Credit union · NCUA insured
People's Credit Union Auto Loan Rates
People's Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How People's Credit Union’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where People's Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
People's Credit Union
5.49%APR
- Terms
- up to 63 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Shoreham Bank
3.99%APR
- Terms
- up to 78 months
- Discount
- None included
2nd-lowest rate
St. Anthony of Padua FCU
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
People's Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where People's 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 Loans
Offers available for purchase or refinance. Advertised rates require a credit score of 700 and maximum loan-to-value of 120% of retail or MSRP value, and include a 0.25% automatic electronic payment discount from an internal checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | Model years 2023-2026. Advertised APR is lowest available based on a credit score of 700 and maximum LTV of 120% of retail or MSRP value. Published rate includes a 0.25% discount for automatic payments from an internal People's checking account. |
| up to 66 months | 5.49% | Model years 2023-2026. Advertised APR is lowest available based on a credit score of 700 and maximum LTV of 120% of retail or MSRP value. Published rate includes a 0.25% discount for automatic payments from an internal People's checking account. |
| up to 75 months | 5.74% | Model years 2023-2026. Advertised APR is lowest available based on a credit score of 700 and maximum LTV of 120% of retail or MSRP value. Published rate includes a 0.25% discount for automatic payments from an internal People's checking account. |
| up to 84 months | 6.74% | Model years 2023-2026. Minimum loan amount of $25,000 with maximum mileage of 40,000 for 84-month terms. Advertised APR is lowest available based on a credit score of 700 and maximum LTV of 120% of retail or MSRP value. Published rate includes a 0.25% discount for automatic payments from an internal People's checking account. |
| up to 63 months | 5.74% | Model years 2020-2022. Advertised APR is based on a credit score of 700 and maximum LTV of 120% of retail value. Published rate includes a 0.25% discount for automatic payments from a People's checking account. |
| up to 66 months | 5.74% | Model years 2020-2022. Advertised APR is based on a credit score of 700 and maximum LTV of 120% of retail value. Published rate includes a 0.25% discount for automatic payments from a People's checking account. |
| up to 75 months | 6.14% | Model years 2020-2022. Advertised APR is based on a credit score of 700 and maximum LTV of 120% of retail value. Published rate includes a 0.25% discount for automatic payments from a People's checking account. |
| up to 66 months | 6.90% | Model years 2017-2019. Advertised APR is based on a credit score of 700 and maximum LTV of 120% of retail value. Published rate includes a 0.25% discount for automatic payments from a People's checking account. |
| up to 75 months | 7.54% | Model years 2017-2019. Advertised APR is based on a credit score of 700 and maximum LTV of 120% of retail value. Published rate includes a 0.25% discount for automatic payments from a People's checking account. |
| up to 66 months | 7.10% | Model year 2016. Advertised APR is based on a credit score of 700 and maximum LTV of 120% of retail value. Published rate includes a 0.25% discount for automatic payments from a People's checking account. |
Sources (1)
- peoplescu.com/rates/personal-auto-loan-rates · captured Oct 22, 2026
Motorcycle Loan
Available for new loans only. Advertised APR is based on a credit score of 700 and maximum loan-to-value of 90%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.49% | Model years 2021-2024. New loans only. Advertised APR is lowest available and subject to change without notice. Based on a credit score of 700 and maximum LTV of 90%. |
| up to 72 months | 7.99% | Model years 2019-2020. New loans only. Advertised APR is lowest available and subject to change without notice. Based on a credit score of 700 and maximum LTV of 90%. |
Sources (1)
- peoplescu.com/rates/personal-auto-loan-rates · captured Oct 22, 2026
Who can join People's Credit Union
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