Graduation Loan

We recommend setting up email notifications on your Apple device so the security code pops up on your screen without opening your email app fully. You can then simply pull down the notification to see the code and enter it without leaving the app.
Follow these steps to enable email notifications:

1. Open the Mail app on your iPhone.
2. To receive notifications about replies to emails or threads:
   • When reading an email: Tap the left arrow and tap Notify Me.
   • When writing an email: Tap the Subject field, tap the blue bell in the subject field, and then tap Notify Me.
3. To adjust how notifications appear:
   • Go to Settings > Apps > Mail > Notifications, then turn on Allow Notifications.
4. To customize notification settings for your email account:
   • Go to Settings > Apps > Mail.
   • Tap Notifications and ensure Allow Notifications is turned on.
   • Tap Customize Notifications and choose the settings you want for your email account (e.g., Alerts or Badges).
   • You can also adjust alert tones or ringtones if you turn on Alerts.

If the issue persists, you can try applying through the browser on your phone or using a computer. As a last resort, you can visit one of our branches and use the iPad in the office to complete your application.

Some members using Apple devices have reported being kicked out of the app when retrieving the security code sent to their email during the Holiday Loan application process. This happens when members leave the app to check their email for the code, which causes the app to restart. This issue doesn’t seem to affect Android devices.

To avoid being kicked out of the application process, read How can I avoid being kicked out of the app when I receive the security code?

Yes, you can apply through the link on the website, but you will need your account number and zip code for verification. If you don’t know your account number, we recommend using the online portal or the MyPDCU app instead to avoid being locked out.

Simply log into your account via online portal or the MyPDCU app and navigate to the loan application section. This process will not ask for your account number and zip code since you're already verified through your login.

If you are locked out, the system will prevent you from trying again for 24 hours. To avoid this, it’s best to apply through your online or mobile banking, where no additional verification is needed.

If you don't know your account number, we recommend applying for the PD Quick Cash Loan through your online portal or the MyPDCU app. Once logged in, you will skip the verification step because you’ve already used two-factor authentication to access your account.

If you're applying for a PD Quick Cash Loan directly from the website, the system requires your account number and zip code to verify your identity. If this information is entered incorrectly five times, you will be locked out for 24 hours.

PD Quick Cash application decisions are entirely system-driven to ensure fairness and consistency. While we cannot provide specific reasons for denials, we’re happy to assist you in understanding the next steps or offering advice on improving your chances for future applications.

PD Quick Cash applications can only be submitted online. To protect your personal information and meet our security standards, phone applications are not permitted. This ensures your privacy and guarantees that all required information is accurately captured.

If you're having trouble receiving the validation code, it may be due to your device’s operating system. Ensure your phone or computer is running the latest version, as outdated systems can interfere with code delivery. If you’re still not receiving the code, try restarting your device and submitting the request again.

Yes. PD Quick Cash loans are only available for People Driven Credit Union members. Specifically, one must be a member in good standing, with direct deposit set up for at least three months. Member will be defaulted to pay their monthly payments as auto-payments from their account.

The origination fee for a PD Quick Cash loan is a one-time cost for convenience and speed. It allows you to secure funds instantly without a traditional credit check. This is particularly beneficial when you need urgent access to funds without the usual wait times or paperwork involved in standard loan processing. It's designed to be a fast, straightforward solution for immediate financial needs.

The origination fee varies depending on the loan amount requested:

• Loan Amount $500-$999: Origination Fee $12
• Loan Amount $1000-$1500: Origination Fee $25
• Loan Amount $1501-$2000:  Origination Fee $35

The interest rate reflects the unique features of the PD Quick Cash loan, such as no credit check and the ability to get funds immediately. It's higher because it accommodates the increased risk associated with not performing a credit check. PD Quick Cash is ideal for situations where the convenience and speed of access to funds are priorities, and it's primarily aimed at helping when unexpected expenses arise suddenly.

Using your credit card is a common choice for emergencies. However, the PD Quick Cash offers a structured repayment plan that could potentially have lower interest costs compared to high credit card interest rates, especially if the balance isn't paid off immediately. Additionally, this loan provides a quick, predictable, and fixed repayment plan that helps manage your budget without the variable costs associated with credit card interest.

No. One of the benefits of PD Quick Cash is that it doesn’t involve a traditional credit check, which means it doesn't directly impact your credit score. This can be a great option if you're concerned about maintaining your current credit score while still needing access to emergency funds. Although we do not run credit checks for the PD Quick Cash loan application, we do report payment history to the bureaus in hopes of helping our members repair or begin building credit with on-time payments.