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2026 Auto Loan Special
Unlock a Rate as Low As 5.24%¹ APR* for up to 72 months
Whether you’re eyeing a brand-new set of wheels or considering the purchase of a used or pre-owned vehicle, People Driven Credit Union has a rate as low as 5.24%¹ APR* for up to 72 months.
We offer competitive auto loans tailored to your needs, including financing options for new cars, trucks, and SUVs and loans for used vehicles, classic cars, lease buyouts, refinances, dealership purchases, and private party purchases. With our quick decisions and financing options, you can hit the road quickly. (subject to credit approval and collateral value)
- Rates as Low As 5.24%¹ APR* for up to 72 months.
- Both new (5 years old or newer) or used (older than 5 years) cars are eligible.
- No payments for 90 days for current PDCU members approved for an auto loan.
5.24%
Why Choose a PDCU Auto Loan?
- Rates: Unlock a rate as low as 5.24%¹ APR* for up to 72 months, whether you purchase a new or used car, truck, or SUV.
- No Payments for 90 Days: No payments for 90 days for current PDCU members approved for an auto loan.
- Flexible Financing Options: We offer financing for a wide range of vehicles, including lease buyouts, refinancing, dealership purchases, and private party purchases for up to 96 months.
- Quick Decisions: Experience quick approval decisions that get you behind the wheel faster. (Subject to credit approval)
- 100% Financing: Enjoy the convenience of financing up to 100% of your vehicle’s cost. (Depending on collateral value)
See What Fits: Compare Auto Loan Rates & Terms
-
Auto loan rates for cars, trucks, SUVs, & vans five years old or newer:
Term
(Months)
≤36
37-48
49-60
61-72
APR*
as low as¹
5.24% 5.24% 5.24% 5.24% Rates Effective as of:
5.24% -
Auto loan rates for used cars, trucks, SUVs, & vans older than five years. Add 3.00% to the applicable rate on loans with collateral that is 10 years old or older.
Term
(Months)
≤36
37-48
49-60
61-72
APR*
as low as¹
5.24% 5.24% 5.24% 5.24% Rates Effective as of:
5.24%
Calculate Your Monthly Auto Loan Payment
Monthly Payment
Loan Amount
$
%
People Driven Credit Union Members Save on TruStage™ Insurance Programs
Designed for credit union members like you, TruStage™ Insurance Programs provide affordable, top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.
Get your free quote online today or call 1-855-589-2146.*See disclosures below.
According to Consumer Reports®
“Choose a credit union for a car loan because those institutions often offer the lowest rates.” At People Driven Credit Union here in Michigan, we will custom-tailor the best-used car loan offer for you.
- Available on new or pre-owned cars
- Repayment options tailored for you
- Pre-approvals are valid for 30 days
- Save on a refinance even if you have just closed on a loan.
People Driven Credit Union is a full-service credit union with branches and ATMs that are easily accessible around Metro Detroit, Southeast Michigan, and areas including Livonia, Romeo, Southfield, Warren. People Driven Credit Union is a great option for auto loan financing in Michigan.
Can you get a Auto Loan with bad credit?
Absolutely. At People Driven Credit Union, we look beyond your credit score to find a solution that fits your unique needs, considering both your income and credit history.
If approved, you’ll receive funds deposited directly into your checking or savings account. Keep in mind that interest rates are determined by your credit rating.
Frequently Asked Questions
AutoPay is a convenient service that automatically withdraws your loan payment each month from your People Driven Credit Union checking or savings account. It helps you stay on track, avoid late fees, and may even qualify you for our ¹Special Loan Rate Discount.
To enroll in AutoPay, please call us at 248-263-4100 and a representative will assist you with setup.
Our ¹Special Loan Rate Discount offers a 0.25% APR reduction when you set up automatic payments (AutoPay) for your loan from a People Driven Credit Union checking or savings account. This discount is already included in the “as low as” rate advertised.
To enroll in AutoPay and receive the discount, please call us at 248-263-4100. A representative will assist you in setting up monthly automatic withdrawals from your PDCU account.
Note: The discount is available only for eligible loans with AutoPay set up from a PDCU account. Terms and conditions may apply.
Yes, enrolling in autopay may qualify you for a rate discount, reducing the overall cost of your loan. Check with our team for current promotional details.
Your credit score plays a big role in determining your loan's interest rate and terms. Borrowers with higher credit scores typically qualify for lower interest rates, while those with lower credit scores may face higher rates.
- New auto loans apply to brand-new cars, trucks, vans, and vehicles five years old or newer. They often have lower interest rates because new cars typically have better collateral value.
- Used auto loans apply to pre-owned vehicles older than five years; interest rates may be slightly higher since used cars have less value over time.
An auto loan is a type of financing that allows you to borrow money to purchase a vehicle. The loan is secured by the vehicle itself, meaning the lender can repossess the vehicle if you fail to repay the loan.
Missing a payment can result in late fees and negatively affect your credit score. Repeated missed payments may lead to vehicle repossession. It’s important to contact People Driven Credit Union as soon as possible if you anticipate any issues making payments on your loan from PDCU.
A down payment isn’t always required, but it’s generally a smart move. Putting money down reduces the amount you’ll need to borrow, which can lower your monthly payments and reduce the total interest paid over the life of the loan. At People Driven Credit Union, we offer 100% financing for new cars (5 years old or newer). For used cars (older than 5 years), we’ll finance up to 80% of the vehicle's value (LTV).
- Auto loans: These are for purchasing a new or used vehicle.
- Auto refinancing: You can replace your current auto loan with a new one, typically to get a lower interest rate or change the loan term.
Term lengths for auto loans from People Driven Credit Union range from 12 months (1 year) to 96 months (9 years). The longer the term, the lower your monthly payments, but you may pay more in interest over the life of the loan.
To apply for an auto loan with People Driven Credit Union, you will need:
- A valid ID
- Proof of income (like pay stubs or tax returns)
- Employment information
- Vehicle details (if you’ve already chosen one - the VIN #)
- Proof of insurance
Yes, People Driven Credit Union offers pre-approval for auto loans. Pre-approval helps you understand how much you can afford and can give you leverage when negotiating with dealers.
People Driven Credit Union members can pay off an auto loan anytime with no penalty.
The amount you can borrow depends on several factors, including your credit score, income, debt-to-income ratio, and the age and value of the vehicle. People Driven Credit Union will typically fund a percentage of the vehicle’s value.
People Driven finances motor homes, campers, boats, motorcycles, ATVs, and snowmobiles!
Many members ask what recreational vehicles PDCU finances when planning their next adventure on the road, on the water, or on the trail.
Recreational Vehicles We Finance
- Motorhomes (Class A, B & C)
- Fifth-wheel trailers, travel trailers, and pop-up campers
- Boats, wave runners, and jet skis
- Motorcycles
- ATVs
- Snowmobiles
Why Choose PDCU for Your Recreational Vehicle Loan
Loans go up to $125,000. You get quick decisions, an easy online application, and the 0.25% rate discount when you set up AutoPay from a PDCU checking or savings account. Membership is required and open to anyone who lives, works, worships, attends school in Michigan, or is related to a current member.Apply for Your Recreational Vehicle Loan
Start your application online today at our Recreational Vehicle Loans page. You can also apply directly for specific types: RV / Motorhome / Camper Loans, Boat Loans, or Motorcycle Loans.Common Questions
What recreational vehicles does PDCU finance? People Driven finances motor homes, campers, boats, motorcycles, ATVs and snowmobiles!Get Help from Our Team
Call us at 844-700-7328 during business hours. Our team answers questions and helps you apply for your recreational vehicle loan. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.5 Helpful Hints for Financing a Recreational Vehicle
- Check your credit score before you apply to qualify for the best rates.
- Gather your Driver’s License, Social Security number, and income details.
- Apply online at our Recreational Vehicle Loans page for the fastest start.
- Ask about the 90-day no-payment option if you are a current member.
- Contact us at 248-263-4100 for a pre-approval before you shop.
How do I check my loan application status at People Driven Credit Union?
You can check your loan application status by contacting People Driven Credit Union or your assigned loan specialist. Many members ask how do I check my loan application status because they want fast updates on their progress.How to check the status
- Call PDCU member or loan support at 248-263-4100.
- Have your identifying information ready for verification.
- Ask whether any additional documents are needed to proceed.
Call for Your Status Update
Pick up the phone and dial 248-263-4100 during business hours. Our loan specialists answer right away. Give them your name, application number, or Social Security number. They pull up your file instantly.Prepare for the Call
Have your driver’s license or member number ready. Note any recent emails or letters from us. This speeds up the process so you get answers faster.Common Questions
How long does a review usually take? Timing varies by loan type and application volume, so contact PDCU for your current status timeline.Get Help from Our Team
Call us at 248-263-4100 during business hours. Our team checks your status right away. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.5 Helpful Hints for Checking Your Loan Application Status
- Call early in the day for shorter wait times.
- Write down your application number before you call.
- Ask for an email summary of your current status.
- Check your spam folder for any updates from PDCU.
- Contact us at 248-263-4100 if you need to submit more documents.
How do I skip a payment at People Driven Credit Union?
People Driven Credit Union may offer skip-a-payment opportunities during eligible periods and for qualifying loans. Many members ask how skipping a payment helps when they need temporary relief.How skip-a-payment works
- Eligibility can depend on loan type and payment history.
- Program windows and terms may vary during the year.
- A fee or additional interest impact may apply.
Skip-a-Payment Requirements
You must be in good standing with all loans current. The $35 fee must be available in your checking or savings account. Most consumer loans qualify. Exclusions include Fresh Start Auto loans, lines of credit, mortgages, commercial loans, credit cards, and several other special loan types.To get started, you can either complete the process through the MyPDCU app, via PDCU’s Online Banking portal or by filling out a Authorization Form and submitting it to any of our branches or mailing it to:
Skip-A-Payment People Driven Credit Union 24333 Lahser Road Southfield, MI 48033Common Questions
How do I know if I qualify? Contact PDCU to confirm current program details, eligibility, and timing.Get Help from Our Team
Call us at 248-263-4100 during business hours. Our team checks your eligibility right away. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.5 Helpful Hints for Skipping a Payment
- Call at least one business day before your payment is due.
- Have your loan number and member number ready.
- Ensure $35 is available in your account for the fee.
- Remember interest still accrues during the skipped month.
- Contact us at 248-263-4100 to confirm your loan qualifies.
How do I make a loan payment at People Driven Credit Union?
You can make a loan payment through People Driven Credit Union using online tools, automatic options, or approved payment channels. Many members ask how to make a loan payment because the options are fast and convenient.Ways to make a loan payment
- Pay through online or mobile banking.
- Set up recurring automatic payments.
- Use approved in-branch or phone-supported options when needed.
Pay Online or in the Mobile App
Log into online banking at my.peopledrivencu.org or open the MyPDCU app. Go to Transfers. Select your checking or savings account as the source. Choose your loan as the destination. Enter the amount and submit.Set Up Automatic Loan Payments
Enroll in AutoPay from your People Driven checking or savings account. This ensures your payment is made on time every month. AutoPay may also qualify you for a 0.25% rate discount on eligible loans. Call to set it up or do it yourself in online banking.Common Questions
Can I set automatic loan payments? Yes. Many members choose auto-pay for consistency and fewer missed payment risks.Other Payment Options
Call Member Services at 844-700-7328 during business hours. They process payments over the phone. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo to pay in person.5 Helpful Hints for Making Your Loan Payment
- Make payments at least one business day before the due date.
- Enroll in AutoPay to never miss a payment and possibly save on interest.
- Use the mobile app for payments anytime and anywhere.
- Keep your loan number handy when calling or visiting a branch.
- Contact us at 248-263-4100 if you need payment arrangements.
Quick answer: GAP Insurance protects you after a total loss. It pays the difference between your insurance payout and your remaining loan balance. GAP (Guaranteed Asset Protection) insurance covers the difference between the cash value of your vehicle and the balance owing if the car is deemed a total.
Insurance at PDCU
- You pay a one-time fee of $575.
- You can roll this fee into your loan or pay cash.
- GAP covers up to 150% of your loan-to-value ratio.
What the Insurance covers
• The gap between your loan balance and the vehicle’s cash value
• Total loss from accidents
• Unrecovered theft
• Up to $500 deductible per claim for up to five years
You receive a $1,000 credit toward the next vehicle you finance at PDCU.
Common questions
What is GAP Insurance? You buy GAP Insurance to avoid paying extra after your car is totaled. How much does GAP Insurance cost at PDCU?- You pay a one-time fee of $575.
- You can roll this fee into your loan or pay cash.
- GAP covers up to 150% of your loan-to-value ratio.
Quick answer: You can request GAP Insurance when you apply for or close an eligible vehicle loan with People Driven Credit Union.
How do I get GAP Insurance?
- Apply for an eligible vehicle loan with PDCU.
- Ask your loan specialist to add protection at closing.
- Review cost, limits, and eligibility before finalizing.
Common questions
Can I add this after closing?
In many cases, options depend on loan status and timing. Contact PDCU to confirm available coverage choices.What does GAP Insurance help with?
It may help reduce out-of-pocket balance risk when a financed vehicle is declared a total loss, based on policy terms.What this coverage may include
- Potential difference between your loan balance and vehicle value after a covered total loss
- Added protection that may reduce out-of-pocket payoff risk
- Coverage details that depend on eligibility, terms, and exclusions
Disclosures
**Certain limitations may apply. Please consult with a representative for further information. Loans are exclusively available for new and used cars, trucks, and SUVs. Membership with the Credit Union is mandatory for loan disbursement. For 30, 60, or 90-day no-payment loans, interest will commence accruing upon loan disbursement and will be spread out over the subsequent monthly payments.
5.24%
*APR = Annual Percentage Rate: The actual APR and loan term is subject to approval and may be determined upon the borrower’s creditworthiness, the amount borrowed, and the type, value, age, and condition of the collateral offered to secure the loan (when applicable). Rates are effective as of today and are subject to change.
¹Special Loan Rate Discount: Benefit from a .25% reduction when enrolling in our autopay service, which is included in the “as low as” rate advertised. The discount is available to those who setup autopay of their monthly loan payment from a People Driven Credit Union checking or savings account.
People Driven Credit Union is an Equal Housing Opportunity Lender NMLS #776727.
All other trademarks are the property of their respective owners.
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