Personal Loan Options
Life happens. Sometimes it’s planned—sometimes it shows up on a Tuesday. People Driven Credit Union offers a range of personal loan options designed to meet different needs and comfort levels: Unsecured Loans, Secured Loans, and PD Quick Cash Loans. Whether you’re looking for a straightforward fixed-payment loan, a lower-rate option backed by your savings, or a faster small-dollar solution for short-term needs, you can choose what fits your situation and your budget.
Unsecured Personal Loan Options
Borrow without using collateral—great for larger expenses when you want predictable monthly payments.
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Unsecured Personal Loans
Personalized service, competitive rates, and flexible financing options tailored to your needs.
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Personal Lines of Credit
A flexible, revolving credit option that allows you to borrow money as you need it, up to a pre-approved limit.
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Everything Loan
The best things in life are free; we’re here for the other stuff.
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Debt Consolidation Loans
Reduce your interest rates, & lower your monthly payments.
PD Quick Cash Options
A small-dollar option for short-term needs, with clear terms and a faster path to funds.
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Quick Cash Loan
No credit checks, no waiting periods, and no application fees. Get money when you need it.
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Valentine's Loan
A short-term PD Quick Cash Loan for Valentine's Day related expenses.
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Holiday Loan
A short-term PD Quick Cash Loan for holiday and seasonal expenses.
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Back-to-School Loan
A short-term PD Quick Cash Loan for Back-To-School expenses.
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Summertime Loan
A short-term PD Quick Cash Loan for to help with summer vacations, backyard upgrades, and those “why-is-my-energy-bill-so-high” surprises.
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Graduation Loan
A short-term PD Quick Cash Loan for to help with job interviews, moving, or celebrating your achievement.
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Tax Relief Loan
A short-term PD Quick Cash Loan that covers everything from tax payments to tax preparation fees.
Secured Personal Loan Options
Use your savings or certificate as collateral to access lower rates while keeping your funds on deposit.
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Home Improvement Loans
Increase your home’s value with a home improvement loan.
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Share Secured Loans
Leverage your savings account with a share secured loan.
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CD Secured Loans
Leverage your existing certificate of deposit savings.
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Credit Builder Loans
Establish or improve your credit with a Credit Builder Loan.
Valentine's Day Loan
January 30 through February 28, 2026
Amounts Up To $2,000 Available in Minutes4
A short-term loan that covers anything to help cover the costs of Valentine's Day.
4“Available in Minutes” refer 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 Valentine's Day Loan 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.
Learn More About Personal Loans
Personal Line of Credit vs. Personal Loan: Understanding the Difference
Whether you have a surprise expense or just need a bit of extra money for......Read More
How to Improve Your Personal Loan Application in 24 Hours
No matter what you need money for, applying for a personal loan can be a......Read More
Avoid the Post-Holiday Debt Hangover: Manage Expenses with Debt Consolidation
The holidays are supposed to come with joy, not a financial hangover. But once the......Read More
What to Use a Holiday Loan For
The holidays are full of joy, family, and fun, but also a few extra expenses.......Read More
Loan Management Links
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Make a Loan Payment
PDCU offers options for making your loan payment.
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Make a Credit Card Payment
Convenient ways you can make a Rewards Driven Credit Card payment at PDCU.
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Skip-A-Payment
Take a Break from Your Loan Payments with PDCU’s Skip-A-Payment Program.
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Manage Your Loan
Use the MyPDCU app or the online banking portal to access and manage your loan details.
