FAQ Category: PD Quick Cash Loan
Who qualifies for the PD Summertime Quick Cash Loan?
You must be a current People Driven Credit Union member in good standing with a minimum direct deposit of $1,000/month for at least the past six consecutive months. A credit check is not required for this loan.
Continue ReadingWhat’s the difference between the two loan options?
PD Quick Cash Summertime Loan: Up to $2,000, 9.99% interest rate, no credit check, $35 fee, available only to current members with qualifying direct deposit. PDCU Summertime Cash Loan: Up to $30,000, available to both members and non-members, with credit and membership approval.
Continue ReadingWhat is the PD Summertime Cash Loan Special?
It’s a limited-time promotion offering two personal loan options to help with summer expenses. Members can choose between the PD Summertime Quick Cash Loan (no credit check, fast funding) or the PDCU Summertime Cash Loan (a traditional personal loan with higher borrowing limits).
Continue ReadingHow can I avoid being kicked out of the app when I receive the security code?
We recommend setting up email notifications on your Apple device so the security code pops up on your screen without opening your email app fully. You can then simply pull down the notification to see the code and enter it without leaving the app. Follow these steps to enable email notifications: Open the Mail app on your iPhone. To receive ...
Continue ReadingWhy is the app kicking me out when I try to apply for PD Quick Cash?
Some members using Apple devices have reported being kicked out of the app when retrieving the security code sent to their email during the PD Quick Cash Loan application process. This happens when members leave the app to check their email for the code, which causes the app to restart. This issue doesn’t seem to affect Android devices. To avoid ...
Continue ReadingCan I apply for the PD Quick Cash Loan without logging into online or mobile banking?
Yes, you can apply through the link on the website, but you will need your account number and zip code for verification. If you don’t know your account number, we recommend using the online portal or the MyPDCU app instead to avoid being locked out.
Continue ReadingHow can I access the loan application through online or mobile banking?
Simply log into your account via online portal or the MyPDCU app and navigate to the loan application section. This process will not ask for your account number and zip code since you’re already verified through your login.
Continue ReadingWhat happens if I get locked out after too many failed attempts?
If you are locked out, the system will prevent you from trying again for 24 hours. To avoid this, it’s best to apply through your online or mobile banking, where no additional verification is needed.
Continue ReadingWhat should I do if I don’t know my account number?
If you don’t know your account number, we recommend applying for the PD Quick Cash Loan through your online portal or the MyPDCU app. Once logged in, you will skip the verification step because you’ve already used two-factor authentication to access your account.
Continue ReadingWhy am I receiving an error when applying for a PD Quick Cash Loan on the website?
If you’re applying for a PD Quick Cash Loan directly from the website, the system requires your account number and zip code to verify your identity. If this information is entered incorrectly five times, you will be locked out for 24 hours.
Continue ReadingCan I apply for a PD Quick Cash Loan over the phone?
PD Quick Cash applications can only be submitted online. To protect your personal information and meet our security standards, phone applications are not permitted. This ensures your privacy and guarantees that all required information is accurately captured.
Continue ReadingWhat should I do if I’m not receiving the validation code during my application?
If you’re having trouble receiving the validation code, it may be due to your device’s operating system. Ensure your phone or computer is running the latest version, as outdated systems can interfere with code delivery. If you’re still not receiving the code, try restarting your device and submitting the request again.
Continue ReadingDo I have to be a PDCU member in order to get a PD Quick Cash loan?
Yes. PD Quick Cash loans are only available for People Driven Credit Union members. Specifically, one must be a member in good standing, with direct deposit set up for at least six months. Member will be defaulted to pay their monthly payments as auto-payments from their account.
Continue ReadingWhy is there a fee?
The origination fee for a PD Quick Cash loan is a one-time cost for convenience and speed. It allows you to secure funds instantly without a traditional credit check. This is particularly beneficial when you need urgent access to funds without the usual wait times or paperwork involved in standard loan processing. It’s designed to be a fast, straightforward solution ...
Continue ReadingWhy a 19.99% interest rate?
The interest rate reflects the unique features of the PD Quick Cash loan, such as no credit check and the ability to get funds immediately. It’s higher because it accommodates the increased risk associated with not performing a credit check. PD Quick Cash is ideal for situations where the convenience and speed of access to funds are priorities, and it’s ...
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