What is a PD Quick Cash Loan?

PD Quick Cash is a small personal loan exclusively for People Driven Credit Union members. It requires no credit check, no application fee, and funds can be deposited into your PDCU account within 60 seconds of approval. Loan amounts range from $500 to $2,000 with repayment terms of 12 to 24 months.

Who qualifies for a PD Quick Cash Loan?

PD Quick Cash is available exclusively to PDCU members in good standing who have had at least $1,000 per month in qualifying direct deposit for six consecutive months. Members must be the primary account holder, have a valid email and physical address, and be current on all PDCU accounts for the last 90 days. Applicants must be at least 18 years old. Joint, business, trustee, conservatorship, and minor accounts are not eligible.

Does applying for PD Quick Cash affect my credit score?

No. PD Quick Cash does not involve a traditional credit check, so applying does not directly impact your credit score. However, PDCU does report payment history to the credit bureaus, which means on-time payments can help you build or repair credit over time.

How quickly will I receive PD Quick Cash funds?

If approved, funds are deposited directly into your PDCU account within 60 seconds for eligible members during regular business hours. Actual timing may vary based on application volume, account verification, and other eligibility requirements.

What are the fees for a PD Quick Cash Loan?

There is a one-time $35 origination fee regardless of loan amount. There is no application fee. There is no prepayment penalty. The 19.99% interest rate results in a maximum APR of 34.298%, with an estimated actual APR range of 21.83% to 34.298% depending on loan amount and term.

What insurance comes with a PD Quick Cash Loan?

TruStage Payment Guard Insurance is automatically included at no additional cost with every PD Quick Cash Loan. In the event of a covered job loss, it provides a $500 lump sum payment toward your loan balance.

How many PD Quick Cash Loans can I have at one time?

You may have up to two PD Quick Cash Loans simultaneously. A 30-day waiting period is required between applications. You are also limited to three PD Quick Cash Loan products, open or closed, in any rolling six-month period.

Can I apply for PD Quick Cash over the phone?

No. PD Quick Cash applications must be submitted online only, through the MyPDCU app, online banking portal, or the direct application link on the PDCU website. Phone applications are not permitted.

How is the PD Quick Cash Loan payment made?

Payments are automatically deducted from your PDCU account each month. The first payment is scheduled 30 days from the loan date. PDCU does not accept requests to change the payment transfer method or due date after a loan is funded.

Why should I use PD Quick Cash instead of a credit card for emergencies?

PD Quick Cash provides a fixed, structured repayment plan that may have lower total interest costs compared to carrying a credit card balance at a high variable rate. It also includes free TruStage Payment Guard Insurance and helps build your credit history through on-time payment reporting.

Personal Loans

Personal Loan Options

Unsecured, secured, and quick cash personal loan options designed to match your goals, comfort level, and budget

Borrow with confidence

Whether you are covering a major purchase, consolidating expenses, or handling an unexpected bill, People Driven Credit Union offers personal loan options built for real life. Our lineup includes unsecured loans, secured loans, and PD Quick Cash, so you can choose the option that best fits your needs, budget, and comfort level.

From predictable fixed payments to lower-rate secured borrowing and fast access to smaller dollar funds, PDCU gives you flexible ways to borrow with confidence. Explore your options and find the loan that works for where you are now, and where you want to go next.

Membership and eligibility requirements apply, with approval subject to application and credit considerations.

Unsecured personal loan options

Borrow without using collateral. A great fit for larger expenses when you want predictable monthly payments.

PD Quick Cash personal loan options

A small-dollar option for short-term needs, with clear terms and a faster path to funds.

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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Personal Loan Calculator Disclosure: This calculator is for educational and planning purposes only. Results are estimates based on the information you enter and do not guarantee loan approval, loan amount, rate, term, payment amount, or financing. Actual terms may vary based on creditworthiness, loan amount, loan term, collateral value, loan-to-value, and membership eligibility. APR = Annual Percentage Rate. Rates are subject to change. The “as low as” rate shown on this page includes a 0.25% autopay discount for eligible borrowers who set up automatic payments from a People Driven Credit Union checking or savings account. Interest begins accruing when the loan is disbursed, including during any approved no-payment period.

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Disclosures

11.34%

*APR = Annual Percentage Rate: The actual APR and loan term is subject to approval and may be determined upon the borrower’s creditworthiness, the amount borrowed, and the type, value, age, and condition of the collateral offered to secure the loan (when applicable). Rates are effective as of today and are subject to change.

¹Special Loan Rate Discount: Benefit from a .25% reduction when enrolling in our autopay service, which is included in the “as low as” rate advertised. The discount is available to those who setup autopay of their monthly loan payment from a People Driven Credit Union checking or savings account.

Membership Requirement

All accounts and loans require membership at People Driven Credit Union. Membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members. To complete an application for any account or loan, you will need the following information:

A valid Driver’s License, State ID, or Passport with your current address
Your Social Security Number

A Membership Share Savings Account is required to establish membership at People Driven Credit Union. A $5 deposit secures your ownership share in the credit union and unlocks access to our full suite of products and services. This account earns 0.01% APY with a $5 minimum deposit.

People Driven Credit Union is an Equal Housing Opportunity Lender NMLS #776727
All other trademarks are the property of their respective owners.

Personal Loan Options

Borrow with confidence

Unsecured personal loan options

Unsecured Personal Loans

Personal Lines of Credit

Everything Loans

Debt Consolidation Loans

PD Quick Cash personal loan options

Quick Cash Loan

Back-to-School Loan

Summertime Loan

Graduation Loan

Holiday Loan

Valentine's Loan

Tax Relief Loan

Secured personal loan options

Home Improvement

Share Secured

CD Secured

Credit Builder