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  • Overview

    Car Buying Tips

    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. Terms up to 96 months*

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    Monthly Payment

    Loan Amount
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    Term Months
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    Use of a calculator is not a guarantee of credit and is a estimate.

    TruStage® Auto & Home Insurance ProgramPeople Driven Credit Union Members save on the TruStage® Auto & Home Insurance Program

    Designed for credit union members like you, the TruStage® Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

    Get your free quote online today or call 1-855-589-2146.*See disclosures below

    According to Consumer Reports®

    “Choose a credit union for a car loan because those institutions often offer the lowest rates” At People Driven Credit Union, we will custom tailor the best-used car loan offer for you.

    • Available on new or pre-owned cars
    • Repayment options tailored for you
    • Pre-approvals are valid for 30 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

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  • Rates

    Rates

    New & 5 Years or Less Used Cars, Trucks, and Vans

    Rates Effective as of: 12-01-2023
    Max Term Term Rate (APR)
    Up to 36 Months As low as 6.39%
    37 to 48 Months As low as 7.10%
    49 to 60 Months As low as 7.10%
    61 to 72 Months As low as 7.40%
    73 to 84 Months As low as 7.65%
    96 Months As low as 7.90%

    Used Cars, Trucks, and Vans Older Than 5 Years

    Rates Effective as of: 12-01-2023
    Max Term Term Rate (APR)
    Up to 36 Months As low as 6.89%
    37 to 48 Months As low as 7.60%
    49 to 60 Months As low as 7.60%
    61 to 72 Months As low as 7.90%
    73 to 84 Months As low as 8.15%
    96 Months As low as 8.40%

  • 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 $35. Fresh Start Auto Loans, Lines of Credit, Mortgages, Commercial Loans, and Credit Cards are excluded.
    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 if the car is deemed a total loss, up to 150% LTV. GAP is a $575 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. o Covers the difference between the outstanding loan balance and the actual value (determined by the insurance company) of the auto up to the max LTV. o Covers total loss AND unrecovered theft o May cover up to $1000 of the deductible if there is a gap after the insurance pays
    GAP insurance is offered during the auto loan process.  Please call us at (248) 263-4100 for more information.

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Disclosures

The best-used car loan can be found at People Driven Credit Union. 

*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.

Special Loan Rate Discount: Benefit from a 0.25% reduction when enrolling in our AutoPay service and is included in the “as low as” rate advertised. The discount is available to those with Direct Deposit of payroll, social security, or retirement and AutoPay setup from a People Driven Credit Union checking or savings account.

Payment example: Monthly payments of $20.00 for each $1,000 borrowed at 6.55% APR for 60 months.

E H L. People Driven Credit Union is an Equal Housing Opportunity Lender NMLS #776727
All other trademarks are the property of their respective owners.