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Dealer Rate Sheet
Active as of 09.16.2024
Proposals Valid for 30 Days
New & Used Auto Loans
| A | B | C+ | C | ||
|---|---|---|---|---|---|
| MAX LTV | 120% | 120% | 107% | 80% | |
| Model Year | Term | 720+ | 680-719 | 650-679 | 620-649 |
| 2018-2021 | 60 | 2.25% | 2.74% | 4.74% | 5.99% |
| 66 | 2.59% | 2.84% | 4.84% | 6.09% | |
| 75 | 2.99% | 3.24% | 5.24% | 6.49% | |
| 84 | 3.99% | 4.24% | |||
| 2016-2017 | 66 | 3.25% | 3.75% | 6.00% | 6.75% |
| 75 | 3.75% | 4.25% | |||
| 2015 | 66 | 3.50% | 4.0% | 6.25% | 7.00% |
| 72 | 3.99% | 4.49% | |||
| 2014 | 48 | 3.50% | 4.25% | 6.50% | |
| 60 | 3.99% | 4.74% | 6.99% | ||
| 2012-2013 | 48 | 3.99% | 4.74% | 6.99% | |
| 60 | 4.25% | 5.00% | 7.25% | ||
| 2011 | 48 | 5.75% | 5.99% | 7.75% |
Guidelines
Program Guidelines
Vehicle Must Be for Applicant(s)
Advance Based on MSRP for New and NADA Retail for Used
Valid U.S. issued ID/No work ID’s only socials
Rate based on primary applicant’s Experian FICO Auto
Membership Form and $5 deposit required for applicant and co-applicant
No Commercial, Taxis, Livery, Salvage, Lemon Law or Gray Market Vehicles
Max Mileage: 100,000 Miles
No Businesses, POA’s or Trusts
People’s Gap offered by Allied
No Refinances or Third-Party Trades
Minimum Loan Amount of $7,500 to earn flat fee
Minimum Loan Amount of $5,000
No Uber, Lyft, Turo, Fleet drivers
After-Sell Guidelines
Max Warranty $3,000 (24 months minimum)
Max Gap $1,000
Acquisition fees may apply
People’s CU Gap offered by Allied
Our Loan Specialists
Lisa Camara, Indirect Lending Manager – Main Office: 401.846.8930 Ext. 1278 • [email protected]
Julia Weinand, Indirect Relationship Officer – Cell Phone: 401.924.3326 • [email protected]
Debra Lewis, Indirect Loan Servicer – Main Office: 401.846.8930 Ext. 1228 • [email protected]
Terra Carson, Underwriter – Main Office: 401.846.8930 Ext. 1285 • [email protected]
Lienholder Information
People’s Credit Union
858 West Main Road
Middletown, RI 02842
MA Lienholder Code: C21778
FL Lienholder Code: 251427599
$95.00 VSI
| $200 | $7,500-$9,999 |
|---|---|
| $330 | $10,000-$14,999 |
| $400 | $15,000-$19,999 |
| $475 | $20,000-$24,999 |
| $575 | $25,000-$29,999 |
| $699 | $30,000-$49,999 |
| $775 | Above $45,000 |
| 120 Day Charge Back Applied on All Dealer Flats |
People’s CU Funding Checklist
Please use our checklist to make sure you have everything you need.
Useful Documents
Title Application Forms by State
Additional Forms
Easy forms for your reference
