Skip nav to main content.
People Driven Credit Union

Competitive Rates for Every Stage of Life

Loan Options

Auto loans, home loans, personal loans, and credit cards. Apply in minutes.

As a member-owned credit union, PDCU exists to serve you, not shareholders. That means when you need a loan, you get competitive rates, straightforward terms, and a team that actually wants to help you succeed. Whether you are financing a vehicle, buying or refinancing a home, covering personal expenses, or putting a rewards credit card to work, we have an option built for your situation. Membership has real advantages here. Our rates are set with members in mind, not margins, and our team is here to help you move quickly when the timing is right.

PDCU loan options

Loan management links


Smiling young woman in a used-car sales lot holding up the key to her new car she purchased with an auto loan from People Driven Credit Union.

Own the Road for 4.74%¹ APR*

Same low rate whether you’re buying new, used, or refinancing.

Drive off with payments as low as $18.75 per $1,000 borrowed†

Apply in Minutes

*APR = Annual Percentage Rate. Rate available for qualified borrowers financing new or used cars, trucks, and SUVs, or refinancing an auto loan from another lender. Loan terms up to 72 months. All loans subject to credit approval and membership eligibility.
†Example payment: $18.75 per $1,000 borrowed at 4.74% APR for 60 months.
Loans must close within 30 days of application. People Driven Credit Union is an equal opportunity lender.


Learn more about loans

Graphic: Secured vs. Unsecured Personal Loans: Which Is Right for Your Situation?

Secured vs. Unsecured Personal Loans: Which Is Right for Your Situation?

When you’re weighing your personal loan options, understanding the difference between secured vs. unsecured personal......Read More

Mortgage options comparison blog post Mortgage Refinance vs. Home Equity Loan

HELOC or Home Equity Loan? Comparing Your Borrowing Options

If you are a homeowner weighing your options to access cash or lower your monthly......Read More

People Driven Credit Union New vs. Used Car Loans 2026

New vs. Used Car Financing for 2026

If you’re in the market for a vehicle, one of the first decisions you’ll face......Read More

Graphic: How to Choose the Best Loan for Your Next Home Project.

How to Choose the Best Loan for Your Next Home Project

If you are trying to figure out the best loan for home improvements, you are......Read More

View more about Home Equity