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People Driven Credit Union

Loans

Loan Options

Auto loans, home equity loans, mortgage loans, personal loans, and credit cards. Apply in minutes.

As a member-owned credit union, PDCU exists to serve you, not shareholders. That means when you need a loan, you get competitive rates, straightforward terms, and a team that actually wants to help you succeed. Whether you are financing a vehicle, buying or refinancing a home, covering personal expenses, or putting a rewards credit card to work, we have an option built for your situation. Membership has real advantages here. Our rates are set with members in mind, not margins, and our team is here to help you move quickly when the timing is right.

PDCU loan options

Loan management links

Current loan specials

Summertime Cash Loan Special

Summertime Cash Loan Special

June 1 through July 31, 2026

Amounts up to $2,000 available in minutes4

A short-term loan to help cover summer expenses.

Details

4“Available in minutes” refers to the average time it takes to process applications for eligible members during regular business hours. Actual approval and funding times may vary based on application volume, account verification, and other eligibility requirements.

Approval is not guaranteed and is subject to credit union membership, account history, and other underwriting criteria. The PD Quick Cash Summertime Cash Loan Special is available only to members in good standing with a qualifying direct deposit of at least $1,000/month for the last six consecutive months. $35 processing fee applies. No credit check is performed for this loan option.

Smiling young woman in a used-car sales lot holding up the key to her new car she purchased with an auto loan from People Driven Credit Union.

2026 Auto Loan Special

Own the road for 4.74%1 APR*

Payments as low as $18.75 per $1,000 borrowed†

Same low rate whether you’re buying new, used, or refinancing.

Details

*APR = Annual Percentage Rate. Rate available for qualified borrowers financing new or used cars, trucks, and SUVs, or refinancing an auto loan from another lender. Loan terms up to 72 months. All loans subject to credit approval and membership eligibility.
†Example payment: $18.75 per $1,000 borrowed at 4.74% APR for 60 months.
Loans must close within 30 days of application. People Driven Credit Union is an equal opportunity lender.

Couple happy they received $495 off the closing costs of their Home Equity Line of Credit from People Driven Credit Union.

2026 Home Equity Special

Save up to $495 on eligible home equity lines of credit.

Put your home’s equity to work.

For eligible new home equity lines of credit.

Details

Learn more about loans

Graphic: PD Summertime Cash Loan Special — Keep Your Summer Budget Cool.

PD Summertime Cash Loan Special

Summer expenses can add up fast. Vacation travel, summer camp, childcare, utility bills, home projects, and last-minute plans can all put pressure on your budget. That is why People Driven Credit Union is offering the PD Summertime Cash Loan Special, available June 1, 2026, through July 31, 2026. Eligible members can apply for a fast, short-term Quick Cash option, while ......Read More

Comparison of credit card options PDCU Visa Rewards Driven Credit Card vs. Store Credit Card

PDCU Visa Rewards Driven Credit Card vs. Store Credit Card

When a cashier asks if you want to save a percentage today by opening a store credit card, it can be hard to say no. But before you hand over your information at checkout, it is worth taking a closer look at what you are actually signing up for. The comparison between the PDCU Visa Rewards Driven Credit Card vs. ......Read More

Graphic: 2026 Home Equity Special.

2026 Home Equity Special

Starting May 26, 2026, People Driven Credit Union members can take advantage of a limited-time Home Equity Special and save on the cost of borrowing. Turn Your Home Equity Into Possibility For a limited time, PDCU will waive closing costs up to $495 on a Home Equity Line of Credit, also known as a HELOC, for a primary residence. A ......Read More

Graphic: Secured vs. Unsecured Personal Loans: Which Is Right for Your Situation?

Secured vs. Unsecured Personal Loans: Which Is Right for Your Situation?

When you’re weighing your personal loan options, understanding the difference between secured vs. unsecured personal loans helps you choose confidently. Both can fund goals like consolidating debt, tackling a project, or covering an unexpected bill, but they work differently and suit different situations. Secured vs. Unsecured Personal Loans Learn the difference between secured and unsecured loans and how to choose ......Read More

View more about Home Equity