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People Driven Credit Union

PD Quick Cash

Do you have more month than money?

Money in a minute - anytime, anywhere, no credit check.

Get Cash Quick

No credit check. No waiting. No nonsense.

Experience a fast and hassle-free loan process with PD Quick Cash4. Enjoy the benefits of no credit checks, no waiting periods, and no application fees. Get same day approval4 and have the funds promptly deposited directly into your People Driven Credit Union account. PD Quick Cash Loans are exclusively available to People Driven Credit Union members who have had a direct deposit set up for at least six months. Loan amounts range from $500 to $2,000.

Membership and eligibility requirements apply, with approval subject to application. Loan approval depends on members’ good standing, with direct deposit set up for at least six months. Members are permitted to have up to two PD Quick Cash Loans simultaneously; however, a 30-day waiting period is required between loan applications. Members are only allowed three PD Quick Cash Loan products (open or closed) in a rolling six months.

Apply for PD Quick Cash

Receive Your Funds in Under 60 Seconds4

 

Apply for PD Quick Cash

PD Quick Cash Specialty Loans

These limited-time PD Quick Cash Specialty Loans offer an even lower rate than the Original PD Quick Cash Loan.

When life happens, we are here for you.

Whether you need extra cash for college, groceries, an emergency car repair, or anything in between, PDCU is here to help. In under 60 seconds4, you can get money when you need it most deposited directly into your account; no credit check is required!

PD Quick Cash can help you build or repair your credit and is a smart alternative to high-interest loans.

It’s easy to apply for  PD Quick Cash! Do it anytime, anywhere, via online or mobile banking.

Apply for PD Quick Cash

The Deal

  • Loan amounts range from $500-$2,000
  • Repayment terms of 12-24 months based on the amount accepted
  • Loan Origination Fee: $35
  • 19.99% Interest Rate
  • Maximum Annual Percentage Rate (APR): 34.298% (Actual APR may vary from 21.83% – 34.298% estimated range based on loan amount and term).

 

Apply for PD Quick Cash

TruStage™ Payment Guard Insurance

With a PD Quick Cash Loan from People Driven Credit Union, you don’t just get fast access to funds you also get free loan insurance! Our PD Quick Cash Loans now come with TruStage™ Payment Guard Loan Insurance, automatically included at no additional cost to you.

In the event of a covered job loss, TruStage™ Payment Guard Insurance provides a lump sum payment of $500 toward your loan balance, helping to ease your financial burden during challenging times. Stay protected and secure your financial future with a PD Quick Cash Loan and TruStage™ Payment Guard Insurance.

Learn more about TruStage™ Payment Guard Insurance.

 

 

How to apply for PD Quick Cash

In this video, we cover:

  • How to easily apply for PD Quick Cash.
  • The process of instant loan approval and fund deposition.
  • A step-by-step guide on reviewing loan offers and receiving your disclosures via email.

The Advantages

Affordable: Enjoy zero loan application fees and a low loan origination fee due after you are approved and withdrawn from the loan proceeds.

Swift Access: Get quick access to cash when you need it the most.

No Credit Report Required: Apply without the worry of credit checks.

Flexible Borrowing: Borrow between $500 and $2,000 to cover those unforeseen costs.

Easy Repayment: With up to 24 months for repayment, manage your finances at your own pace.

Insured: $500 of relief in the event of a job loss.

The Requirements

  • Member Benefits: Exclusive to our Credit Union members of at least six months with good standing (limited to two loans per member).
  • Convenient: Must have direct deposit, making the process smooth and straightforward.

 

Apply for PD Quick Cash

The Example:

For a PD Quick Cash loan of $500 paid off over 12 months:

Amount Financed: $500.00
Interest Rate: 19.99%
Origination Fee: $35.00
Payment Guard Insurance: Free
APR*: 34.298%
Payment Every Month: $46.31
Total # of Payments: 12
Total Interest: $55.78
Total of Payments: $590.78

The Application

People Driven Credit Union members in good standing, with direct deposit set up for at least six months, are invited to apply online for the PD Quick Cash Loan.

Applications submitted online will receive a decision on the loan approval or denial in minutes.

The funds will be deposited directly into the member’s account within 60 seconds if approved.

The credit report of the PD Quick Cash loan applicant will not be checked. Apply online today.

Members are permitted to have up to two PD Quick Cash Loans simultaneously; however, a 30-day waiting period is required between loan applications. Members are only allowed three PD Quick Cash Loan products (open or closed) in a rolling six months.

Apply for PD Quick Cash

Frequently Asked Questions

To apply for PD Quick Cash, you will need your PDCU account number or Member ID, along with your 5-digit ZIP code, to look up your account. This is a different login process from online banking or the MyPDCU app.

You can find your Member ID in online banking, on your account documents, on your physical membership card, or by contacting People Driven Credit Union directly.

Where to find your Member ID

  • In online banking, under Profile or Account Details

  • On new account paperwork or monthly statements

  • On your physical membership card

  • By calling Member Support at 248-263-4100 or 844-700-7328

Where to find your account number

You can find your account number in online banking or in the MyPDCU app. Select the account you want, scroll down to Details, and look for Account Number.

When entering your account number in the PD Quick Cash application portal, disregard the first four digits shown in digital banking, which are usually 1001.

Important to know

Your Member ID is not the same as your online banking username or password. You cannot use your Member ID to sign in to online banking. Your Member ID also is not the same as your account number. Your Member ID identifies you as a member, while each account you open has its own account number.

If you do not know your account number or Member ID, please log in through online banking or the MyPDCU app to apply, or contact us for help.

Protect yourself from scams by never sharing your Member ID or account number with anyone who contacts you unexpectedly by phone, text, or email. Fraudsters may pretend to be from your credit union to get your personal information. Only share this information when you contact People Driven Credit Union directly through a trusted phone number or official channel.

  • Quick Cash Loan: Funds may be deposited into your account within minutes after approval.
  • Unsecured Personal Cash Loan: Typically funded within 5 business days upon final approval and document signing.
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 PD Quick Cash 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.
PD Quick Cash login screen.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 six 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.

A one-time $35 processing fee applies, regardless of loan amount.

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.

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View more about Personal Loans

The Disclosures

*APR = Annual Percentage Rate.

Loans from $500-$2,000. 19.99% Interest Rate. Actual APR may vary (21.83% – 24.73% estimated range based on loan amount and term).

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

People Driven Credit Union (PDCU) will not accept requests to change the payment transfer method or due date for funded PD Quick Cash loans. By applying for and funding a PD Quick Cash loan, members agree to an automatic loan transfer scheduled 30 days from the loan date.

PDCU Member PD Quick Cash Qualifications

PD Quick Cash Loans are only available for Members of People Driven Credit Union. Members are permitted to have up to two PD Quick Cash Loans simultaneously; however, a 30-day waiting period is required between loan applications. Members are only allowed three PD Quick Cash Loan products (open or closed) in a rolling six months. Maximum of two loans at a time. People Driven Credit Union members in good standing, with a direct deposit set up for at least six months, are invited to apply online for the PD Quick Cash Loan. Online applications will receive an approval or denial decision within minutes. If approved, funds will be deposited directly into the member’s account within 60 seconds. Credit reports will not be checked for PD Quick Cash loan applicants.

4Important Information About PD Quick Cash

The PD Quick Cash Loan is available only to members in good standing with a qualifying direct deposit of at least $1,000/month for six consecutive months. $15 processing fee applies. No credit check is performed for this loan option.

“Same-day approval,” “under 60 seconds,” and “funds promptly” 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. Applicants must be a member in good standing for a minimum of 180 days and meet eligibility criteria, which may include regular direct deposit and no recent loan delinquencies.

Members are permitted to have up to two PD Quick Cash Loans simultaneously; however, a 30-day waiting period is required between loan applications. Members are only allowed three PD Quick Cash Loan products (open or closed) in a rolling six months. Maximum of two loans at a time.

All loans are subject to credit union approval and other terms and conditions. People Driven Credit Union reserves the right to modify or discontinue this product at any time without notice.

New and current members who do not meet the direct deposit criteria are welcome to apply for a regular personal loan. There is no prepayment penalty for this loan. To qualify, borrowers must be the primary account holder, in good standing with PDCU, 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, and joint, business, trustee, conservatorship, and minor accounts are not eligible for this loan. The actual APR and loan term is subject to approval and may be determined upon the borrower’s creditworthiness and the amount borrowed. Rates are effective as of today and are subject to change.

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.