Credit union · NCUA insured
Peoples Choice Credit Union Auto Loan Rates
Peoples Choice Credit Union auto loans start at 6.50% APR for a new vehicle and 6.50% for a used one. Rates checked October 16, 2026.
How Peoples Choice Credit Union’s auto loan rates compare
Compared with banks and credit unions in Kansas, where Peoples Choice Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Peoples Choice Credit Union
6.50%APR
- Terms
- up to 72 months
- Up to
- —
Auto & Truck Collateralized Loans
Lowest rate
Bell Credit Union
3.75%APR
- Terms
- 36–60 months
- Up to
- 11.00% APR
2nd-lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
Peoples Choice Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.50%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Peoples Choice 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.
Auto & Truck Collateralized Loans
All loans with approved credit. Model years older than 15 years add 1.00% to base rate; over 150,000 miles add 1.00%; co-signers add 1.00%; longer term add 1.00%. Credit score adjustments and discounts may apply (.25% off for Auto Pay w/direct deposit; .25% off for borrowing less than 80% LTV). Wild Card discounts (2.00% off for Veterans & Military, Seniors 62+, Students) cannot be combined with other discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.50% | Model Year 2023 to 2026. Rate stated as 'As Low As - APR*'. |
| up to 60 months | 7.00% | Model Year 2021 to 2022. Rate stated as 'As Low As - APR*'. |
| up to 48 months | 7.00% | Model Year 2011 to 2020. Rate stated as 'As Low As - APR*'. |
Who can join Peoples Choice Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or are paid from the counties of Montgomery, Chautauqua, Elk, Wilson, Neosho, and Labette are eligible for membership.
Employers and groups
- Employees of the Union Pacific Railroad and affiliated companies are eligible for membership.
Family and household
- Family members of eligible individuals/employees and retirees from any of the qualifying groups are eligible for membership.
Other ways
- Organizations of eligible individuals or employees are eligible for membership.
Membership information collected October 4, 2026.