We’re the first place to visit when you’re in the market for a new vehicle.
We have a variety of loan terms to fit your budget. We want you to shop with confidence, so before you start shopping we’ll preapprove your loan so you’ll know exactly how much you can spend and what the monthly payments will be.
Loan Options
Auto Model Years 2021 – 2024
If you are looking to purchase a new car or refinance your new car loan at a lower rate, we have a variety of terms to meet your payment needs.
Auto Model Years 2015 – 2020
Looking to finance a car that’s new to you or refinance your current auto loan? We can help.
Motorcycle
Getting out on the open road? Let us help you finance or refinance your motorcycle.
Recreational Vehicle
Whether you are looking at RVs, motorhomes, a sailboat, powerboat, or trailer, we have a loan product that will fit your needs.
Please call our Member Service Center at 800.498.8930 for more information or visit one of our six locations.
Business Vehicle & Equipment Financing
With a term loan, small business owners gain flexibility. This loan is generally used for the purchase of large ticket items, such as vehicles or equipment.
Check Your Application Status
If you’ve already filled out an application and want to know its current status, you can quickly check by filling out your last name, email, and social security number.
Financial
Calculators
Our convenient financial calculators can help you make more informed decisions.
This calculator computes the most expensive car you can buy based on the highest monthly payment you can afford.
Is an Auto Loan or Home Equity Loan best for purchasing a car?
This calculator helps determine if a home equity loan may be better than standard automobile financing for purchasing a car.
How long will it take to pay off my loan?
Use this loan payoff calculator to find out how many payments it will take to pay off a loan.
How much will my loan payments be?
Use this calculator to compute the payment amount (principal and interest) for a fixed rate loan.
This loan rate calculator will calculate the interest rate on a loan given a loan amount, payment amount, and number of payments.
Related Products
Frequently Asked Questions
What can we help you with today?
Getting preapproved from People’s lets dealers know that you are a serious buyer and you can be confident knowing that you have a great low-rate financing option.
We offer a variety of terms for both new and used auto loans. We can help you determine the right solution for you and your budget. To learn more visit our Auto Loan page.
To make a payment on your People’s Credit Union loan, you can set up a transfer from your Credit Union checking or savings account. In addition, you now have the ability to transfer your People’s Credit Union loan payment using the Bill Pay module. Loan payments made through the Bill Pay module will be processed immediately. To make a transfer payment from your People’s Credit Union checking or savings account through the Bill Pay module, select the Bill Pay option in the top banner, choose the “Make a Loan Payment” tab and follow the instructions on the screen to complete the transfer payment. To set up recurring payments, you would select the “Recurring” option from the “Scheduling Option” toolbar.
Rates
Active as of 11.20.2024
Auto Loans
Model Years 2022-2025
DISCLOSURES
*Annual Percentage Rate (APR) are lowest and subject to change without notice. Advertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120%. Published rate includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from an internal People’s checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
**Minimum loan amount of $25,000 with maximum mileage of 25,000 with terms of 84 months.
- 2022-2025 Auto Loan (6.10% APR): 63 monthly payments of $18.65 per $1,000 borrowed.
- 2022-2025 Auto Loan (6.20% APR): 66 monthly payments of $17.97 per $1,000 borrowed.
- 2022-2025 Auto Loan (6.20% APR): 72 monthly payments of $16.71 per $1,000 borrowed.
- 2022-2025 Auto Loan (6.20% APR): 75 monthly payments of $16.16 per $1,000 borrowed.
- 2022-2025 Auto Loan (7.20% APR): 84 monthly payments of $15.24 per $1,000 borrowed.
Auto Loans
Model Years 2019-2021
DISCLOSURES
Interest Rates are subject to change without notice.
* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120%. Published rates includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from a People’s checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
- 2019-2021 Auto Loan (6.20% APR): 63 monthly payments of $18.69 per $1,000 borrowed.
- 2019-2021 Auto Loan (6.40% APR): 66 monthly payments of $18.07 per $1,000 borrowed.
- 2019-2021 Auto Loan (6.40% APR): 72 monthly payments of $16.82 per $1,000 borrowed.
- 2019-2021 Auto Loan (6.40% APR): 75 monthly payments of $16.26 per $1,000 borrowed.
- 2016-2018 Auto Loan (7.00% APR): 63 monthly payments of $19.07 per $1,000 borrowed.
- 2016-2018 Auto Loan (7.00% APR): 66 monthly payments of $18.36 per $1,000 borrowed.
- 2015 Auto Loan (9.24% APR): 60 monthly payments of $20.96 per $1,000 borrowed.
Motorcycle Loans
Model Years 2016-2024
DISCLOSURES
*Annual Percentage Rate (APR) is lowest available and subject to change without notice. Advertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 90%. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan. New loans only.
- 2021-2024 Motorcycle Loan (7.49% APR): 60 monthly payments of $20.04 per $1,000 borrowed.
- 2019-2020 Motorcycle Loan (7.99% APR): 72 monthly payments of $17.53 per $1,000 borrowed.
