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On a $10,000 loan. As low as:

$161/Month* No Payments for 90 Days

*With AutoPay and Direct Deposit

Apply Now
  • 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.

    Start Now

    Monthly Payment

    Loan Amount
    $
    %
    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 & Used Cars, Trucks, and Vans

    Rates Effective as of: 05-28-2023
    Max Term Term Rate (APR)
    Up to 36 Months As low as 4.16%
    37 to 48 Months As low as 4.95%
    49 to 60 Months As low as 5.95%
    61 to 72 Months As low as 6.97%
    73 to 84 Months As low as 7.97%
    96 Months As low as 8.97%

    Vehicles 8 years and older add 2% APR
    APR=Annual Percentage Rate
    Members arranging automatic electronic payments will receive a 0.25% reduction on new loans. (included in the "As Low As" rate above)
    The approximate monthly payment would be $30 per $1,000 borrowed at 3.99% for 36 months. Rates are subject to change at any time. Other conditions may apply. *The monthly payment example is $10,000 with a 60-month term at 3.99%. 

  • 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. 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.

    Need help?

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Disclosures

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

*APR=Annual Percentage Rate. The actual rate offered is based on overall creditworthiness factors, terms, and satisfactory collateral.

The approximate monthly payment would be $15 per $1,000 borrowed at 5.49% for 36 months. The model year 2019 or newer with less than 100,000 miles. Rates are subject to change at any time. Other conditions may apply.

Rates are subject to change without notice and are for informational purposes only. For details or the latest rate information, contact a credit union representative.

*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. After reviewing your application documents, a loan officer will tell you your qualifying rate. *The monthly payment example is $10,000 with a 72-month term at 5.49%.