Auto Loan Recapture
Lower your rate. Keep more of your money by financing your next ride with us. Rates as low as 4.90% APR1 for a limited time.
A Better Way to Finance What Moves You.
If your auto loan lives somewhere else or if you’re thinking about your next car or truck, this is your moment to take a second look, because financing should feel simple, flexible and worth it. With Piedmont Advantage, you’re not navigating fine print or chasing pre-approvals. You’re choosing a better way forward with competitive rates, real savings and options designed around you.
Features & Benefits
Lower rates that work harder for you. Take advantage of rates as low as 4.90% APR1 for new cars and 5.15% APR2 for used cars, with built-in savings when you enroll in auto-pay.
A little thank-you for making the move. For a limited time, close your loan and receive a $100 deposit3 into your Piedmont Advantage Regular Share Account.
Flexibility that fits your life.
- Choose your monthly due date4
- Terms up to 84 months5
- Finance up to 125% of your vehicle’s value6
No Surprises. No Extra Fees.
No set-up fees. No prepayment penalties. Just clear terms and real value.
Plus, protection when you want it. Optional low-cost GAP coverage, warranties and debt protection, so you can drive with confidence.
Auto Loan Payment Calculator
Curious what your payment could look like with a lower rate?
Use our calculator to estimate your monthly payment in seconds. Adjust the loan amount, rate and term to see how small changes can make a big difference, especially when you refinance.
Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the aviation industry, Piedmont Advantage Credit Union (PACU) serves member-owners, who reside, work, worship, attend school or operate a business in one of the six counties it serves in North Carolina or who are employed by one of its many employer companies. These six counties are Davie, Forsyth, Guilford, Iredell, Mecklenburg and Rockingham.
Disclosures
1APR=Annual Percentage Rate. As of March 31, 2026, standard APRs offered for new auto loans range from 5.50% to 16.00%. Advertised rate shown includes a 0.35% rate discount for the Auto Loan Recapture promotion and a 0.25% rate discount for loans set up on auto-pay. This promotional APR offer cannot be combined with a Loyalty Rewards rate discount or any other promotional offer or rate discount. Actual APR offered can vary based on creditworthiness, age and condition of vehicle, term of the loan and participation in auto-pay. Normal lending criteria apply. To be eligible for this rate discount, completed loan application must be submitted by May 31, 2026 and loan proceeds may not be used to refinance or pay off an existing Piedmont Advantage loan. Program, rates, terms and conditions are subject to change without notice. Payment Example: A $27,000 loan at 4.90% APR for 60 months would have required monthly payments of $486.83.
²APR=Annual Percentage Rate. As of March 31, 2026, standard APRs offered for used auto loans range from 5.75% to 16.00%. Advertised rate shown includes a 0.35% rate discount for the Auto Loan Recapture promotion and a 0.25% rate discount for loans set up on auto-pay. This promotional APR offer cannot be combined with a Loyalty Rewards rate discount or any other promotional offer or rate discount. Actual APR offered can vary based on creditworthiness, age and condition of vehicle, term of the loan and participation in auto-pay. Normal lending criteria apply. To be eligible for this rate discount, completed loan application must be submitted by May 31, 2026 and loan proceeds may not be used to refinance or pay off an existing Piedmont Advantage loan. Program, rates, terms and conditions are subject to change without notice. Payment Example: A $27,000 loan at 5.15% APR for 60 months would have required monthly payments of $489.79.
³Following loan closing, $100 will be deposited into your Piedmont Advantage Credit Union Regular Share Savings Account. To be eligible for this offer, a completed auto loan application must be submitted no later than May 31, 2026 and loan proceeds may not be used to refinance or pay off an existing Piedmont Advantage loan. This offer cannot be transferred or combined with any other offer. The value of this reward may constitute taxable income to you. Please consult your tax advisor, as we do not provide tax advice.
4At time of closing, you may select the day of the month your payments will be due, but first payment due date may be no more than 45 days from closing. In months where the selected day of the month does not exist, payment due date will be the last day of the month.
5Maximum term of loan varies based on creditworthiness and amount of loan.
6Maximum amount of loan varies between 85% and 125% of NADA clean retail value for new autos and between 90% and 125% of NADA clean retail value for used autos, depending on creditworthiness, term and value of vehicle.