The Democracy Federal Credit Union is a auto loan from Democracy Federal Credit Union. The ongoing APR is New auto (model year 2026 or newer, untitled): as low as 5.10% APR (66 months, up to $25,000), 5.80% (78 months, $15,000-$35,000), 7.05% (84 months, $35,000+); Used Same as New (2024-2025): 5.10% / 5.80% / 7.05%; Used (2013-2023): 5.50% / 6.40% / 7.40%; rates include autopay and Member Loyalty discounts (total discounts cannot exceed 1.50%). Typical credit limit: New: up to 125% of MSRP; used same as new: up to 125% of NADA Clean Retail; used 2019-2023: up to 100% of NADA Clean Retail; used 2013-2018: up to 80% of NADA Clean Retail (including tax, tags, warranties and GAP). Loan terms: Terms of 66, 78 or 84 months.