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Express Check

Shop and earn like a cash-buyer. 

Become a Stronger Shopper

Buying a new car is rewarding. Going to the dealership to do that can be overwhelming. That's why we offer an Express Check - a tool that gives you new buying freedom at the dealership. 

As car dealerships try to unload inventory that has piled up on their lots over the last few months, beware of 0% financing they use to lure you in; often with a choice between 0% financing or a rebate. 0% doesn’t get you the rebate and taking the rebate lands you a higher rate than you probably deserve. A lot of the time, it makes the most financial sense to take the rebate and finance your vehicle with a credit union like People’s Trust.

Use Express Check to get pre-approved for a loan allowing you to shop like a cash-buyer, plus save time and stress at the dealership. 


  • Get pre-approved for an auto loan. Apply over the phone, in a branch, or online. 
  • Once you’re approved, simply sign a few papers and pick up your check. If you're not in the area, we can overnight you your check. 


  • Use our Auto Buying Tools to brush up on the basics of car buying before heading to the dealership. 
  • Your loan will not start accruing interest until the check is negotiated giving you 60 days to find your new car.
  • After you agree on a price, fill out the Express Check, and give it to the dealer. 


  • Low rates for cars, trucks, SUVs and vans
  • Option to defer your first payment for up to 90 days 
  • Terms up to 84 months available 
  • GAP and Debt Protection 
  • No prepayment penalty
  • No application fee

Apply Now for an auto loan

*Membership requirements apply. Other exclusions and/or restrictions may apply. Minimum loan amount is $10,000.

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