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Whether you want to buy a new or used vehicle, refinance your auto loan from another lender or buyout your existing lease, we make it easy to get or keep the car you want.   

New and Used Auto Loans

  • No variable interest rates, only fixed rates
  • 0.25% rate discount for loans setup on auto-pay
  • Option to select the day of the month your loan payment is due
  • Flexible terms, up to 84 months
  • For new, financing up to 125% of retail value of your vehicle
  • For used, financing up to 135% of NADA book value (clean retail)
  • No set-up or pre-payment fees

Apply Online

Auto Refinance Loan 

  • Refinancing your auto loan may lower your loan payments by getting a better interest rate or adjusting the length of your loan. 

Apply Online

Lease Buyout Loan

  • If you're leasing your vehicle and dread the day this lease ends, our lease buyout loan may help. This loan option lets you buy the vehicle you're currently driving from the leasing company for a predetermined price.

Apply Online

Regardless of your decision, at Piedmont Advantage Credit Union, we put you in the driver's seat to select the best loan options for your budget.

Not ready to apply online but are interested in learning more? Complete this form and a North Carolina member representative will be in touch soon to help you through this process so that you are making the best financial decisions for you and your family.

Auto Loan Inquiry Form

General Information

Frequently Asked Questions

Resources

Check Your Loan Status

If you have applied online or directly with our lending department starting 8/26/2021 and would like to check the status of your loan or to upload requested documents, click below.

New to Piedmont Advantage?

If you live, work, worship or attend school in the North Carolina counties of Bladen, Brunswick, Columbus, Cumberland, Davie, Duplin, Forsyth, Guilford, Iredell, Mecklenburg, New Hanover, Pender and Rockingham or employed by one of our many employer companies, you are eligible to join.

Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the airline industry, Piedmont Advantage Credit Union (PACU) now serves member-owners, who reside, work, worship or attend school in one of the 13 counties it serves in North Carolina or who are employed by one of its many employer companies. These 13 counties are Bladen, Brunswick, Columbus, Cumberland, Davie, Duplin, Forsyth, Guilford, Iredell, Mecklenburg, New Hanover, Pender and Rockingham. A nonprofit cooperative financial institution, PACU has 10 branches throughout its service regions and employs a workforce of over 120.

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