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Rates as low as

1.99% APR* & No Payments for 45 Days

With Auto Pay

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  • Overview

    3 Car Buying Tips

    • Consult CARFAXTM or Kelley Blue Book® for vehicle history and valuation
    • Have a mechanic inspect the car
    • Add PDCU Mechanical breakdown coverage

    Get The Best Car Loan with a Great Low Rate.

    Whether you’re looking to buy a new car or pre-owned, or refinance an auto loan, People Driven Credit Union is here to help. We provide auto loans with great rates, 100% financing, and decisions in minutes. Check out how much you can save, stop dreaming, and start driving.

    Start Now

    Monthly Payment

    Loan Amount
    Term Months

    How to get great low-cost car insurance:

    • Don’t assume any one company is the cheapest, shop around
    • Consider both local and regional insurers
    • Check for association discounts
    • Keep your credit score as high as possible
    • Consider insurance costs when selecting your next car

    According to Consumer Reports®

    “Choose a credit union for a car loan because those institutions often offer the lowest rates” Another good reason to join People Driven Credit Union. the Best Used Car Loan Offer:

    • Available on new or pre-owned cars
    • Auto financing up to 84 months
    • Repayment options tailored for you
    • Pre-approvals are valid for 60 days
    • Save on a refinance even if you have just closed on a loan

    The people at the Warren Branch are the Best!

    David - Member since 1978
  • Rates


    New & Used Cars, Trucks, and Vans

    Rates Effective as of: 03-02-2021
    Max Term Term Rate (APR)
    Up to 36 Months As low as 2.24%
    37 to 48 Months As low as 2.49%
    49 to 60 Months As low as 2.49%
    61 to 72 Months As low as 2.74%
    73 to 84 Months As low as 3.24%

    2011 or older vehicles add 2% APR
    APR=Annual Percentage Rate

  • 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
    1. 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.
    2. Log into iTalk (telephone teller) and make your payment. Option 3 for payments.
    3. To make a payment with a debit/credit card please (248) 263-4100.
    4. 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.
    5. 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.
    6. 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.

Ready to get the car you've been dreaming about?

The Best Rate

Starts Here!

The Best Used Car Loan can be found at People Driven Credit Union. 

*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 Auto 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 125% 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 125%. 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 125% 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.

Find out more, on our privacy and disclosures page