Whether you're in the market for a new or used vehicle, looking to refinance your current auto loan or considering a lease buyout, Piedmont Advantage Credit Union is here to help you get or keep the car you want, hassle-free. 

New and Used Auto Loans

At Piedmont Advantage, we offer competitive fixed rates for both new and used auto loans, ensuring you enjoy the stability of predictable payments. Take advantage of our rate discount when you set-up automatic bill payments, making managing your loan even more convenient.

  • Flexibility on Your Terms - Choose the payment due date that aligns perfectly with your schedule, giving you the control and peace of mind you deserve.
  • Tailored Loan Terms - With loan terms available up to 84 months, we'll collaborate with you to create a timeline that perfectly suits your unique financial situation.
  • More Buying Power - For new vehicles, we can finance up to 125% of the invoice value, and for used cars, we can finance up to 125% of the NADA book value (clean retail).

Click here for current auto loan rates.

And here's the best part. At Piedmont Advantage, there are no hidden setup or pre-payment fees, so you can enjoy a transparent and cost-effective auto loan experience.

Ready to take the first step toward owning the car of your dreams? Our fast and easy online application process makes it a breeze.

Auto Refinance Loan 

Looking to save money on your current auto loan? Consider our auto refinance loan, which could lower your monthly payments by securing a better interest rate or adjusting the loan term. With Piedmont Advantage, you'll experience a seamless application process, and we'll work diligently to provide you with a loan that fits your budget.

Apply online today and see how much you can save by refinancing your auto loan.

Lease Buyout Loan

Don't let the end of your lease bring uncertainty. With our lease buyout loan, you can take control and purchase the vehicle you've been leasing at a predetermined price. Say goodbye to worries about excess mileage or wear and tear charges and embrace the freedom of owning your car outright.

Apply online today and seize the opportunity to own your leased vehicle with a lease buyout loan.

Regardless of your decision, Piedmont Advantage Credit Union empowers you to choose the best loan option for your budget, placing you firmly in the driver's seat. Explore our wide range of auto loan solutions and drive toward a brighter financial future.
Not sure what vehicle you plan to purchase but are interested in becoming pre-approved? Select an appointment type below to schedule a meeting to discuss auto loan pre-approval today.

All loans are subject to credit approval. Rates vary based on loan type, term and creditworthiness.

Check Your Loan Status

If you have applied online or directly with our lending department and would like to check the status of your loan or to upload requested documents, click below.

Shopping for a new car?

Once you have determined how much you would like to spend on your next car, a recommended next step is to decide between buying new, buying used or leasing. Knowing a few of the positives and negatives of each will help you to decide what will be best for you.

New to Piedmont Advantage?

Follow these easy steps to open your membership and new accounts:

  1. Membership begins when you open your Share Savings Account with a minimum deposit of just $5. Upon membership approval, you're set to apply for our premier credit cards, various loan solutions and many other deposit accounts.
  2. If you're not a member and have started or completed an online application, upon receipt of your application, we will follow up with you regarding your membership.
  3. You also may apply for membership or any new account by visiting a branch or calling our Member Relationship Center, 800.433.PACU.

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.

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