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

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.

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.