Auto Loans
Financing options for purchasing a new vehicle or refinancing your car or truck!
We'll match your current rate to as low as 2.99% APR.*
People's Community Credit Union serves the greater Vancouver WA area.
Apply Today for Affordable Auto Financing
At People's, auto loan rates are never dependent on your credit score! Our loan rates are the same for all members
Dreaming of a new car? We can put it in your driveway! Whether it’s a new red sports car or a gently-used hybrid SUV for family adventures, People’s can put you behind the wheel with our affordable auto loans.
- We offer a variety of loan types, and 100% financing for qualified members.
- Repayment plans are flexible and keep your budget in mind.
- We finance both new and used cars & trucks
New and Used Auto Loans
You can finance the purchase of the car or truck of your dreams, and when refinancing you can get as low as a 2.99% Annual Percentage Rate, and receive a bonus too.
Recreational Vehicle Loans
Boat Loans
First Time Auto Buyer
GAP Insurance
MBI
Vehicle Loans
Are you ready to purchase a new vehicle, but not quite sure where to start?
At People’s we get a lot of questions from members looking for financial guidance. We’ve compiled the most common questions about auto loans and refinancing your vehicle for your reference.
If you need help navigating these big decisions, click the button below to speak to our member services representatives.
Buying a New Car or Refinancing Your Vehicle?
Purchasing a new car or truck is a big decision, but it doesn’t have to be daunting if you are equipped with the right information. When it’s time to look into your financial options for buying a new car, we can help answer your questions so you’re prepared before you go to the dealership. And if you’re ready to refinance your vehicle for lower payments or a better interest rate, we’ve got you covered, too.
Browse our FAQs below to get answers to our most commonly asked questions!
Car Buying Tips
How To Get a Car Loan with Limited Credit History
- Go through a credit union
- Get a cosigner
- Make a down payment
- Have a steady source of income
Refinance Your Existing Auto Loan
Auto Loan Resources
Do I need to be a People's Community FCU member to apply for a loan?
We require all loan applicants to become members prior to applying for a loan through us. As a community credit union based in southwest Washington, this allows us to better serve our customers on an individual basis and provide the attention you deserve. The good news is that it’s easy to join — if you live, work, or worship in Clark, Cowlitz, or Skamania counties, you’re eligible to join the credit union and gain all the benefits of membership.
6 Tips for Buying Your First Car
- Establish a Budget
- Get Pre-approved
- Do Your Research
- Take a Test Drive
- Negotiate – Determine the Right Place
- Read the Contract Carefully
Pros and Cons of Buying a Used Car
Advantages of Buying a Used Car
- Cost savings
- Less depreciation
- Faster payoff
- Lower insurance premiums
Disadvantages of Buying a Used Car
- More wear and tear
- Most don’t come with warranties
- Higher mileage
- Possibility of being stuck with a lemon
Can You Trade in Your Car Before it's Paid Off?
Yes, you can trade in a car before the loan is paid off. In fact, it’s very common. However, if you have negative equity on your vehicle, you could end up with much higher payments and refinancing may be a better option.
What is Forced-Placed Insurance?
Forced-placed insurance is an insurance policy lenders force the borrower to pay for to protect their property in the event the borrower drops their insurance coverage or fails to provide proof of insurance.
What Happens If I Don't Insure My Car?
If you’re caught driving without car insurance, you may have to pay fines or your license could get suspended.
If you cause a car accident and do not have insurance, the other driver can sue you for their damage costs and personal injury costs.
What Does APR Mean When Buying a Car?
A great auto loan can save you hundreds, if not thousands of dollars when buying a car. But, in order to find a good car loan, you’ll need to know how to compare your options.
One of the most important factors to consider is the Annual Percentage Rate, or APR. Learn about what APR means when buying a car.
Auto Loan Calculators
Our financial experts have compiled tools to help you calculate everything you need related to taking out a new car loan or refinancing your vehicle. Get pre-approved before you even visit the dealership! You’ll know exactly what you have for financing options, so you can concentrate on getting the vehicle you want!
The Pacific Northwest's Trusted Credit Union Since 1952
Looking for a financial institution you can trust? With People’s you’ll find a wide variety of accounts for all your financial needs—whether you’re a savvy saver, a young family looking for a better auto loan rate, or opening your very first checking account.
Everything you need to find, purchase, and finance a vehicle.
Auto Solution
Auto-Buying made easy!
Auto Solution is dedicated to serving credit union members of the Northwest with their auto buying needs. Through Auto Solution, People’s provides you a hassle-free car buying experience.
Enterprise Car Sales
Haggle-Free Buying, Worry-Free Ownership. For more than 40 years, Enterprise has been selling cars only one way: they select great cars – most from their fleet of more than 700,000 vehicles – offer them at competitive prices, and back each one with one of the industry’s best used car warranties.
NADA Vehicle Pricing & Information
Know the real price before you buy. You’ll be better equipped in buying a car if you know the true value or cost of the vehicles you consider. NADA can provide you with the information you need to negotiate a great price on your next new or used car.
CARFAX®
Don’t run the risk of buying used cars with costly hidden problems.
Get a detailed vehicle history report from CARFAX’s nationwide database. Additional charges will apply.
At People’s, All Members Get the Same Rate
People’s provides members with access to affordable credit through low-rate loans. What sets our credit union apart is that all members pay the same rate, no matter their credit score or amount in their account. We are here to help you with your financial needs.
Five Locations in Vancouver WA
Vancouver Waterfront
701 W Columbia Way
Vancouver, WA 98660
Hazel Dell
7403 NE Hazel Dell Ave
Vancouver, WA 98665
Battle Ground
121 NW 20th Ave
Battle Ground WA 98604
Fisher’s Landing
16211 SE 12th Street
Vancouver WA 98683
Ridgefield
109 S 65th Ave, Ste 102
Ridgefield, WA 98642
Auto Loans in Vancouver WA
Serving Greater Vancouver WA