Auto loans that get you there

Whether you’re looking to purchase a new or used vehicle, our auto financing options get you where you want to be. Apply now to lock in a low rate.

Shop for local vehicles from home!

AutoSmart is PeoplesChoice Credit Union’s Partner Inventory list. Feel free to browse the current inventory of our partnering auto dealerships. Find your dream vehicle without stepping foot outside your door, search local inventory right from your computer or phone.

Have a New Car Loan with PCU? What's Next?



We finance new and used car loans

Enjoy highly competitive rates as low as 6.49% with terms up to 84 months on new cars and used cars. Members may finance up to 100% of the purchase price or NADA retail value, whichever is lower.*

Get approved for a loan at the dealership. We’ve partnered with Maine’s top dealerships to make your car buying experience as easy as possible.

*We reserve the right to ask for a down payment based on the creditworthiness of the member.

How it works


Simply apply online with your info, or visit one of our local partner dealerships and choose the car you’d like to finance.


One of our loan specialists will review your loan application and work directly with the dealership or be in touch with you.


If approved, the dealership will arrange for you to pick up your car. If you applied online, we’ll connect you with a dealership that has the vehicle matching your needs.

Why choose PeoplesChoice?

Keep it local.
  • Work with real Maine locals who understand your needs.
Flexible financing options.
  • We finance new and used vehicles, older models, and those with higher mileage.
Ease and simplicity.
  • A straightforward application process gets you on the road sooner!

The way auto financing should be.

Enjoy low rates with terms up to 84 months on new cars, and used cars. Apply now to get your rate.