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Overview
- Motorcycles
- Motorhomes
- Boats
- Travel Trailers
- ATV
- JetSki
No payment for 45 Days
Rates could be higher for older vehicles. *APR may differ based on loan purpose, amount, term and member’s credit score. Down payment may be required. Other terms and conditions based on Loan to Value. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. For more information see disclosures below*
Monthly Payment
Loan Amount$Rate%Term MonthsConvenience
By having all your accounts with a credit union you know that you are getting great rates on everything.
Pre-approval puts you in the driver’s seat
It’s a smart move to get pre-qualified before you go shopping for a Motorcycle, Boat or RV. Once Pre-Approved Members can focus on picking the toy you want rather than haggling over financing with the seller.
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Gap Insurance
Guaranteed Asset Protection insurance covers the difference between the actual cash value of a vehicle and the balance still owed on the financing. Contact us to learn more.
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Auto Refinance
Auto refinancing could score you a lower interest rate. As a result, it could decrease your monthly payments and free up cash for other financial obligations.
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Mortgage Refinance
Why not bundle all your debt into on low interest rate and improve monthly cash flow.
Apply for your PDCU Refinance with Member First Mortgage
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Rates
Rates
RV’s Boats, Motorcycles
Rates Effective as of: 11-23-2020Term 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 -
FAQs
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- 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.
- Log into iTalk (telephone teller) and make your payment. Option 3 for payments.
- To make a payment with a debit/credit card please (248) 263-4100.
- 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.
- 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.
- 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.
*Disclosures
Motorcycle Loans Boat loans, RV Loans, recreational vehicle loan Disclosures
Rates and offers current as of May 1, 2020, and are subject to change.
*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 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 100% 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 100%. 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 100% 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.
Please review all our privacy and disclosures page for more information
Put yourself in the driver’s seat with help from People Driven Credit Union. Our financing options, rates, and loan pre-approvals can help you find the best car for your needs, at the best price! Enjoy the added convenience of making your payments with Direct Deposit. * Use of a calculator tool is not a guarantee of credit.
* Members loan terms, including APR, may differ based on loan purpose, amount, term length, and members credit profile. Down payment required and other terms and conditions based on LTV (Loan to Value) Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. For more information visit our website at PeopleDrivenCU.org
