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.
Guaranteed Auto Protection (GAP) covers that gap between the amount your car is worth (insurance settlement) and the amount you still owe in the event that your car is totaled or stolen and unrecovered.
Mechanical Breakdown Insurance (MBI) covers car repairs that are unrelated to an accident, much like an extended warranty.
Yes, you can get an auto loan without credit. Some lenders and car dealers provide loans for people with no credit but it will depend on various factors.
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.
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.
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.
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.
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.
Whether you’re opening a new auto loan or transferring an existing loan, we have you covered with competitive rates and flexible payment plans.
Apply for a Loan See Our Current RatesAuto 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.
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