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Financial Relief Loan

0% APR Personal Loan* Depending on Direct Deposit Amount & Credit Rating

Apply, Close & Fund 100% Online

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  • Overview
    • 0%*APR for a 12-month personal loan
    • 2%*APR for a 24-month personal loan
    • No payment for 90 days
    • Apply and close online

    We are ready to help with a 0%*APR personal loan.

    We are answering the call to help the community. For a limited time, we are offering a 0% APR personal loan up to $3,750. with no payments for the first 90 days, then 12 easy payments. The loan amount depends on your direct deposit history and credit rating.

    Digital Application

    Take Control of Your Finances.

    • Apply online in minutes and get your money fast
    • Make fixed monthly payments

    Apply from anywhere. Get your money fast.

    A personal loan through People Driven Credit Union can help you take control of your finances.

    The staff is more friendly than any bank. They have a "can do" attitude

    James - Member since 2018
  • Rates

    Rates

    People Matter Most Loan

    Un Secured LoansMax TermRate (APR)
    0% Loan APR12 Month0.00%
    2% Loan APR24 Month2.00%

    APR=Annual Percentage Rate

     

    APR =Annual Percentage Rate

  • FAQs

    Frequently Asked Questions

    credit line allows you to borrow in increments, repay it and borrow again as long as the line remains open. Typically, you will be required to pay interest on borrowed balance while the line is open for borrowing, which makes it different from a conventional loan, which is repaid in fixed installments.  A line of credit will have a set limit in which you will be approved for and you can borrow based off the limit.
    You may also give us a call at 248-263-4100 to speak with the loan department!
    PDCU has partnered with GreenPath Financial Wellness to help our members get back on track with their finances and credit.  Please give GreenPath a call at 877-337-3399 and let them know you’re a PDCU member and would like to make an appointment with a rep!

    Yes!  All eligible loans can be skipped once per the calendar year for a fee of $25.

    Fresh Start Auto Loans, Lines of Credit, Mortgages Commercial Loans and Credit Cards are excluded.

    Skip a Payment
    1. To make a payment via online banking with funds already in your account, please log in and select ‘transfers’. From there please select where you want to transfer from and which loan you would transfer to.
    2. Log into iTalk (telephone teller) and make your payment. Option 3 for payments.
    3. To make a payment with a debit/credit card please (248) 263-4100.
    4. Set up an auto-transfer from your People Driven account or attach an auto payment to your direct deposit that comes into your account. Give us a call at (248) 263-4100 or stop by any of our 5 branches.
    5. Have us set up an auto-payment from your other financial institution. Please give us a call at (248) 263-4100 and we can send you proper form or you may stop by any of our 5 branches.
    6. You may also mail in a check payable to;  People Driven Credit Union 24333 Lahser Rd, Southfield, MI 48033

The money you need, when you need it

We are here to help our members through this difficult time.

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*Disclosures

Personal Loans made by People Driven Credit Union. Your actual rate depends upon credit score, loan amount, loan term, and credit history. The APR ranges from 6.95% to 35.89%. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99.

The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The origination fee ranges from 1% to 6%; the average origination fee is 5.2% (as of 6/5/19 YTD). There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.PeopleDrivencu.org website.

Please review all our policy and disclosures page for more information

Put yourself in the driver’s seat with help from People Driven Credit Union.  Enjoy the added convenience of making your payments with Direct Deposit. * Use of a calculator tool is not a guarantee of credit. 

APR= Annual Percentage Rate