FAQ Category: Personal
Can I earn rewards with a Share Secured Credit Card?
Share Secured Credit Cards are designed for credit building and may not include rewards programs. For details on available rewards options, see our Visa Rewards Driven Credit...
Continue ReadingHow can I qualify for an unsecured credit card?
Responsible use of a Share Secured Credit Card—such as making on-time payments and maintaining a low balance—may help you qualify for other PDCU credit card options. Approval is not guaranteed and is subject to credit...
Continue ReadingCan I use my card anywhere?
Yes. Your Share Secured Credit Card can be used anywhere Visa is accepted, including online and in person, subject to your available credit...
Continue ReadingAre there fees or interest charges?
Interest and fees may apply. Please review our Credit Card Disclosures for complete...
Continue ReadingWhat is AutoPay?
AutoPay is a convenient service that automatically withdraws your loan payment each month from your People Driven Credit Union checking or savings account. It helps you stay on track, avoid late fees, and may even qualify you for our ¹Special Loan Rate...
Continue ReadingWhat’s the ¹Special Loan Rate Discount?
Our ¹Special Loan Rate Discount offers a 0.25% APR reduction when you set up automatic payments (AutoPay) for your loan from a People Driven Credit Union checking or savings account. This discount is already included in the “as low as” rate...
Continue ReadingWhat are the benefits of a contactless card?
Contactless cards offer several benefits over traditional cards that require a physical swipe or insertion into a card reader. Some of these benefits include: Speed: Contactless cards can be scanned quickly and easily, resulting in faster and more...
Continue ReadingHow do I apply?
The 2025 Summertime PD Quick Cash Loan application is now closed. For the Summertime Cash Loan, visit Personal Loan Options You can also call us at (248) 263-4100 for...
Continue ReadingIs there a penalty for paying off my loan early?
No. People Driven Credit Union loans have no prepayment penalties, so you can pay off your loan early and save on...
Continue ReadingCan I use these loans for anything?
Yes! Use the funds for vacations, summer camp costs, home improvements, debt consolidation, unexpected bills—whatever helps make your...
Continue ReadingIs there a credit check?
Quick Cash Loan: No credit check is required. Summertime Cash Loan: Yes, standard credit review applies and may affect your interest rate and approval...
Continue ReadingHow quickly can I get the funds?
Quick Cash Loan: Funds may be deposited into your account within minutes after approval. Summertime Cash Loan: Typically funded within 5 business days upon final approval and document...
Continue ReadingDo I need to be a member to apply for the PDCU Summertime Cash Loan?
No! PD Quick Cash applicants must be a member in good standing with a minimum monthly direct deposit of $1,000 for at least the last six consecutive months and meet specific eligibility criteria, which may include no recent loan delinquencies. Approval...
Continue ReadingWho 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...
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...
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