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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.

*Annual Percentage Rate

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.

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

  • Go through a credit union
  • Get a cosigner
  • Make a down payment
  • Have a steady source of income
Do you have a current auto loan with another lender? Bring us your loan and we’ll give you a bonus!

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Auto Loan Resources

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.

  1. Establish a Budget
  2. Get Pre-approved
  3. Do Your Research
  4. Take a Test Drive
  5. Negotiate – Determine the Right Place
  6. Read the Contract Carefully

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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

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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.

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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.

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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.

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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.

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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.

Questions? Member services is here to help!
People's Community Federal Credit Union logo

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.

> Visit Website

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.

> Visit Website

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.

> Visit Website


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.

> Visit Website

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

Auto Loans in Vancouver WA

Serving Greater Vancouver WA

Vancouver | Fishers Landing | Hazel Dell | Battle Ground | Ridgefield | Salmon Creek

Orchards | Minnehaha | Walnut Grove | Hockinson | Baker | Sara | Felida | Cascade Park