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FAQ Category: Personal Loans Debt Consolidation

How do I apply for a Debt Consolidation Loan?

You can apply online for a Debt Consolidation Loan at People Driven Credit Union. The application process involves submitting financial information, including your income, credit history, and outstanding debts. At People Driven Credit Union, we help...

How does a personal loan affect my credit score?

A personal loan can impact your credit score in several ways: Positive Impact: Making on-time payments can improve your credit score. Negative Impact: Missing payments or defaulting on the loan can harm your credit score. Additionally, applying...

What can I use a personal loan for?

Personal loans can be used for a variety of purposes, including: Debt consolidation Home improvements Medical expenses Major purchases (e.g., appliances, electronics) Special events (e.g., weddings, vacations) Emergency...

Can I get a personal loan with bad credit?

Yes, it is possible to get a personal loan with bad credit, but it may come with higher interest rates and stricter terms. Consider lenders who specialize in bad credit loans, or use a co-signer to improve your chances of approval and secure better...

What is the difference between a secured and an unsecured personal loan?

Secured Personal Loan: Requires collateral (e.g., a car or savings account). Offers lower interest rates due to reduced risk for the lender. Unsecured Personal Loan: Does not require collateral. The interest rate is based on your creditworthiness...

How do I check the status of my loan application?

You may give us a call at 248-263-4100 to speak with the loan...

How do I make a loan Payment?

To make a payment via online banking with funds already in your account, login to the MyPDCU Online Portal or use the MyPDCU app, and select 'transfers'. Select where you want to transfer from and which loan you would transfer to. To make a...

Calculator Disclaimer Personal Loan Rate

The monthly payment at 8.490% APR for a term of 12 months would require payments of approximately $87.22/month, per $1,000 borrowed. APR=Annual Percentage Rate, subject to change. Rate is based on individual creditworthiness and term of the loan. The use of this calculator does not imply nor guarantee loan terms nor approval of financing.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. People Driven Credit Union does not guarantee their applicability or accuracy in regards to your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Member-only Discount Rewards

Accidental Death & Dismemberment Insurance – PDCU provides $2,000 coverage to members 18-69 for free but op-in is required. Members receive discounts on additional supplemental coverage.

Group pricing on auto, home, life & health insurance.

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PD Quick Cash is available to PDCU members in good standing who’ve had direct deposit for at least six months.

Current Members Apply Here

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Click Apply for PDCU Membership to apply for membership.

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Or explore all personal loan options.

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Careers

What job openings are available at PDCU?
To see current job openings at People Driven Credit Union, visit our Careers page at

https://recruiting.paylocity.com/recruiting/jobs/All/0aa7c916-c7ba-4c11-a75f-a43a80fe0bb1/People-Driven-Credit-Union.
There, you can view open positions, learn about our team culture, and apply online.

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PD Summertime Quick Cash is available to PDCU members in good standing who’ve had direct deposit for at least six months.

Current Members Apply Here

Not a Member Yet?
Click Apply for PDCU Membership to apply for membership.

Apply for PDCU Membership

Or explore all personal loan options.

Explore Personal Loan Options

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PDCU members in good standing may qualify for Back-to-School Cash if they’ve had at least $1,000 in monthly direct deposits for the past six months.

Current Members Apply Here

Not a Member Yet?
Apply for PDCU Membership:

Apply for PDCU Membership

Or explore all personal loan options:

Explore Personal Loan Options

Membership Check

Already a Member?
PDCU members in good standing may qualify with $1,000+ in monthly direct deposits for the past six months. Max two open PD Quick Cash Loans, a 30-day wait between applications, and three total loans (open or closed) in a rolling six months.

Current Members Apply Here

Not a Member Yet?
Apply for PDCU Membership:

Apply for PDCU Membership

Or explore all personal loan options:

Explore Personal Loan Options

FAQ Category: Personal Loans Debt Consolidation

How do I apply for a Debt Consolidation Loan?

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