Credit union · NCUA insured
People Driven Credit Union Auto Loan Rates
Top CarrotPeople Driven Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How People Driven Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where People Driven Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
People Driven Credit Union
4.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New & Used Auto Loans (5 Years Old or Newer)
Lowest rate
Chief Financial Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
FreeStar Financial Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
People Driven Credit Union auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where People Driven Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Classic Car Auto Loans (26 Years & Older)
For classic and collectible cars 26 years or older. Requires appraisal report by licensed appraiser and proof of insurance coverage. Minimum credit score of 660 required. Maximum financing generally up to 100% of appraised value. Rates include a 0.25% AutoPay discount with direct deposit from a PDCU checking or savings account. PDCU membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.74% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and licensed appraisal required. Term up to 36 months. |
| 37–48 months | 9.75% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and licensed appraisal required. Term 37-48 months. |
| 49–60 months | 9.75% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and licensed appraisal required. Term 49-60 months. |
| 61–72 months | 10.05% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and licensed appraisal required. Term 61-72 months. |
| 73–84 months | 10.30% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and licensed appraisal required. Term 73-84 months. |
| up to 96 months | 10.55% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and licensed appraisal required. Term 96 months. |
Sources (1)
- peopledrivencu.org/loans/loan-rates · captured Oct 16, 2026
Exotic Car Loans
Specialized financing for luxury, supercars, high-performance, and collectible vehicles. Minimum credit score of 660 required; subject to vehicle appraisal and individual eligibility. Financing up to 100% of appraised value. Rates include a 0.25% AutoPay discount with direct deposit from a PDCU checking or savings account. PDCU membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.74% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and vehicle appraisal required. Term up to 36 months. |
| 37–48 months | 9.75% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and vehicle appraisal required. Term 37-48 months. |
| 49–60 months | 9.75% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and vehicle appraisal required. Term 49-60 months. |
| 61–72 months | 10.05% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and vehicle appraisal required. Term 61-72 months. |
| 73–84 months | 10.30% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and vehicle appraisal required. Term 73-84 months. |
| up to 96 months | 10.55% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Minimum credit score of 660 and vehicle appraisal required. Term 96 months. |
Sources (1)
- peopledrivencu.org/loans/loan-rates · captured Oct 16, 2026
New & Used Auto Loans (5 Years Old or Newer)
Available for new and used cars, trucks, SUVs, and vans five years old or newer. Membership at People Driven Credit Union required (requires $5 deposit in Membership Share Savings). Rates include a 0.25% discount for enrolling in AutoPay with direct deposit from a PDCU checking or savings account. 100% financing available for eligible new vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | As low as rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Term up to 36 months. |
| 37–48 months | 4.74% | Term 37-48 months. Rate includes 0.25% AutoPay discount. |
| 49–60 months | 4.74% | Term 49-60 months. Rate includes 0.25% AutoPay discount. |
| 61–72 months | 4.74% | Term 61-72 months. Rate includes 0.25% AutoPay discount. |
| 73–84 months | 5.24% | Term 73-84 months. Rate includes 0.25% AutoPay discount. |
| up to 96 months | 5.74% | Term 96 months. Rate includes 0.25% AutoPay discount. |
Sources (1)
- peopledrivencu.org/loans/loan-rates · captured Oct 16, 2026
Used Auto Loans (Older Than 5 Years)
Available for used cars, trucks, SUVs, and vans older than five years. Add 3.00% to applicable rate on loans with collateral that is 10 years old or older. Rebuilt & Salvage Title Auto Loan Rates: add an additional 2% to the member's qualifying rate. Rates include a 0.25% AutoPay discount with direct deposit from a PDCU checking or savings account. Membership at People Driven Credit Union required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Term <= 36 months. Rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Add 3.00% if collateral is 10 years old or older; add 2.00% for rebuilt/salvage titles. |
| 37–48 months | 4.74% | Term 37-48 months. Rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Add 3.00% if collateral is 10 years old or older; add 2.00% for rebuilt/salvage titles. |
| 49–60 months | 4.74% | Term 49-60 months. Rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Add 3.00% if collateral is 10 years old or older; add 2.00% for rebuilt/salvage titles. |
| 61–72 months | 4.74% | Term 61-72 months. Rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Add 3.00% if collateral is 10 years old or older; add 2.00% for rebuilt/salvage titles. |
| 73–84 months | 5.24% | Term 73-84 months. Rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Add 3.00% if collateral is 10 years old or older; add 2.00% for rebuilt/salvage titles. |
| up to 96 months | 5.74% | Term 96 months. Rate includes 0.25% AutoPay discount with direct deposit from a PDCU account. Add 3.00% if collateral is 10 years old or older; add 2.00% for rebuilt/salvage titles. |
Sources (1)
- peopledrivencu.org/loans/loan-rates · captured Oct 16, 2026
Who can join People Driven Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.