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Enjoy low rates and flexible terms, and drive away happy with your car loan.

Start your next new or used car search at Day Air Credit Union and get some of the best rates, terms, features and unrivaled service in the Miami Valley.

Interested in refinancing? See if you could save on your current car payment today! Learn More

Competitive Rates

Because we put people before profits we able to offer some of the best car loan rates in Dayton and the surrounding communities. View Rates 

Flexible Terms

Our team of lending experts will work with you to build a car loan with terms that are affordable and fit your lifestyle.

Up to 110% Financing

Finance up to 110% of the value of your new car. 

Free Pre-Approvals

Get pre-approved for your loan and enjoy a hassle-free car purchase experience.

No Pre-Payment Penalties

If you’re able to pay off your car loan early, we’re not going to penalize you for it. In fact, we’ll celebrate with you!

No Application Fees

Apply for an auto loan for free with Day Air today and let us help get you in the car of your dreams.

Auto Loan Rates

Model years: 2019 and newer.

*Rates may change based on loan to value.
Fixed APR*
(as low as)


Variable APR*
(as low as)

Model years: 2018 and older.

*Rates may change based on loan to value.
Fixed APR*
(as low as)


Variable APR*
(as low as)

Even More

Day Air Credit Union recommends Route 66 to offer you Extended Warranty Coverage on your vehicle. Enjoy $0 deductible on all plans, competitive rates, and a 30-day “Free Look” of the product. Also enjoy Nationwide Coverage, 24/7/365 Emergency Roadside Service, and a coverage that is transferable!

So before spending top dollar elsewhere, call us today and get a great deal on Extended Warranty Coverage from Route 66 through your credit union

Because we believe that every member deserves to know exactly what they are buying before signing on the bottom line, Day Air Credit Union suggests Mobile Used Car Inspections, a local,member-owned company that performs thorough,professional and comprehensive used vehicle inspections performed at the location most convenient to you. Save $10 now and $100’s or even $1000’s later…

As a member, you are entitled to an exclusive $10  coupon which can be used any time you have a vehicle inspected. Just mention Day Air when you make your appointment.

APR = Annual Percentage Rate
APY = Annual Percentage Yield
LTV = Loan-to-Value

All loans are subject to credit approval and other underwriting requirements. To find out what your rate will be, contact a loan officer. For plans with a variable rate feature, the annual percentage rate may vary. Prime is currently 5.50% APR as stated in the Wall Street Journal, subject to adjustment on the first day of each calendar quarter.

Members that meet all qualifications of the Loan Benefit Club will receive 0.25% loan benefit credit to an auto, recreational and closed-end signature loan each month qualifications are met (Misc. loans excluded) Day Air Loan Benefit Qualifications: debit card, minimum accumulation of $500 monthly ACH deposit, enrolled in e-statements- loan benefit paid as a credit to the loan each month that qualifications were met the prior month. Qualifications must be met on the same Day Air membership as the qualified loan; qualified loan must be closed on or after August 1, 2015.

A $20,000 new car loan for a term of 60 months at 3.79% APR, the monthly payment would be $366.51.

Rates subject to change. Please call for most current rates.

*Processing fee applies and will increase the Annual Percentage Rate.

Day Air Fee Schedule