Car shopping is exciting… right up until you start talking financing. That’s where we come in.
People Driven Credit Union’s 2026 Auto Loan Special makes it easier to get into a vehicle you’ll love, without overpaying for it. If you’re buying new or used (including older vehicles), you may qualify for rates as low as 5.24% APR* for up to 72 months. And for current PDCU members approved for an auto loan, you can enjoy no payments for 90 days.
Auto Loan Rates as Low as 5.24% APR*
- Rates as low as 5.24% APR*
- Terms up to 72 months
- Eligible for newer vehicles (5 years old or newer) and used vehicles (older than 5 years)
- No payments for 90 days for current PDCU members approved for an auto loan
No Payments for 90 Days: How It Helps
Sometimes the timing is the hardest part, down payment, registration, insurance, maybe a few upgrades (floor mats are basically required by tradition).
With this special, approved current members can defer their first payment for 90 days, giving you breathing room while you settle into your new ride and new budget.
Tip: If you’d rather start paying sooner, you can, paying early is always allowed.
Newer vs. Older Vehicles: What to Know
Whether you’re going with something newer or something with a little more road wisdom, we’ll help you finance it the right way.
- Vehicles 5 years old or newer: Great for newer purchases and may qualify for higher financing options.
- Vehicles older than 5 years: Still eligible for financing, just expect loan-to-value (LTV) and rate qualifications to be based on the vehicle’s age and value.
Make the Deal Stronger with Pre-Approval
Want an easier car-buying experience? Get pre-approved first. It helps you:
- Shop with a clear budget
- Move faster at the dealership (or in a private sale)
- Focus on the right vehicle, not the “what if” math
Get Pre-Approved / Apply Online
Quick FAQs
Does everyone qualify for the lowest rate?
No—rates are based on creditworthiness, term, and vehicle factors. “As low as” means well-qualified borrowers may be eligible for the lowest APR.
Does the 90-day no-payment feature mean it’s interest-free?
Not necessarily. Your first payment may be deferred, but interest may still accrue during the deferral period depending on your loan terms.
How do I get the lowest possible APR?
Ask about setting up AutoPay and any available discounts. The lowest advertised rate may include an AutoPay-related discount.
Ready to Drive?
If you’re planning to buy soon, don’t wait until you’re sitting in the dealership finance office (they love that move, because it works). Get started with PDCU today.
Disclosures: APR = Annual Percentage Rate. Rates are subject to change and may vary based on creditworthiness, term, and collateral. Membership and eligibility requirements apply; all loans subject to approval. “As low as” rate may include a 0.25% APR discount for AutoPay; AutoPay discount requirements apply. For used vehicles, rate adjustments may apply for certain titles/vehicle ages. Payment deferral (“no payments for 90 days”) is available to current members approved for an auto loan; interest may accrue during the deferral period. Contact People Driven Credit Union for full details.
