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Loan Specials

The holidays are just around the corner and we are here to help! It’s easy to apply & fund online. Get the money you need fast.

Your actual rate depends upon credit score, loan amount, loan term, and credit history. The APR ranges from 4.99%. to 6.99%. The loan amount ranges from $1,500 up to $2,500 depending on credit rating. Your APR will be determined based on your credit at the time of application. There is no down payment and there is never a prepayment penalty. The maximum term is 12 months. Closing of your loan is contingent upon your acceptance of all the required agreements and disclosures at Please review all our policy and disclosures page for more information APR = Annual Percentage Rate. Personal Loans made by People Driven Credit Union.

We are happy to provide a discount on products ordered using a special Dell® discount created for just for People Driven Credit Union members.  In order to qualify click this link and create an account.

If you have any questions please contact Dell® sales support experts.

RV & Boat
No Payments for 45 Days
APR* as low as

Easy Application Process

No Application Fee

Length of Term Options

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

4 You
Personal Loan
Fee Free
APR* as low as

Loan Amounts up to $30,000

Terms up to 84 Months

Fast & Easy Application Process

Rates Starting at 5.49% APR*

Auto Loan
No Payments for 45 days
APR* as low as

New Or Used Cars & Trucks

Flexible Repayment Terms

Direct deposit & automatic payment suggested for the lowest rate

Affordable Low Cost Mechanical Breakdown Coverage Available

Monthly Payment

Loan Amount
Term Months

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


Personal Unsecured Loan Special

Rates Effective as of: 11-23-2020
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: 11-23-2020
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

RV’s Boats, Motorcycles

Rates Effective as of: 11-23-2020
Term Term Rate (APR)
Up to 60 Months As low as 3.99%
61-84 Months As low as 4.49%
85-120 Months As low as 4.49%
121-180 Months As low as 5.49%

APR=Annual Percentage Rate
Includes: Motor Homes, Campers, Boats, Motorcycles, ATVs & Snowmobiles

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.

Ready to get the summer you've been dreaming about?

Skip your payments for the summer

Starts Here!

The Best Loan can be found at People Driven Credit Union. 

Rates and offers current as of June 16, 2020, and are subject to change.

Unsecured loan promotion 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% 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 2020 – 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% 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