Auto Loan Recapture
Take up to 0.60% APR1 off our already competitive rates. Then take $1002, too. Finance or refinance with a better rate through May 31, 2026.
A Better Rate Starts Here. Now It’s 0.60% APR1 Better.
When you finance with Piedmont Advantage, you’re already getting a competitive rate. Right now, we’re making it even better with a 0.60% APR1 reduction on our auto loans, combining auto-pay savings and a limited-time promotional offer.
Features & Benefits
Lower rates that work harder for you. For a limited time, take advantage of
- 0.25% rate discount with auto-pay
- 0.35% promotional rate reduction through May 31, 2026
Applied to our already competitive rates, so you start ahead.
$100 just for making the move. Close your loan and we’ll deposit $100 into your Piedmont Advantage Regular Share Savings Account for a limited time.2
Flexibility that fits your life.
- Choose your monthly due date3
- Terms up to 84 months4
- Finance up to 125% of your vehicle’s value5
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. Promotional discount of 0.60% off our standard auto loan rates 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. Program, rates, terms and conditions are subject to change without notice. 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.
2Following 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.
3At 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.
4Maximum term of loan varies based on creditworthiness and amount of loan.
5Maximum 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.