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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

7.54%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.

7.54%

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

 7.54% 8.65% 9.10% 9.95%

Rates Effective as of:

7.54%

Calculate Your Monthly Snowmobile Loan Payment

Monthly Payment

Loan Amount
$
%
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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.
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
People Driven Credit Union offers competitive financing for a wide range of recreational vehicles. Whether you want a new or used purchase or a refinance, we make it easy with rates as low as 6.84% APR*, flexible terms up to 180 months, and the option for no payments for 90 days on qualified loans.

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

  1. Check your credit score before you apply to qualify for the best rates.
  2. Gather your Driver’s License, Social Security number, and income details.
  3. Apply online at our Recreational Vehicle Loans page for the fastest start.
  4. Ask about the 90-day no-payment option if you are a current member.
  5. Contact us at 248-263-4100 for a pre-approval before you shop.
People Driven Credit Union finances the recreational vehicles you love so you can enjoy every adventure. From motor homes and campers to boats, motorcycles, ATVs, and snowmobiles, we offer the rates, terms, and service that make buying easy. Many members hit the road or water the same month they apply. Thank you for banking with us. Our team is always ready to help you finance your next recreational vehicle.

To check the status of your loan application, contact People Driven Credit Union at 248-263-4100 during business hours or reach out to your assigned loan specialist if you have their contact information. Be ready to verify your identity and share details such as your name, member number, or application number so we can review your application with you.

When you check your status, it is also a good idea to ask whether any additional documents or information are needed to keep your application moving. Review times can vary based on the loan type and the information required, so contacting us directly is the best way to get the most current update on your application.

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

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 an 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 48033

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

  1. Call at least one business day before your payment is due.
  2. Have your loan number and member number ready.
  3. Ensure $35 is available in your account for the fee.
  4. Remember interest still accrues during the skipped month.
  5. Contact us at 248-263-4100 to confirm your loan qualifies.
 

PDCU offers options for making your loan payment:

Online Banking (MyPDCU Portal & Mobile App)

Step 1: Log into the MyPDCU Online Portal or the MyPDCU mobile app.
Step 2: Select ‘Transfers.’
Step 3: Choose the account from which you want to transfer funds and the loan you wish to pay.

Debit/Credit Card Payments

Call (248) 263-4100 to make a payment using a debit or credit card.

Auto-Transfer Setup

Set up an automatic transfer from your People Driven account to make regular loan payments. You can also attach this auto-payment to your direct deposit. Call us at (248) 263-4100 or visit any of our five branches for assistance.

Payments from Other Financial Institutions

Set up an auto-payment from another financial institution. We’ll provide you with the necessary form to get started. Call us at (248) 263-4100 or stop by any branch.

Mail a Check

You can mail a check payable to People Driven Credit Union to:

24333 Lahser Rd
Southfield, MI 48033

Pay in Person

Make your loan payment in-person at any People Driven Credit Union branch location.

Need Help? We're Here.

Missing a payment or making a late payment can result in fees and damage to your credit score. If you're having trouble making a loan payment, don't hesitate to contact us. People Driven Credit Union is committed to assisting our members, and there are several ways we can help. 

Skip-a-Payment

Eligible members can skip one loan payment on eligible loans per calendar year for a fee. Eligible loans include all except Fresh Start Auto Loans, PD Quick Cash Loans, Lines of Credit, Mortgages, Commercial Loans, and Credit Cards, which are excluded from the Skip-a-Payment program. Learn more about the Skip-a-Payment program.

GreenPath Financial Wellness

We have partnered with GreenPath Financial Wellness to help our members get back on track with their finances and credit. Call GreenPath at 877-337-3399 and let them know you're a PDCU member who would like to make an appointment with a representative.

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.

7.54%

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.