Skip nav to main content.
People Driven Credit Union

Snowmobile Loans

Embrace Winter with a Snowmobile Loan from PDCU

Apply for a Snowmobile Loan

Conquer the Winter Wonderland With a Snowmobile Loan

Competitive rates and flexible terms make it easy to finance your dream snowmobile, whether you’re navigating groomed trails or exploring off-the-beaten paths. At People Driven Credit Union, we understand the thrill of winter adventures and are here to help you enjoy the season to the fullest. Check out our snowmobile financing options today and start your snowy journey with confidence.

Membership and eligibility requirements apply, with approval subject to application, credit, and property considerations.

Loan Rate Discount¹

Snowmobile Rates as Low As

6.84%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.

6.84%

Apply Online Now

Get Pre-Approved for a Snowmobile Loan

Get pre-approved for your snowmobile loan with People Driven Credit Union and shop confidently. Instead of haggling over financing, focus on finding the perfect snowmobile.

Get Pre-Approved

With branches and ATMs easily accessible around Metro Detroit and Southeast Michigan, PDCU is your trusted partner for snowmobile financing.

Snowmobile 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

 6.84% 8.00% 8.45% 9.30%

Rates Effective as of:

6.84%

Calculate Your Monthly Snowmobile Loan Payment

Loan Amount
$
Rate
%
Apply Now

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

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.
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.
Quick answer: You can check your loan application status by contacting People Driven Credit Union or your assigned loan specialist.

How to check the status

  • Call PDCU member or loan support (248) 263-4100.
  • Have your identifying information ready for verification.
  • Ask whether any additional documents are needed to proceed.

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.
Quick answer: People Driven Credit Union may offer skip-a-payment opportunities during eligible periods and for qualifying loans.

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.

Common questions

How do I know if I qualify?

Contact PDCU to confirm current program details, eligibility, and timing.
Quick answer: You can make a loan payment through People Driven Credit Union using online tools, automatic options, or approved payment channels.

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.

Common questions

Can I set automatic loan payments?

Yes. Many members choose auto-pay for consistency and fewer missed payment risks.

Disclosures

**Rates could be higher for older snowmobiles. 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. Certain limitations may apply. Please consult with a representative for further information. Loans are exclusively available for snowmobiles. 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.

6.84%

Rates are higher if older than 10 years. Snowmobiles 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.

Membership Requirement

All accounts and loans require membership at People Driven Credit Union. Membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members. To complete an application for any account or loan, you will need the following information:
  • A valid Driver's License, State ID, or Passport with your current address
  • Your Social Security Number
A Membership Share Savings Account is required to establish membership at People Driven Credit Union. A $5 deposit secures your ownership share in the credit union and unlocks access to our full suite of products and services. This account earns 0.01% APY with a $5 minimum deposit.