the same day knowing you received DuTrac’s great loan rates and terms. Ask your dealer for financing from DuTrac.

Anderson Weber
Bastian’s Auto Outlet
Billion Auto – Clinton
Birdnow Chevrolet – Monona
Bogey Motors – Muscatine
Brad Deery Maquoketa Ford
Brad Deery Motors
Brenny’s Motorcycle Clinic
Bridgeport Auto Sales
Browns West Branch Ford
Browns Sales & Leasing – Elkader & Guttenberg
Browns Sales & Leasing – West Branch
Cheyenne Camping Center
Clinton Auto Group
Clinton Harley-Davidson
Courtesy Ford
Dahl Ford
Dan Deery Motors – Waterloo
Dan Deery Toyota – Cedar Falls
Deery Brothers of Dubuque
Dubuque Used Car Superstore – McGrath
Ed Morse Chevrolet Buick GMC Dewitt
Ed Morse Chevrolet Buick GMC Muscatine
Ed Morse Chrysler Dodge Jeep Ram Muscatine
Ed Morse Chrysler Dodge Jeep Ram North Kewanee
Ed Morse Ford Lincoln Muscatine
Ed Morse Ford North Geneseo
Eriksen Chevrolet Buick
Fillback Automotive
Fillback Automotive PDC
Fillback Ford
Finnin Ford
Finnin Kia
Freese Motors
Galena Chrysler
Green Buick GMC
Green Chevrolet
Green Family Hyundai
Hawkeye Motorworks
Herb Green Ford
Hiland Toyota Scion
Hinz Properties LLC DBA J’s Auto
Jensen Ford Lincoln – Marshalltown
John Deery Motors – Cedar Falls
Junge Ford North Liberty
Junge Lincoln Mercury – Cedar Rapids/Hiawatha
K Motorsports
Key Auto Mall
Kimberly Car City – Davenport
Kinion Auto Sales & Service – Clarence
Kromminga Motorsports
Kunes of Davenport
Kunes Country C of Platteville
Kunes Country C-B of Sterling
Kunes Country Chevrolet of Morrison
Kunes Country Ford of Sterling
Kunes Ford of East Moline
Les Mack Chevrolet Buick
Les Mack Ford
Lindquist Ford
Lou Fusz Kia of Moline
Lou Fusz Nissan of Moline
Louisburg Garage
Lynch Ford Chevrolet
Majeski Motors – Sterling, IL
McGrath Buick | GMC | Cadillac | KIA
McGrath Chevrolet of Dubuque
McGrath Coralville Used Car Superstore
McGrath Davenport Used Car Superstore – Davenport
McGrath Dubuque Harley-Davidson
McGrath Ford Hyundai BMW
McGrath Hyundai of Dubuque
McGrath Marion Used Car Superstore
McGrath Toyota of Iowa City
McGrath Volkswagen of Dubuque
McGrath Volkswagen of Marion
Midwest Motorsports
Mills Chevrolet
NextGen Motors – Muscatine
Pat McGrath Chevyland
Pat McGrath Dodge Country
Pioneer Ford Sales
Premier Picks Auto Sales
Premier RV
Reiman’s Harley-Davidson
Richardson Motors
Riley Subaru
Road Runner Auto Sales and Service
Rotman Motors
Runde Auto Group – East Dubuque
Runde Auto Group – Manchester
Runde Auto Group – Platteville
RW Pladsen
Rydell Auto – Independence
Rydell Auto – Waterloo
Sexton Ford
Sindt Motor Sales
Smart Honda of Davenport
Smart Hyundai of Davenport
Smart KIA of Davenport
Smart Lexus of Quad Cities
Smart Luxury Motors of Quad Cities
Smart Toyota of Quad Cities
Stephen Motors
Streiter Motor Company
Sterling Chevrolet 
Tauke Motors
Thiel Motors of PV
Thiel Motor Sales
Toyota of Muscatine
Turpin Dodge Chrysler Jeep Ram
Uptown Motor Sales
Victory Ford
Zimmerman Honda

All DuTrac offices will be closed Wednesday, June 19, for Juneteenth.

All DuTrac branches will be closed on Thursday, July 4, for Independence Day.

All DuTrac branches will be closed on Monday, January 15, in observance of Martin Luther King Jr. day.

All DuTrac branches will be closed on Monday, February 19, for Presidents' Day.

All DuTrac branches will be closed on Monday, May 27, for Memorial Day.

All DuTrac branches will be closed on Monday, December 25, for Christmas Day.

All DuTrac branches will be closed on Monday, January 1, for New Year's Day.

Due to inclement weather, all DuTrac branches will close at 1:00 PM today, January 9. Online banking, AccessLine, ATMs and our app are available 24/7 for your convenience.