Looking to finance your next ride or refinance an existing auto loan from another lender? People Driven Credit Union makes it affordable and straightforward to hit the road with confidence. With rates starting at 5.04%¹ APR*, you can drive away knowing you got a great deal.
Today’s auto loan rates as low as
5.04%¹ APR*
This is your chance to take advantage of our rate of 5.04%¹ APR* for up to 72 months on new and used vehicles and refinanced loans from other lenders. Whether you’re buying a car, truck, or SUV—or looking to refinance for better terms—this rate gives you the flexibility to find the perfect deal.
Auto loan rates for new & 5 years or less used cars, trucks, SUVs, & vans:
|
Term (Months) |
≤36 |
37-48 |
49-60 |
61-72 |
|
APR* as low as¹ |
5.04% | 6.10% | 6.10% | 6.60% |
|
Rates Effective as of: |
||||
What’s Eligible?
Our lowest rate applies to:
- New vehicles
- Used vehicles 5 years old or newer
- Cars, trucks, SUVs, and vans
- Refinanced auto loans from another lender
Loans currently financed with People Driven Credit Union are not eligible. To qualify, loans must close within 30 days of application.
Why Finance or Refinance with PDCU?
- Rates starting at 5.04%¹ APR* – Competitive rates help keep your payments low.
- Flexible terms – Finance for up to 72 months.
- Simple process – Apply online or visit a branch.
- Local service you can trust – We’re a member-owned and community-focused organization.
Refinance and Save
Already driving a car you love but stuck with a high-rate loan from another lender? Bring it to PDCU and you could:
- Lower your interest rate
- Reduce your monthly payment
- Pay off your vehicle faster
How to Apply
- Apply Online: It only takes a few minutes.
- Visit a Branch: Talk to our friendly team in person.
- Call Us: Need help? Call (248) 263-4100 for assistance.
Please note: Loans must be closed within 30 days of application to qualify for the promotional rate.
Learn more about Auto Loans from People Driven Credit Union.
Frequently Asked Questions
Q: Can I refinance my current PDCU auto loan to get the 5.04%¹ APR*?
A: No, this rate is only for new loans and loans refinanced from another lender.
Q: Can I finance a used car and still get the 5.04%¹ APR*?
A: Yes—as long as the used vehicle is 5 years old or newer.
Q: How long do I have to close the loan after applying?
A: You must close within 30 days of your application to qualify.
Disclosures
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 set up autopay of their monthly loan payment from a People Driven Credit Union checking or savings account.
*APR = Annual Percentage Rate. The actual APR and loan term are subject to approval and may be determined based on the borrower’s creditworthiness, the amount borrowed, and the type, value, age, and condition of the collateral. Rates are current as of today and are subject to change without notice.
Membership Required: All accounts and loans at People Driven Credit Union require membership. Membership is available to those who live, work, worship, or attend school in the State of Michigan—or are a relative of a current member. A $5 deposit secures your ownership share in the credit union and unlocks access to our full suite of products and services.
