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People Driven Credit Union

Valentine's Day Loan

Up to $2,000

Special runs January 30, 2026 - February 28, 2026

Apply Online

Valentine’s Day Loans for Sweet Moments

Valentine’s Day is fun… until it hits your budget. Between gifts, a night out, travel, or a surprise experience, costs add up fast. People Driven Credit Union (PDCU) is here to help with two options: the PD Quick Cash Valentine’s Day Loan Special and the PDCU Valentine’s Day Loan Special—both designed to help you celebrate without turning February into “Regretuary.” And if you’d rather pay down a higher-interest balance than add to it, these loan options can also help you consolidate or replace higher-rate debt with a clear payoff plan.

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

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

Members Apply Here

Approval requires good standing and six months of direct deposit. Max two open PD Quick Cash Loans, 30-day wait between applications, and three total (open or closed) in a rolling six months.

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

All Others Apply Here

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

 

PD Quick Cash Valentine’s Day 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. Loan amount determined by the total average of the member’s aggregate monthly deposits.

$2,000 Loan Terms:

For a PD Quick Cash Valentine’s Day Loan of $2,000 paid off over 11 months:

Amount Financed: $2,000.00
Processing Fee: $35.00
Payment Guard Insurance: Free
Interest Rate: 9.99% APR*
APR: 13.617% APR*
Payment Every Month: $191.03
Total # of Payments: 11
Total Interest: $101.28
Total of Payments: $2,101.28
Credit Check: No
Application Processing Time: Minutes4

Members Apply Here

Approval requires good standing and six months of direct deposit. Max two open PD Quick Cash Loans, 30-day wait between applications, and three total (open or closed) in a rolling six months.

PDCU
Valentine’s Day Loan Special
– Up to $2,000 –

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

$2,000 Loan Terms:

For a PDCU Valentine’s Day Loan of $2,000 paid off over 11 months:

Amount Financed: $2,000.00
Processing Fee: $0.00
Payment Guard Insurance: N/A
Interest Rate as low as: 10.54%¹ APR*
APR as low as: 10.54%¹ APR*
Payment Every Month: $192.34
Total # of Payments: 11
Total Interest: $115.69
Total of Payments: $2,115.69
Credit Check: Yes
Application Processing Time: 2-5 business days

Apply Online

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

PD Quick Cash Valentine’s Day Loan Key Features:

  • Annual Percentage Rate (APR): 13.617% Benefit from a fixed APR for the term of the loan.
  • 11-Month Term: Manageable repayment period to suit your financial planning.
  • Origination Fee: $35

PD Quick Cash Valentine’s Day Loan Eligibility:

  • Be a member for 6+ months and in good standing
  • 6+ months of direct deposit required
  • Loan amount based on deposits
  • Max 2 open loans; 30-day wait to reapply
  • Limit 3 total loans open or closed) in a rolling 6 months

A PD Quick Cash Valentine’s Day Loan can be used for:

  • Gifts (flowers, jewelry, and yes—chocolate counts)
  • A special dinner or date night
  • Weekend getaways or travel costs
  • A surprise experience (tickets, shows, events)
  • Anything you need to make Valentine’s Day feel special

How to Apply for a PD Quick Cash Valentine’s Day Loan:

  • 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 the Valentine’s Day Loan online.
  • Get Approved Quickly: Our streamlined approval process promptly ensures you get the funds you need.

TruStage™ Payment Guard Insurance

With a PD Quick Cash Valentine’s Day 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 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 Valentine’s Day Loan and TruStage™ Payment Guard Insurance.

Learn more about TruStage™ Payment Guard Insurance.

PD Quick Cash Valentine’s Day 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. Loan amount determined by the total average of the member’s aggregate monthly deposits.

$2,000 Loan Terms:

For a PD Quick Cash Valentine’s Day Loan of $2,000 paid off over 11 months:

Amount Financed: $2,000.00
Processing Fee: $35.00
Payment Guard Insurance: Free
Interest Rate: 9.99% APR*
APR: 13.617% APR*
Payment Every Month: $191.03
Total # of Payments: 11
Total Interest: $101.28
Total of Payments: $2,101.28

Members Apply Here

Approval requires good standing and six months of direct deposit. Max two open PD Quick Cash Loans, 30-day wait between applications, and three total (open or closed) in a rolling six months.

Frequently Asked Questions

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.

Disclosures

*APR = Annual Percentage Rate.

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.

PD Quick Cash Valentine’s Day Loan Special Qualifications

The PD Quick Cash Valentine’s Day Loan Special runs from January 30 through February 28th, 2026, with an Annual Percentage Rate (APR) as low as 13.617%, and a Maximum Annual Percentage Rate (APR) of 28.018%. 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 $191.01, and for a $1,00 loan, the payment is $95.51.

The PD Quick Cash Valentine’s Day Loan is available for amounts up to $2,000 with an interest rate of 9.99%, a maximum Annual Percentage Rate (APR) of 28.018% APR* and a $35 processing fee,

  • Loan Amount: $500 – $1,000 → 9-month term, max 28.018% APR*
  • Loan Amount: $1,001 – $1,500 → 12-month term, max 16.778% APR*
  • Loan Amount: $1,501 – $2,000 → 18-month term, max 12.310% APR*

4Important Information About PD Quick Cash

The PD Quick Cash Valentine’s Day Loan is available only to members in good standing with a qualifying direct deposit of at least $1,000/month for six consecutive months. $35 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.1

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.

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.

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.