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April 15th through July 31st, 2021

Take a Free Ride

Sweepstakes

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1/2
RV, Boat, Motorcycle
Cut Your Rate in 1/2
2.99%
APR* as low as

Easy Application Process

No Application Fee

Length of Term Options

Motorhomes, Boats, Travel Trailers, ATV, JetSki & Motorcycles

Request Info
Home
Home Equity Loan
Fixed-rate, Fixed-term
3.99%
APR* as low as

LTV Up to 80%

$25,000+ & 15 Year terms

No Closing Costs

Fast & Easy Application Process

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GREAT
Personal Loan
No Payments for 60 days
5.49%
APR* as low as

A great alterative to a payday loan

Debt consolidation - Appliance purchases - Wedding expenses

Moving costs - Emergency expenses - Vacation costs

Fast and Easy closing 100% online

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Monthly Payment

Loan Amount
$
Rate
%
Term Months
Apply Now

Use of a calculator is not a guarantee of credit and is a estimate.

The reasons to replace your loan:

  • Lower your interest rates
  • Change the loan term
  • Consolidate debts
  • Change your loan type
  • Lower your monthly payments

What Refinancing Involves:

  • You apply for the new loan.
  • If your loan is approved, the new loan pays off the existing debt completely.
  • You make payments on the new loan until you pay it off or refinance it.

“Choose a credit union for a loan because those institutions often offer the lowest rates” (Consumer Reports)

The people at the Warren Branch are the Best!

David - Member since 1978

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Rates

Personal Unsecured Loan Special

Rates Effective as of: 05-11-2021
Max Term Term Rate (APR)
Up to 36 months As low as 5.49%
37 - 60 Months As low as 5.99%
61 - 72 Months As low as 6.49%

APR=Annual Percentage Rate

New & Used Cars, Trucks, and Vans

Rates Effective as of: 05-11-2021
Max Term Term Rate (APR)
Up to 36 Months As low as 2.24%
37 to 48 Months As low as 2.49%
49 to 60 Months As low as 2.49%
61 to 72 Months As low as 2.74%
73 to 84 Months As low as 3.24%

2011 or older vehicles add 2% APR
APR=Annual Percentage Rate
Members arranging electronic automatic payments will receive a 0.25% reduction on new loans.

RV’s Boats, Motorcycles

Rates Effective as of: 05-11-2021
Term Term Rate (APR)
Up to 60 Months As low as 3.24%
61-84 Months As low as 3.49%
85-120 Months As low as 3.74%
121-180 Months As low as 3.99%

APR=Annual Percentage Rate
Includes: Motor Homes, Campers, Boats, Motorcycles, ATVs & Snowmobiles
Members arranging electronic automatic payments will receive a 0.25% reduction on new loans.

Frequently Asked Questions

People Driven finances motor homes, campers, boats, motorcycles, ATVs and snowmobiles!
You may also give us a call at 248-263-4100 to speak with the loan department!

Yes!  All eligible loans can be skipped once per calendar year for a fee of $25.

Fresh Start Auto Loans, Lines of Credit, Mortgages Commercial Loans, and Credit Cards are excluded.

Skip A Payment Form
  1. To make a payment via online banking with funds already in your account, please log in and select ‘transfers’. From there please select where you want to transfer from and which loan you would transfer to.
  2. Log into iTalk (telephone teller) and make your payment. Option 3 for payments.
  3. To make a payment with a debit/credit card please (248) 263-4100.
  4. Set up an auto-transfer from your People Driven account or attach an auto payment to your direct deposit that comes into your account. Give us a call at (248) 263-4100 or stop by any of our 5 branches.
  5. Have us set up an auto-payment from your other financial institution. Please give us a call at (248) 263-4100 and we can send you proper form or you may stop by any of our 5 branches.
  6. You may also mail in a check payable to;  People Driven Credit Union 24333 Lahser Rd, Southfield, MI 48033
GAP (Guaranteed Asset Protection) covers the difference between the cash value of your vehicle and the balance owing in the event the car is deemed a total loss, up to 125% LTV. GAP is a $475 one time fee that can be rolled into the loan or paid in cash. GAP also provides a $1000 credit towards the next vehicle you finance through PDCU and unlimited auto deductible claims for up to five years up to $500 per claim for any vehicle you own and insure.
GAP insurance is offered during the auto loan process.  Please call us at (248) 263-4100 for more information.

Need help?

Holiday Loan Special

Starting at 4.99%*APR up to $2500

Start Here!
*Disclosures

Cut your Rate in 1/2 special details:

Cut your rate in half promotion includes RV, Motorcycle, Boat, Jet Ski, ATV, and Golf Carts.  

  • Refinance a loan from another institution and we will cut your rate in 1/2
  • Down to our lowest rate of 3.99% depending on credit rating
  • Minimum loan amount $15,000
  • No payments for 90 days

Unsecured loan details:

  • As low as rate of 5.49%
  • Max Term for “As low as” rate = 36 months
  • Minimum loan amount of $5,000
  • No payment for 60 days
  • Ends August 31st

*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal.

New Auto Loans: Loan rate applicable to new vehicles only. New vehicles are where you are the original owner and the untitled vehicle is a current (2020 or 2019) or prior model year (2018). Up to 125% of financing is available. Vehicle weight restrictions apply. The minimum loan amount is 15,000 for 61-72 month term. The rate also depends on the term.

Used Auto Loans: Maximum used car loan advance will be determined by People Driven Credit Union using a NADA value. Financing is available up to NADA average retail value plus tags, title, taxes, and extended warranties not to exceed 125%. Some restrictions apply. Call 248-263-4100 for details.

Financing for 61-72 month term is valid for model years 2021 – 2014. The rate depends on the term. Other restrictions including vehicle and mileage limitations may apply.

Refinance Auto Loans: New vehicles are where you are the original owner and the vehicle is a current (2020) and prior model year (2019). For used vehicles, the maximum used car loan advance will be determined by People Driven Credit Union using a NADA value. Up to 125% of financing is available to qualified members. People Driven Credit Union does not permit internal refinances of an existing People Driven Credit Union auto loan.

Other restrictions including vehicle and mileage limitations may apply.

Find out more, on our privacy and disclosures page