Dakota West Credit Union
Auto Loans | Dakota West Credit Union | Watford City North Dakota

Vehicle Loans

However You Roam, Let Dakota West Help You Get There.

Whether buying a second car for your family or thinking about a new snowmobile for the winter season, a vehicle loan from Dakota West will put you in the driver’s seat before you’ve even narrowed down your search.

Researching your loan options may not be as much fun as test driving a new side-by-side, but Dakota West can help simplify the dollars and cents so you can get out on the road and on your way.* With Guaranteed Asset Protection (GAP), you have the option to protect your new purchase in one easy step.

Dakota West Credit Union Vehicle Loans and Auto Loans help members across North Dakota finance cars, trucks, boats, and recreational vehicles with flexible and affordable lending options.

Refinance, Earn Cash Back
& Drive a Great Deal!

Get a great rate and earn a 1% cash back rebate when you refinance an existing vehicle loan or open a new vehicle loan* with Dakota West.

Offer applies to cars, trucks, recreational vehicles, campers, motorcycles, all-terrain vehicles and boats.

*1% Cash Back Rebate offer valid on consumer-purpose new money vehicle loans including auto, truck, recreational vehicles, campers, boats, motorcycles, all-terrain vehicles, personal watercraft, and snowmobiles, or refinances of any of the above vehicles from another financial institution.   If refinancing an existing Dakota West vehicle loan, a minimum of $5,000 new money is required to receive the cash back rebate. Rebate will be credited to member within 30 days of loan disbursement.  The loan must remain with Dakota West for a minimum of 180 days or the rebate amount will be added to the loan upon payoff.  No other offers or discounts apply, including rate discounts.  Minimum vehicle loan amount is $5,000.  The maximum cash back on consumer loans will not exceed $500 per financed loan.  Dakota West reserves the right to amend, suspend, or discontinue this offer at any time. APR = Annual Percentage Rate.  All rates advertised are based upon the borrower’s qualifications and the loan amount.

Auto & Truck Loans

It’s easy to find the car of your dreams, and financing it should be just as easy. Apply online before you visit the dealer and you’ll be ready to sign and drive, even if it’s love at first sight.

  • Know your interest rate before you visit a dealer to get your best deal
  • Find out the honest value of your trade-in
  • Start with our Search, Shop, Finance guide, or apply online if you already have your mind made up
  • Complete the loan paperwork from home using DocuSign®
  • GAP coverage can be financed with your vehicle purchase

Boats & Personal Watercraft

Summer isn’t the only time to think about getting out on the water. Dakota West loan officers can help you plan ahead so you are ready to hit the water just as it starts to melt.

  • Choose a single, two-person, or a matching pair of watercraft, and be sure to include the trailer
  • GAP coverage gives you the same benefits on the water, too
Apply Online

Campers & All-Terrain Vehicles

Whether you’re towing a pop-up or bringing along your off-road vehicle to trek through the badlands, finding the perfect little camper for your outdoor adventures starts with Dakota West before you lock in the new toy you’ve been wanting.

  • Finance small pop-ups and truck campers to fit your lifestyle and your budget
  • Chase cows or sleep out under the stars— finance for work or fun
  • GAP coverage may also be added to your new equipment
Apply Online

Mechanical Repair Coverage

Drive With Confidence Knowing DWCU has your back! A breakdown can be troubling enough without the added worry of expensive repairs. That’s why Dakota West Credit Union is pleased to bring your Mechanical Repair Coverage. Mechanical Repair Coverage can help limit unexpected repair costs as your vehicle ages, potentially saving you thousands in repairs. Read about MRC coverage benefits and more.

Mechanical Repair Coverage Benefits*

  • Substitute transportation
  • 24-hour emergency roadside assistance
  • Travel Expense Reimbursement
  • Paintless Dent Repair
  • Transferable if you sell your vehicle
  • Cancelable within the first 60 days
  • Key Replacement
  • And more!
Apply Online
*Conditions Apply

Motorcycles & Snowmobiles

Looking to cruise the open highways or zip through a snowy trail? Whatever your season, Dakota West can help you prepare any time of year for a new way to enjoy the scenery.

  • Choose a motorcycle or snowmobile that matches your travel plans, whether it’s an afternoon ride or a long-distance excursion
  • Riding alone or with a group, new and previously-owned, one ride or a pair, consider adding GAP coverage to your loan
Apply Online

Recreational Vehicles

Whether you want a place for the family to spend weekends at the lake or looking to see the country now that it’s just the two of you again, buying a travel home should be as easy to finance as it is to unwind.

  • Choose and finance all classes of motor homes
  • Buy a fifth wheel for camping season or to have ready to go for year-round excursions
  • Plan before you buy to know what size best fits your needs and travel plans, as well as your budget
  • Ask about including GAP coverage, too
Apply Online

Ask About Our GAP Coverage!

Protect your new purchase in one easy step.
*Interest rates, APR, and fees advertised are based upon the borrower’s qualifications and the loan amount, and will be determined while working with your Dakota West loan officer.

Vehicle and Auto Financing in North Dakota You Can Trust

Dakota West Credit Union Vehicle Loans provide reliable financing solutions for members looking to purchase new or used vehicles across North Dakota. Whether you are in Watford City, Bowman, Grenora, Mohall, New England, New Town, Turtle Lake, or Washburn, our lending options make it easier to get behind the wheel with confidence. From everyday commuting vehicles to heavy-duty trucks, we are here to support your transportation needs with flexible financing built around your budget.

As a trusted credit union serving North Dakota since 1941, we understand the importance of affordable and accessible vehicle financing. Our team works closely with members to provide personalized loan options that make vehicle ownership simple and achievable. We are committed to helping individuals and families stay mobile with dependable lending support.

Dakota West Credit Union Auto Loans and Vehicle Loans include financing for auto and truck loans, boats and personal watercraft, campers and all-terrain vehicles, motorcycles and snowmobiles, and recreational vehicles. Apply for a Vehicle or Auto Loan with Dakota West Credit Union today and explore flexible financing options for cars, trucks, RVs, and more. Visit your nearest North Dakota branch or apply online to get started.

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