People Driven Credit Union

People Driven Credit Union is a less known credit union money lender that offers personal and business loans and other banking services to those in and around the Michigan area.

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    How do People Driven Credit Union auto loans work?

    There are some great deals on auto loans at People Driven Credit Union, starting at just 1.99% with no payment for 90 days.

    Credit score

    Some of the ratings are subject to change depending on your credit score, and it has quite a strict cut-off. Fall below this and it won’t offer you a loan.

    How much can you borrow?

    The People Driven Credit Union has the option when taking an auto loan to finance the entire market value of a new car.

     What types of vehicles are eligible for financing?

    The auto loans cover most cars and larger road vehicles, while a separate loan can be taken out to cover motorcycles, boats, and RVs.

    How do I qualify?

    A membership with People Driven Credit Union can be gained if:

    • You live, work, attend school or worship within the Southeast Michigan counties of:
      • Genesee
      • Lapeer
      • Livingston
      • Macomb
      • Oakland
      • St. Clair
      • Washtenaw
      • Wayne
    • Employees or retired employees of the following:
      • Tower Automotive.
      • Ford Motor Company
      • Visteon Corporation
      • Automotive Components Holdings
      • L.L.C.
      • Faurecia
      • Johnson Controls Inc
      • Hoover Automotive Systems Group 
      • People Driven Credit Union.
    • Anyone related to a PDCU member by blood or marriage
    • Retirees. Anyone over age 55 who receives some form of retirement payment from private or government sources and lives in a retirement organization located in the above counties.

     What documents do I need?

    Make sure, before beginning your application process online, you have collected together all the relevant information and documentation, in order to save time and make things easier. You’ll simply need some ID, your SSN, and proof of address.

    What are the fees?

    There are no stated fees on the website, and credit unions often don’t charge late fees, but you should always confirm this when taking out an auto loan.

    How long does the loan process take?

    It shouldn’t take you any time at all to fill out the online application process, and then the money can be with you in less than a week.

     How to apply for an auto loan?

    You’ve got to use the website in order to apply.

    What payment methods are supported?

    You can pay online by using a credit card or a bank transfer.

    Pros and Cons


    • GAP Insurance for risk-free purchases
    • Those with good credit can receive attractive rates


    • You must live in a certain area of Michigan to apply

    Is People Driven Credit Union right for you?

    This lender may well be the one for you, as it offers some pretty appealing auto loans. However, the website is a little clunky and difficult to navigate, and the deals only apply to a specific small group of people.

    A lender that’s similar, but has better terms on auto loans and services a much wider area would be Open Road. It offers greater value and can provide its customers with large savings.