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People Driven Credit Union

Summertime Cash Loan Special

Your Summer, With Extra Cash

Special runs July 1, 2025 - August 31, 2025

Start Your Summertime Now!

Whether you’re planning a family road trip, stocking up for a backyard BBQ, or need a little breathing room in your summer budget, the PD Summertime Cash Loan can help make it happen. At People Driven Credit Union, we believe summer should be stress-free, and that includes your finances.

Summertime Loans for Seasonal Expenses

Our People Driven Credit Union Summertime Cash Loan also allows you to consolidate higher-interest debts incurred throughout the year, making your financial situation more manageable as the summer heats up.

For current members in good standing with a minimum direct deposit of $1,000 monthly for at least six consecutive months:

Members Apply Here

For nonmembers or members without a minimum direct deposit of $1,000 monthly for at least six consecutive months:

All Others Apply Here

 

Yellow swimming pool ring floating in blue pool water.

 

Summertime
PD Quick Cash Loan
– Up to $2,000 –

For current members in good standing with a minimum direct deposit of $1,000 monthly for at least six consecutive months. The loan amount is determined by the total average of the member’s aggregate monthly deposits.

– No credit check –
– Cash in minutes if approved4 –

$2,000 Loan Terms:

For a PD Summertime Quick Cash Loan of $2,000 paid off over 11 months:

Amount Financed: $2,000.00
Processing Fee: $15.00
Payment Guard Insurance: Free
APR*: 9.99% APR*
Payment Every Month: $191.03
Total # of Payments: 11
Total Interest: $101.28
Total of Payments: $2,101.28

Members Apply Here

Summertime
Personal Loan
– Up to $30,000 –

For nonmembers or members without a minimum direct deposit of $1,000 monthly for at least six consecutive months. APR and loan term are subject to approval and may be determined upon the borrower’s creditworthiness and the amount borrowed.

– Loans up to $30,000 –
– Flexible terms up to 84 months –

$2,000 Loan Terms:

For a PDCU Summertime Personal Loan of $2,000 paid off over 11 months:

Amount Financed: $2,000.00
Processing Fee: $0.00
Payment Guard Insurance: N/A
APR*: 10.64%¹ APR*
Payment Every Month: $191.45
Total # of Payments: 11
Total Interest: $105.91
Total of Payments: $2,105.91

Apply

PD Summertime Quick Cash Loan Key Features:

  • Maximum Annual Percentage Rate (APR*): 9.99% Benefit from a fixed APR* for the term of the loan
  • 11-Month Term: Manageable repayment period to suit your financial planning
  • Origination Fee: $15

PD Summertime Quick Cash Loan Eligibility:

  • Be a member of People Driven Credit Union for at least six months
  • Have direct deposit set up
  • The loan amount is determined by the member’s deposits

A PD Summertime Quick Cash Loan can be used for:

This special personal loan is designed to help you cover summer expenses without the high rates of a credit card. Use your funds for:

  • Vacation travel or staycations
  • Summer camp or childcare costs
  • Outdoor equipment or gear
  • Home or yard improvements
  • Catching up on bills before fall rolls in

Whatever’s on your summer bucket list, PD Summertime Cash is here to help you check it off.

How to Apply for a PD Summertime Quick Cash Loan:

Apply online in just a few minutes—no need to visit a branch. If approved, funds are typically available within one to two minutes.

  • Check Your Eligibility: Ensure you have direct deposit set up and have been a member for at least six months.
  • Apply Online or on the MyPDCU app: You can apply for a Summertime Loan online.
  • Get Approved Quickly: Our streamlined approval process ensures you receive the funds you need promptly.

TruStage™ Payment Guard Insurance

With a PD Quick Cash Holiday 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 Holiday 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 Holiday Loan and TruStage™ Payment Guard Insurance.

Learn more about TruStage™ Payment Guard Insurance.

PD Summertime Cash Loan Special
– Up to $2,000 –

For current members in good standing with a minimum direct deposit of $1,000 monthly for at least six consecutive months. The loan amount is determined by the total average of the member’s aggregate monthly deposits.

$2,000 Loan Terms:

For a PD Summertime Quick Cash Loan of $2,000 paid off over 11 months:

Amount Financed: $2,000.00
Processing Fee: $15.00
Payment Guard Insurance: Free
APR: 9.99% APR*
Payment Every Month: $191.03
Total # of Payments: 11
Total Interest: $101.28
Total of Payments: $2,101.28

Members Apply Here

Frequently Asked Questions

No. People Driven Credit Union loans have no prepayment penalties, so you can pay off your loan early and save on interest.
Yes! Use the funds for vacations, summer camp costs, home improvements, debt consolidation, unexpected bills—whatever helps make your summer.
  • Quick Cash Loan: No credit check is required.
  • Summertime Cash Loan: Yes, standard credit review applies and may affect your interest rate and approval amount.
  • Quick Cash Loan: Funds may be deposited into your account within minutes after approval.
  • Summertime Cash Loan: Typically funded within 5 business days upon final approval and document signing.
No! PD Quick Cash applicants must be a member in good standing with a minimum monthly direct deposit of $1,000 for at least six consecutive months and meet specific eligibility criteria, which may include no recent loan delinquencies. Approval is not guaranteed and is subject to credit union membership, account history, and other underwriting criteria. There are Personal Loan options available to non-members. However, membership is required to receive the loan funds if approved. 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.
You must be a current People Driven Credit Union member in good standing with a minimum direct deposit of $1,000/month for at least the past three consecutive months. A credit check is not required for this loan.
  • PD Summertime Quick Cash Loan: Up to $2,000, 9.99% APR, no credit check, $15 fee, available only to current members with qualifying direct deposit.
  • PDCU Summertime Cash Loan: Up to $30,000, available to both members and non-members, with credit and membership approval.
It’s a limited-time promotion offering two personal loan options to help with summer expenses. Members can choose between the PD Summertime Quick Cash Loan (no credit check, fast funding) or the PDCU Summertime Cash Loan (a traditional personal loan with higher borrowing limits).

Disclosures

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 set up autopay of their monthly loan payment from a People Driven Credit Union checking or savings account.

*APR = Annual Percentage Rate.

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.

PD Summertime Quick Cash Loan Special Qualifications

The PD Summertime Quick Cash Loan Special runs from July 1, 2025, to August 31, 2025, with an Annual Percentage Rate (APR*) of 9.99%. Members in good standing who receive monthly direct deposits can borrow up to $2,000 (loan amount determined by the total average of the member’s aggregate monthly deposits), with one loan allowed per Social Security number. For a $2,000 loan, the monthly payment is $191.03, and for a $1,000 loan, the payment is $95.52.

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.

New and current members who do not meet the direct deposit criteria are welcome to apply for a regular personal 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.

4Important Information About PD Quick Cash
“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.

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.