Conquer the Trails with an ATV Loan
Whether you call them four-wheelers or quad bikes, our competitive rates and flexible terms make financing your next off-road adventure easy. From rugged trails to open fields, PDCU is here to help you explore the great outdoors. Discover our ATV rates and financing options today, and get ready to conquer any terrain.
Membership and eligibility requirements apply, with approval subject to application, credit, and vehicle considerations.
Loan Rate Discount¹
ATV Loan Rates as Low As
6.74%¹ APR*
¹Take advantage of a 0.25% discount when you enroll in autopay, already factored into the “as low as” rate. This discount applies to those who set up automatic payments from a People Driven Credit Union checking or savings account.
6.74%
Get Pre-Approved for an ATV Loan
Get pre-approved for your ATV loan with People Driven Credit Union and shop confidently. Instead of haggling over financing, focus on finding the perfect ATV.
With branches and ATMs easily accessible around Metro Detroit and Southeast Michigan, PDCU is your trusted partner for ATV financing.
ATV Loan Rates
Loan and financing rates for motor homes, campers, boats, motorcycles, ATVs and snowmobiles. Add 1.00% to applicable rate on loans with collateral that is 11 to 15 years old. PDCU may consider doing a loan with collateral that is older than 15 years (on an exception basis only), in which case 2.00% would be added to applicable rate.
|
Term (Months) |
≤60 |
61-84 |
85-120 |
121-180 |
|
APR* as low as¹ |
6.74% | 7.90% | 8.40% | 9.20% |
|
Rates Effective as of: |
||||
6.74%
Calculate Your Monthly ATV Loan Payment
Monthly Payment
Loan Amount
$
%
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.
Absolutely. We offer financing options for both new and pre-owned ATVs. Terms and rates may vary based on the vehicle's condition and age.
Yes, our pre-approval process lets you know your borrowing power before you start shopping for your perfect ATV.
Our ATV loans cover a variety of all-terrain vehicles designed to enhance your off-road adventures, including, ATVs, UTVs (Utility Task Vehicles), side-by-sides (sxs) four-wheelers, quad bikes, recreational off-highway vehicles (ROVs), and multipurpose off-highway utility vehicle (MOHUV).
Have something in mind and wondering if PDCU will finance it? Call us as 248-463-4100.
Our application process often provides pre-approval decisions quickly, and final approval typically takes just a few days once all documentation is submitted.
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.
A down payment may be needed, depending on your credit profile, the value of the vehicle or watercraft, and the specific loan structure. While not always required, a down payment can lower your monthly payments and the total amount of interest paid. Our representatives will guide you through the requirements. Call 248-263-4100 to speak with a PDCU loan officer.
Loan terms are flexible and can be tailored to fit your financial situation. At People Driven Credit Union, loan terms for recreational vehicles such as ATVs, motorcycles, boats, snowmobiles, and campers generally range from 12 to 180 months. Longer terms can lower monthly payments but may result in higher total interest paid.
Interest rates vary based on factors like your credit score, loan term, and the age of the vehicle or watercraft. People Driven Credit Union offers competitive rates to make financing accessible and affordable for our members. Call 248-263-4100 to speak with a PDCU loan officer about the loan rate you can expect.
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.
Disclosures
**Certain limitations may apply. Please consult with a representative for further information. Loans are exclusively available for ATVs. 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. Rates could be higher for older ATVs. APR may differ based on loan purpose, amount, term, and member’s credit score. A down payment may be required. Other terms and conditions are based on Loan to Value. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. 90-day no payment may be limited depending on term.
6.74%
Rates are higher if older than 10 years. ATVs older than 15 years are financed on an exception basis only.
*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.
