<PAGE>

                                                                   EXHIBIT 10.21


                       FIRST AMENDMENT TO CREDIT AGREEMENT


                  FIRST AMENDMENT, dated as of February 25, 2005 (this
"Amendment"), to the Amended and Restated Credit Agreement, dated as of March
19, 1999, as amended and restated as of October 31, 2003 (such Amended and
Restated Credit Agreement, as amended, supplemented or otherwise modified from
time to time, the "Credit Agreement"), among DURA AUTOMOTIVE SYSTEMS, INC., as
parent guarantor ("DASI"), DURA OPERATING CORP., TRIDENT AUTOMOTIVE LIMITED,
DURA HOLDING GERMANY GMBH, DURA AUTOMOTIVE SYSTEMES EUROPE, S.A. and DURA
AUTOMOTIVE SYSTEMS (CANADA), LTD., as borrowers (collectively, the "Borrowers"),
the several banks and other financial institutions or entities from time to time
parties to the Credit Agreement (the "Lenders"), JPMORGAN CHASE BANK, N.A.
(formerly known as JPMorgan Chase Bank), as administrative agent (in such
capacity, the "Administrative Agent"), and BANK OF AMERICA, N.A., as syndication
agent and collateral agent.


                              W I T N E S S E T H:

                  WHEREAS, DASI and the Borrowers have requested that the
Lenders amend, and the Lenders have agreed to amend, certain of the provisions
of the Credit Agreement, upon the terms and subject to the conditions set forth
below;

                  NOW, THEREFORE, in consideration of the premises and mutual
agreements contained herein, and for other valuable consideration the receipt of
which is hereby acknowledged, DASI, the Borrowers, the Lenders and the
Administrative Agent hereby agree as follows:

                  1. Definitions. All terms defined in the Credit Agreement
                  shall have such defined meanings when used herein unless
                  otherwise defined herein.

                  2. Amendment to Section 1.1. Section 1.1 of the Credit
                  Agreement is hereby amended by inserting, in proper
                  alphabetical order, the following new defined term and related
                  definition:

                  "Senior Unsecured Indebtedness": any unsecured Indebtedness of
                  DASI or any of its Subsidiaries that (a) will not mature prior
                  to the final maturity date of the Tranche C Term Loans; (b)
                  has no scheduled amortization or payments of principal prior
                  to the final maturity date of the Tranche C Term Loans; (c)
                  has covenant, default and remedy provisions no more onerous or
                  expansive in scope than those set forth in this Agreement; (d)
                  if such Indebtedness is guaranteed, shall not have any
                  guarantor that is not a Guarantor under this Agreement; and
                  (e) is otherwise on terms and conditions reasonably
                  satisfactory to the Administrative Agent.

                  3. Amendments to Section 2.11. Section 2.11(a) of the Credit
                  Agreement is hereby amended in its entirety as follows:

                  "2.11 Mandatory Prepayments and Revolving Commitment
                  Reductions. (a) If (i)(A) any Indebtedness is issued or
                  incurred by DASI or any of its Subsidiaries pursuant to
                  Section 7.2(f) or (g), the proceeds of which are not
                  concurrently applied to the other purposes specified in
                  Section 7.2(f) or (g) and (B) as of the end of the fiscal
                  quarter immediately preceding the issuance or incurrence of
                  such Indebtedness the Senior Leverage Ratio is greater than or
                  equal to 2.00 to 1.00, or (ii) any Indebtedness is issued or
                  incurred by DASI or any of its Subsidiaries pursuant to
                  Section 7.2(o), then an amount equal to


<PAGE>


                  100% of the Net Cash Proceeds thereof shall be applied on the
                  date of such issuance or incurrence toward the prepayment of
                  the Tranche C Term Loans and the reduction of the U.S.$
                  Revolving Commitments as set forth in Section 2.11(d)."

                  4. Amendments to Section 7.1.

                  (a) Section 7.1(a) of the Credit Agreement is hereby amended
                  by deleting the table appearing at the end of subsection
                  7.1(a) of the Credit Agreement and substituting in lieu
                  thereof the following:

<TABLE>
<CAPTION>


                                    Fiscal Quarter                     Ratio
                                    --------------                     -----
                            <S>                                     <C>
                            March 31, 2005                          6.00 to 1.00
                            June 30, 2005                           5.75 to 1.00
                            September 30, 2005                      5.50 to 1.00
                            December 31, 2005                       5.25 to 1.00
                            March 31, 2006                          5.25 to 1.00
                            June 30, 2006                           4.75 to 1.00
                            September 30, 2006                      4.50 to 1.00
                            December 31, 2006                       4.50 to 1.00
                            March 31, 2007                          4.50 to 1.00
                            June 30, 2007                           4.50 to 1.00
                            September 30, 2007                      4.00 to 1.00
                            December 31, 2007                       4.00 to 1.00
                            March 31, 2008                          4.00 to 1.00
                            June 30, 2008                           4.00 to 1.00
                            September 30, 2008                      3.75 to 1.00
</TABLE>

                  (b) Section 7.1(b) of the Credit Agreement is hereby amended
                  by deleting the table appearing at the end of subsection
                  7.1(b) of the Credit Agreement and substituting in lieu
                  thereof the following:

<TABLE>
<CAPTION>


                                    Fiscal Quarter                     Ratio
                                    --------------                     -----
                            <S>                                     <C>
                            March 31, 2005                          2.75 to 1.00
                            June 30, 2005                           2.75 to 1.00
                            September 30, 2005                      2.50 to 1.00
                            December 31, 2005                       2.50 to 1.00
                            March 31, 2006                          2.50 to 1.00
                            June 30, 2006 and thereafter            2.25 to 1.00

</TABLE>

                  (c) Section 7.1(c) of the Credit Agreement is hereby amended
                  by deleting the table appearing at the end of subsection
                  7.1(c) of the Credit Agreement and substituting in lieu
                  thereof the following:

<PAGE>


<TABLE>
<CAPTION>


                                    Fiscal Quarter                     Ratio
                                    --------------                     -----
                            <S>                                     <C>
                            March 31, 2005                          1.80 to 1.00
                            June 30, 2005                           1.90 to 1.00
                            September 30, 2005                      1.90 to 1.00
                            December 31, 2005                       1.90 to 1.00
                            March 31, 2006                          1.90 to 1.00
                            June 30, 2006                           2.00 to 1.00
                            September 30, 2006                      2.00 to 1.00
                            December 31, 2006                       2.00 to 1.00
                            March 31, 2007                          2.00 to 1.00
                            June 30, 2007                           2.00 to 1.00
                            September 30, 2007                      2.25 to 1.00
                            December 31, 2007                       2.25 to 1.00
                            March 31, 2008                          2.25 to 1.00
                            June 30, 2008                           2.25 to 1.00
                            September 30, 2008                      2.50 to 1.00
</TABLE>


                  5. Amendments to Section 7.2.


                  (a) Section 7.2 of the Credit Agreement is hereby amended by
                  deleting the "and" at the end of clause (m) thereof and
                  inserting immediately prior to the "." at the end of clause
                  (n) thereof, the following:

                  "and;

                  (o) Senior Unsecured Indebtedness or Subordinated Indebtedness
                  in an aggregate principal amount not to exceed $125,000,000 at
                  any one time outstanding, provided that the Net Cash Proceeds
                  thereof are applied to prepay the Tranche C Term Loans in
                  accordance with Section 2.11"

                  6. Amendments to Section 7.4. Clause (g) of Section 7.4 of the
                  Credit Agreement is hereby amended in its entirety as follows:

                  "(g) customary indemnification obligations incurred in
                  connection with Acquisitions, asset Dispositions or the
                  issuance of Senior Unsecured Indebtedness or Subordinated
                  Indebtedness permitted hereunder."


                  7. Amendments to Section 7.12. Section 7.12 of the Credit
                  Agreement is hereby amended in its entirety as follows:

                  "7.12 Restrictions on Subsidiaries. Permit any Subsidiary to
                  enter into any agreement or instrument (except (a) the
                  agreements relating to (i) Indebtedness incurred pursuant to
                  Section 7.2(o) or (ii) the Senior Unsecured Notes similar to
                  those in effect on the Closing Date and (b) customary
                  restrictions imposed on the Finance Subsidiary in connection
                  with the Permitted Receivables Transactions) which by its
                  terms restricts the ability of such Subsidiary (i) to declare
                  or pay dividends or make similar distributions, (ii) to repay
                  principal of, or pay any interest on, any indebtedness owed to
                  Dura or any other Subsidiary, (iii) to make payments of
                  royalties, licensing fees and similar amounts to


<PAGE>


                  Dura or any other Subsidiary or (iv) to make loans or
                  advances to Dura or any other Subsidiary."

                  8. Representations; No Default. On and as of the date hereof,
                  and after giving effect to this Amendment, (i) DASI and each
                  Borrower certifies that no Default or Event of Default has
                  occurred or is continuing, and (ii) DASI and each Borrower
                  confirms, reaffirms and restates that the representations and
                  warranties set forth in Section 4 of the Credit Agreement are
                  true and correct in all material respects, provided that the
                  references to the Credit Agreement therein shall be deemed to
                  be references to the Credit Agreement as amended by this
                  Amendment.

                  9. Amendment Fee. In consideration of the agreement of the
                  Required Lenders to the amendments contained herein, DASI and
                  the Borrowers agree to pay to each Lender (hereinafter, an
                  "Executing Lender") which executes and delivers this Amendment
                  to the Administrative Agent or its counsel by 12:00 noon, New
                  York City time, on Friday, February 25, 2005, an amendment fee
                  in an amount equal to 0.125% of such Executing Lender's
                  Aggregate Exposure on the Effective Date (as defined below),
                  after giving effect to the repayment required by paragraph
                  10(d) below. The amendment fee shall be payable by DASI and
                  the Borrowers on the Effective Date in immediately available
                  funds to the Administrative Agent on behalf of the applicable
                  Executing Lender.

                  10. Conditions to Effectiveness. This Amendment shall become
                  effective on and as of the date (the "Effective Date") that:

                  (a) the Administrative Agent shall have received counterparts
                  of this Amendment, duly executed and delivered by a duly
                  authorized officer of DASI and each Borrower;

                  (b) the Administrative Agent shall have received executed
                  Lender Consent Letters, substantially in the form of Exhibit A
                  hereto ("Lender Consent Letters"), from Lenders whose consent
                  is required pursuant to Section 10.1 of the Credit Agreement;

                  (c) The Administrative Agent shall have received all fees
                  required to be paid on or before the Effective Date, and all
                  expenses required to be paid on or before the Effective Date
                  for which invoices have been timely presented. The reasonable
                  fees and expenses of legal counsel shall be paid not later
                  than 10 days after receipt of an invoice from such counsel,
                  whether before or after the Effective Date; and

                  (d) Dura shall have repaid $35,000,000 of principal of the
                  Tranche C Term Loans outstanding plus any accrued interest
                  thereon, to be paid and applied as set forth in Sections 2.10
                  and 2.17, respectively.

                  11. Limited Consent and Amendment. Except as expressly amended
                  herein, the Credit Agreement shall continue to be, and shall
                  remain, in full force and effect. This Amendment shall not be
                  deemed to be a waiver of, or consent to, or a modification or
                  amendment of, any other term or condition of the Credit
                  Agreement or to prejudice any other right or rights which the
                  Lenders may now have or may have in the future under or in
                  connection with the Credit Agreement or any of the instruments
                  or agreements referred to therein, as the same may be amended
                  from time to time.


<PAGE>



                  12. Counterparts. This Amendment may be executed by one or
                  more of the parties hereto in any number of separate
                  counterparts and all of said counterparts taken together shall
                  be deemed to constitute one and the same instrument.

                  13. Loan Document. This Amendment is deemed to be a "Loan
                  Document" for purposes of the Credit Agreement.

                  14. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND
                  CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE
                  STATE OF NEW YORK.


<PAGE>





                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be executed and delivered by their respective duly authorized
officers as of the date first above written.

                           DURA AUTOMOTIVE SYSTEMS, INC.


                           By:  /s/ DAVID R. BOVEE
                              --------------------------------------------------
                              Name:  David R. Bovee
                              Title: Vice President and Chief Financial Officer

                           DURA OPERATING CORP.


                           By:  /s/ DAVID R. BOVEE
                              --------------------------------------------------
                              Name:  David R. Bovee
                              Title: Vice President and Chief Financial Officer

                           TRIDENT AUTOMOTIVE LIMITED


                           By:  /s/  DAVID R. BOVEE
                              --------------------------------------------------
                              Name:   David R. Bovee
                              Title:  Vice President and Chief Financial Officer

                           DURA HOLDING GERMANY GMBH


                           By:  /s/  JURGEN VON HEYDEN
                              --------------------------------------------------
                              Name:  Jurgen von Heyden
                              Title: Division President Body & Glass

                           DURA AUTOMOTIVE SYSTEMES EUROPE S.A.


                           By:  /s/  FRANCOIS BOULANGER
                              --------------------------------------------------
                              Name:  Francois Boulanger
                              Title: President

                           DURA AUTOMOTIVE SYSTEMS (CANADA), LTD.


                           By:  /s/  DAVID R. BOVEE
                              --------------------------------------------------
                              Name:   David R. Bovee
                              Title:  Vice President and Chief Financial Officer



<PAGE>




                                JPMORGAN CHASE BANK, as a Lender and as
                                Administrative Agent


                                By:  /s/ KAREN M. SHARF
                                   ---------------------------------------------
                                   Name:  Karen M. Sharf
                                   Title: Vice President


                                BANK OF AMERICA, N.A., as a Lender and as
                                Syndication Agent and as Collateral Agent


                                By:  /s/  LYNN W. STETSON
                                   ---------------------------------------------
                                   Name:  Lynn W. Stetson
                                   Title: SVP, Industrial Portfolio Manager