What a Vacation Loan Can Help Cover
- Honeymoon expenses
- Flights, lodging, and transportation
- Travel packages and reservations
- Other eligible vacation-related expenses
What You Can Expect With People Driven Credit Union’s Vacation Loans
- Fixed interest rates as low as 11.04%¹ APR*
- Borrow up to $30,000
- Terms up to 84 months
- One loan amount and a clear repayment timeline
- Fixed monthly payments
- Local service and support when you have questions
- A straightforward option instead of putting major travel costs on a credit card
Secure a Loan Rate Discount¹
Unsecured Personal Loan Rates as Low As 11.04%¹ APR*
¹Take advantage of a 0.25% discount when you enroll in autopay, already factored into the “as low as” rate. This discount applies to those who set up automatic payments from a People Driven Credit Union checking or savings account.
*APR = Annual Percentage Rate.
Travel Tip: Plan for the “Hidden” Costs
Even well-planned trips come with extras—baggage fees, transportation, meals, activities, and last-minute changes. Building a cushion into your budget (and choosing a repayment plan you’re comfortable with) can help keep your trip fun from takeoff to touchdown.
See What Fits: Compare Personal Loan Rates & Terms
-
Term
(Months)
≤36
37-60
61-72
73-84
APR*
as low as¹
11.04% 13.10% 14.30% 15.30% Rates Effective as of:
11.04% -
Secured Loan
Max Term
(Months)
APR*
as low as
Share Covered 84 5.25% Credit Builder Loan (Max $2,000) 18 13.00% CD Secured Loan (No Money Market, IRA, or Club Accounts) 84 APY + 3.50% Rates Effective as of:
5.25%
Calculate Your Monthly Personal Loan Payment
Monthly Payment
Can you get a personal loan with bad credit?
Absolutely. At People Driven Credit Union, we look beyond your credit score to find a solution that fits your unique needs, considering both your income and credit history.
If approved, you’ll receive funds deposited directly into your checking or savings account. Keep in mind that interest rates are determined by your credit rating.
Frequently Asked Questions
Our ¹Special Loan Rate Discount offers a 0.25% APR reduction when you set up automatic payments (AutoPay) for your loan from a People Driven Credit Union checking or savings account. This discount is already included in the “as low as” rate advertised.
To enroll in AutoPay and receive the discount, please call us at 248-263-4100. A representative will assist you in setting up monthly automatic withdrawals from your PDCU account.
Note: The discount is available only for eligible loans with AutoPay set up from a PDCU account. Terms and conditions may apply.
A personal loan can impact your credit score in several ways:
- Positive Impact: Making on-time payments can improve your credit score.
- Negative Impact: Missing payments or defaulting on the loan can harm your credit score. Additionally, applying for a loan results in a hard inquiry, which may temporarily lower your score.
- Secured Personal Loan: Requires collateral (e.g., a Certificate of Deposit (CD) or savings account). Offers lower interest rates due to reduced risk for the lender.
- Unsecured Personal Loan: Does not require collateral. The interest rate is based on your creditworthiness and may be higher than secured loans.
To check the status of your loan application, contact People Driven Credit Union at 248-263-4100 during business hours or reach out to your assigned loan specialist if you have their contact information. Be ready to verify your identity and share details such as your name, member number, or application number so we can review your application with you.
When you check your status, it is also a good idea to ask whether any additional documents or information are needed to keep your application moving. Review times can vary based on the loan type and the information required, so contacting us directly is the best way to get the most current update on your application.
PDCU offers options for making your loan payment:
Online Banking (MyPDCU Portal & Mobile App)
Step 1: Log into the MyPDCU Online Portal or the MyPDCU mobile app.
Step 2: Select ‘Transfers.’
Step 3: Choose the account from which you want to transfer funds and the loan you wish to pay.
Debit/Credit Card Payments
Call (248) 263-4100 to make a payment using a debit or credit card.
Auto-Transfer Setup
Set up an automatic transfer from your People Driven account to make regular loan payments. You can also attach this auto-payment to your direct deposit. Call us at (248) 263-4100 or visit any of our five branches for assistance.
Payments from Other Financial Institutions
Set up an auto-payment from another financial institution. We’ll provide you with the necessary form to get started. Call us at (248) 263-4100 or stop by any branch.
Mail a Check
You can mail a check payable to People Driven Credit Union to:
24333 Lahser Rd
Southfield, MI 48033
Pay in Person
Make your loan payment in-person at any People Driven Credit Union branch location.
Need Help? We're Here.
Missing a payment or making a late payment can result in fees and damage to your credit score. If you're having trouble making a loan payment, don't hesitate to contact us. People Driven Credit Union is committed to assisting our members, and there are several ways we can help.
Skip-a-Payment
Eligible members can skip one loan payment on eligible loans per calendar year for a fee. Eligible loans include all except Fresh Start Auto Loans, PD Quick Cash Loans, Lines of Credit, Mortgages, Commercial Loans, and Credit Cards, which are excluded from the Skip-a-Payment program. Learn more about the Skip-a-Payment program.
GreenPath Financial Wellness
We have partnered with GreenPath Financial Wellness to help our members get back on track with their finances and credit. Call GreenPath at 877-337-3399 and let them know you're a PDCU member who would like to make an appointment with a representative.
Disclosures
*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.
People Driven Credit Union is an Equal Housing Opportunity Lender NMLS #776727
All other trademarks are the property of their respective owners.
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