Auto & Motorcycle Loans in Rhode Island

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

New Auto (Model Years 2020 – 2023)

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.

Used Auto (Model Years Prior to 2019)

Looking to finance a car that’s new to you or refinance your current auto loan? We can help.


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.


Active as of 12.01.2022

Auto Loans

New Vehicles

ProgramTermAPR*Monthly Payment Per
$1,000 Borrowed
Model Years 2020-202366 Months4.50%$17.13Apply Now
Model Years 2020-202375 Months4.80%$15.46
Apply Now
Model Years 2022-202384** Months6.00%$14.61Apply Now

Auto Loans

Used Vehicles

ProgramTermAPR*Monthly Payment Per
$1,000 Borrowed
Model Years 2018-201966 Months4.80%$17.27Apply Now
Model Years 2018-201975 Months5.80%$15.93Apply Now
Model Years 201766 Months5.30%$17.50Apply Now
Model Years 201772 Months6.00%$16.57Apply Now
Model Years 2015-201648 Months5.30%$23.17Apply Now
Model Years 2015-201660 Months6.00%$19.33Apply Now
Model Years 201448 Months11.75%$26.21Apply Now

Motorcycle Loans

New & Used

ProgramTermAPR*Monthly Payment Per
$1,000 Borrowed
Model Years 2016-202160 Months5.99%$19.33Apply Now
Model Years 2016-202172 Months7.49%$17.29Apply Now
Model Years 2011-201548 Months7.99%$24.41Apply Now

Step into Your First
Home Mortgage

Lower Rates for the first three years

Just 3% down

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.


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Laura Klaus

Helpful Resources

At People’s Credit Union, we are passionate about providing resources, information, and solutions to help you get ahead.


Our convenient financial calculators can help you make more informed decisions. 

How much car can I afford?

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.

What is my loan rate?

This loan rate calculator will calculate the interest rate on a loan given a loan amount, payment amount, and number of payments.