Credit union · NCUA insured
Peoples Advantage FCU Auto Loan Rates
Top CarrotPeoples Advantage FCU auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Peoples Advantage FCU’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Peoples Advantage FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Peoples Advantage FCU
4.49%APR
- Terms
- —
- Discount
- None included
New Auto Loan
Lowest rate
Credit Union of Richmond
3.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
Call Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Peoples Advantage FCU auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Peoples Advantage FCU 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.
Motorcycle (Jet Ski & ATV)
Individual rates based on credit worthiness. All terms, conditions and rates subject to loan officer approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.24% | Individual rates based on credit worthiness. All terms, conditions and rates subject to loan officer approval. Example Payment (per $1,000): $86.64. |
Sources (1)
- peoplesadvfcu.org/loan-rates · captured Oct 7, 2026
New Auto Loan
Individual rates based on credit worthiness. All terms, conditions and rates subject to loan officer approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Individual rates based on credit worthiness. All terms, conditions and rates subject to loan officer approval. Example Payment (per $1,000): $85.31. |
Sources (1)
- peoplesadvfcu.org/loan-rates · captured Oct 7, 2026
Used Auto Loan
Individual rates based on credit worthiness. All terms, conditions and rates subject to loan officer approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Individual rates based on credit worthiness. All terms, conditions and rates subject to loan officer approval. Example Payment (per $1,000): $85.61. |
Sources (1)
- peoplesadvfcu.org/loan-rates · captured Oct 7, 2026
Who can join Peoples Advantage FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.