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FAQ Category: Personal Loans Home Improvement

What is the difference between a Home Improvement Loan and a Home Equity Loan?

Home Improvement Loan: Typically, an unsecured personal loan, where you borrow a set amount to fund a home project, with fixed monthly payments and no collateral required. Home Equity Loan: A secured loan that uses the equity in your home as...

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Can I pay off my Home Improvement Loan early?

Yes, People Driven Credit Union allows you to pay off your Home Improvement Loan early without penalties. This can save you money on interest over the life of the...

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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...

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What can I use a personal loan for?

Personal loans can be used for many expenses, including home updates, travel, weddings, major purchases, and other personal projects. Loan use must meet any applicable credit union requirements and approval conditions. Contact us if you would like to...

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

Secured Personal Loan: Requires collateral (e.g., a Certificate of Deposit (CD) 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...

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How do I make a loan Payment?

PDCU offers options for making your loan payment: Online Banking (MyPDCU Portal & Mobile App) Step 1: Log into the MyPDCU Online Portal or the MyPDCU mobile app. Step 2: Select ‘Transfers.’ Step 3: Choose the account from which you want...

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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.

Love my Credit Union – Discount pricing for, Turbo Tax & SimpliSafe Home Security.

Membership Check

Already a Member?
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

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

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.

Membership Check

Already a Member?
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

Membership Check

Already a Member?
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

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

Stop

Construction loans can be complicated, expensive, and unpredictable. They often involve staged funding, contractor coordination, inspections, budget changes, and a lot more stress than people expect. Instead, People Driven Credit Union focuses on options that are often easier to manage, like traditional mortgages for home purchases and home equity solutions for improvements to a home you already own.

People Driven Credit Union does not offer construction loans.

Connect with PDCU’s Mortgage Loan Officer if you need help being talked out of a construction loan.