Unsecured Personal Loans for Any Situation
Life’s financial needs are diverse and ever-changing. Whether you’re planning a home renovation, consolidating debt, or building your credit, we offer a variety of personal loan options tailored to meet your unique needs. Our commitment to providing competitive rates, flexible terms, and personalized service ensures that you have the support and resources needed to achieve your financial goals.
Membership and eligibility requirements apply, with approval subject to application and credit considerations.
What You Can Expect With People Driven Credit Union’s Personal Loans
- Apply online in minutes and get your money in as little as a few days
- Fixed interest rates as low as 10.54%¹ APR*
- Fixed monthly payments
- Make fixed monthly payments
- Make payments automatically from any account
- No prepayment penalties
- Loans available up to $30,000
Secure a Loan Rate Discount¹
Unsecured Personal Loan Rates as Low As 10.54%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.
10.54%
See What Fits: Compare Personal Loan Rates & Terms
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Term
(Months)
≤36
37-60
61-72
73-84
APR*
as low as¹
10.54% 12.65% 13.85% 14.85% Rates Effective as of:
10.54% -
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
Loan Amount
$
Annual Percentage Rate (APR)
%
Months
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
Life Situational Loans are available for amounts up to $15,000, based on creditworthiness and eligibility.
Contact a Representative
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How long can I take to repay a Life Situational Loan? Terms are available up to 72 months, depending on the amount financed and approval.
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What can I use a Life Situational Loan for? These loans may be used for eligible expenses tied to major life events, including wedding-related costs and funeral or memorial expenses.
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Can I get a Life Situational Loan with bad credit? Yes. People Driven Credit Union considers more than just your credit score, including your income and credit history. If approved, funds are deposited into your checking or savings account. Interest rates are based on your credit rating.
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What is AutoPay? AutoPay automatically withdraws your loan payment each month from your People Driven checking or savings account. It helps you stay on track and may qualify you for the special loan rate discount. Enrollment is handled by phone at 248-263-4100.
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What is the Special Loan Rate Discount? The special loan rate discount is a 0.25% APR reduction when you set up AutoPay from your People Driven checking or savings account. The discount is already included in the advertised “as low as” rate. Enrollment is handled by phone at 248-263-4100.
Terms are available up to 72 months, depending on the amount financed and approval.
These loans may be used for eligible expenses tied to major life events, including wedding-related costs and funeral or memorial expenses.
You can quickly check your balance in the MyPDCU Mobile App. Just log in, select your Visa® Credit Card account, and you’ll see your current balance along with any past-due amount. Together, this shows your total amount owed.
Members in good standing who have received at least $1,000 in direct deposits each month for the last six consecutive months may qualify. The loan amount you’re eligible for will depend on your account and deposit history, up to a maximum of $2,000 (minimum $500).
No credit check is required for this loan option. Approval is based on your membership status and deposit history.
Loan amounts range from $500 to $2,000. The exact amount you qualify for is determined when you apply.
You can choose from 9-, 12-, or 18-month repayment terms. Payments begin 30 days after loan funding and are set up as automatic transfers for convenience.
Yes. A one-time $35 processing fee applies, regardless of loan amount.
Yes. Members may have up to two active Back-to-School Loans at a time. A 30-day waiting period is required between applications.
Many eligible members see same-day approvals and funding during regular business hours. However, processing times can vary depending on account verification and application volume.
If you don’t qualify for the Back-to-School Cash Loan, People Driven Credit Union offers other personal loan options, including Unsecured Personal Loans, Share Secured Loans, and CD Secured Loans.
When you open a Share Secured Credit Card, you agree to place a certain amount of money in a PDCU savings account as collateral. This deposit is held while the account is open and in good standing. If the account is closed and all balances are paid, the deposit is released back to you.
Yes. Your payment history is reported to major credit bureaus. Making on-time payments and keeping your balance low compared to your limit can help improve your credit profile over time.
Responsible use of a Share Secured Credit Card—such as making on-time payments and maintaining a low balance—may help you qualify for other PDCU credit card options. Approval is not guaranteed and is subject to credit review.
Yes. Your Share Secured Credit Card can be used anywhere Visa is accepted, including online and in person, subject to your available credit limit.
Interest and fees may apply. Please review our Credit Card Disclosures for complete details.
AutoPay is a convenient service that automatically withdraws your loan payment each month from your People Driven Credit Union checking or savings account. It helps you stay on track, avoid late fees, and may even qualify you for our ¹Special Loan Rate Discount.
To enroll in AutoPay, please call us at 248-263-4100 and a representative will assist you with setup.
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.
Contactless cards offer several benefits over traditional cards that require a physical swipe or insertion into a card reader. Some of these benefits include:
- Speed: Contactless cards can be scanned quickly and easily, resulting in faster and more efficient transactions. This can be especially useful in high-traffic retail environments where lines are lengthy.
- Convenience: Contactless cards eliminate the need for physical swiping or insertion, making them particularly useful for people on the go, such as commuters or those running errands.
- Increased security: Contactless cards reduce the risk of fraud by utilizing near-field communication (NFC) technology, which establishes a secure connection between the card and the card reader. Additionally, the risk of card skimming is reduced because a contactless card remains in the cardholder's possession.
- Reduced contact: Because contactless cards can be scanned without physical contact, they can help reduce the spread of germs and bacteria, which is especially important during a pandemic.
- Adoption: Contactless payments are becoming increasingly widespread; it may be more convenient for cardholders to have contactless cards, as many merchants are now accepting them.
Contactless card transactions are generally faster and more convenient than traditional card transactions.
- The 2025 Summertime PD Quick Cash Loan application is now closed.
- For the Summertime Cash Loan, visit Personal Loan Options You can also call us at (248) 263-4100 for assistance.
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 the last 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 six consecutive months. A credit check is not required for this loan.
- PD Quick Cash Summertime Loan: Up to $2,000, 9.99% interest rate, no credit check, $35 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).
Yes, enrolling in autopay may qualify you for a rate discount, reducing the overall cost of your loan. Check with our team for current promotional details.
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:
Follow these steps to enable email notifications:
- Open the Mail app on your iPhone.
- 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.
- To adjust how notifications appear:
- Go to Settings > Apps > Mail > Notifications, then turn on Allow Notifications.
- 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.
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.
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.People Driven Credit Union allows early repayment of Credit Builder Loans with no prepayment penalty.
Once the loan is fully repaid, you’ll have access to the funds in the secured account, and your positive payment history will be reflected in your credit report.
A Credit Builder Loan can still be helpful if you have existing credit but are looking to improve your score. It adds positive payment history to your credit report, which can strengthen your credit profile.
Yes, Credit Builder Loans typically come with an interest rate. The rate can vary depending on your credit history.
The loan amounts for Credit Builder Loans from People Driven Credit Union range from a few hundred up to $2,000.
Missing a payment on a Credit Builder Loan can negatively impact your credit score, as People Driven Credit Union will report late or missed payments to the credit bureaus. It’s important to make all payments on time to build a positive credit history.
Building or improving your credit score with a Credit Builder Loan typically takes several months. Consistent, on-time payments over the loan term will have a positive impact on your credit score. The exact time depends on your starting credit history and the loan’s length.
Yes, a Credit Builder Loan can help improve your credit score as long as you make regular, on-time payments. People Driven Credit Union reports your payment history to the credit bureaus, and positive payment behavior can lead to an increase in your credit score over time.
No, the loan funds are typically held in a secured account and are only accessible once the loan is fully repaid. This structure is designed to help you build credit while also fostering a habit of saving.
When you take out a Credit Builder Loan, the loan amount is held in a secured account (such as a savings account). You make regular payments over the loan term, including interest. Once the loan is fully paid off, you gain access to the funds in the secured account, while your payment history has been reported to the major credit bureaus, helping improve your credit score.
A Credit Builder Loan is ideal for individuals with little to no credit history, those with poor credit who want to improve their score, or anyone looking to establish positive credit habits. It is a great option for first-time borrowers or those looking to rebuild their credit.
A Credit Builder Loan is a small, secured loan designed to help individuals establish or improve their credit score. The loan amount is typically placed in a secure account, and the borrower makes fixed monthly payments over a set term. The lender reports these payments to the credit bureaus, helping build a positive credit history.
A Home Improvement Loan is a personal loan designed to help homeowners finance renovations, repairs, or upgrades to their homes. These loans can be used for various home improvement projects, including remodeling, energy efficiency upgrades, and essential repairs.
You can use a Home Improvement Loan for a wide range of projects, such as:
- Renovating a kitchen or bathroom
- Installing new windows or doors
- Adding a new room or extension
- Upgrading heating, ventilation, or air conditioning systems
- Repairing roofs or plumbing
- Improving energy efficiency with solar panels or insulation
Home Improvement Loans are often unsecured, meaning you don't need to provide collateral like your home or other assets. However, People Driven Credit Union may offer secured loans for larger projects using your home as collateral.
Interest rates on Home Improvement Loans vary based on factors such as your credit score, the loan amount, and the term length. Generally, these loans offer lower interest rates compared to credit cards, but rates can vary between secured and unsecured loans. View all loan rates.
Repayment terms typically range from 12 to 84 months, depending on the loan amount and policies. The term you choose will affect your monthly payment amount and the total interest you pay over time.
To qualify, People Driven Credit Union will typically evaluate factors such as:
- Your credit score and credit history.
- Your income and employment status.
- Your debt-to-income ratio: Good credit and stable income improve your chances of approval and provide better loan terms.
Getting a Home Improvement Loan with bad credit may be possible, but the interest rates are likely to be higher, and the loan terms may be less favorable. If your credit is poor, consider secured loan options or improve your credit before applying.
Home Equity Loans for Borrowers With Bad Credit
A secured loan is a type of loan that requires collateral—such as a home, savings account, vehicle, or other valuable asset—to back the loan. For individuals with bad credit, secured loans, such as a home equity loan or home equity line of credit, can be a helpful option because the collateral reduces the lender’s risk, making approval more likely. By offering security, you may also qualify for better interest rates compared to unsecured loans. Plus, making timely payments on a secured loan can help improve your credit score over time. Keep in mind that if the loan isn’t repaid, the lender can claim the collateral to recover the balance. Talk to a PDCU lender to learn about your options.Improve Your Credit Score to Qualify for a Home Improvement Loan With Bad Credit
Improving your credit score before applying for a home loan can help you qualify for better rates and terms. Start by reviewing your credit report for errors and disputing any inaccuracies. Pay down existing debts, especially high-interest credit cards, and make all payments on time, as payment history is a key factor in your score. Avoid opening new credit accounts before applying for a mortgage, as this can lower your score temporarily. Taking these steps can strengthen your financial profile and increase your chances of securing a favorable home loan.Approval times vary, but People Driven Credit Union can approve and disburse funds within a few days. We strive to provide a quick and efficient loan process so you can get started on your project immediately.
Home Improvement Loans generally offer lower interest rates and fixed monthly payments than credit cards. With a credit card, interest rates can fluctuate, and you may pay more in interest over time if you carry a balance.
Many home improvement projects can increase the value of your home, especially if they enhance its functionality, energy efficiency, or curb appeal. Common value-boosting projects include kitchen and bathroom remodels, new windows, and energy-efficient upgrades.
- Home Improvement Loan: Typically, an unsecured personal loan, where you borrow a set amount to fund a home project, with fixed monthly payments and no collateral required.
- Home Equity Loan: A secured loan that uses the equity in your home as collateral, often offering larger loan amounts and lower interest rates than an unsecured loan.
Yes, People Driven Credit Union allows you to pay off your Home Improvement Loan early without penalties. This can save you money on interest over the life of the loan.
A CD Secured Loan is a type of loan that uses a Certificate of Deposit (CD) as collateral. This allows borrowers to access funds while keeping their CD intact and continuing to earn interest. Since the CD secures the loan, it often comes with lower interest rates.
When you take out a CD Secured Loan from People Driven Credit Union, your Certificate of Deposit (CD) is held as collateral. You borrow an amount that’s usually equal to or less than the value of the CD. You continue to earn interest on the CD during the life of the loan. Once the loan is repaid, you regain full access to your CD.
The benefits of a CD Secured Loan include
- Lower Interest Rates: Because the loan is secured by your CD, the interest rates are typically lower than those of unsecured loans.
- Credit Building: A CD Secured Loan can help you build or improve your credit score through consistent, on-time payments.
- Preservation of Savings: You can access loan funds without breaking your CD and continue to earn interest on it.
A CD Secured Loan can be used for a variety of purposes, such as covering unexpected expenses, making large purchases, or consolidating debt. Since it’s a personal loan, you have the flexibility to use the funds as needed.
The loan amount is typically based on the value of your CD. You can usually borrow up to 100% of the CD’s value.
Yes, your CD continues to earn interest while it’s used as collateral for the loan. This means you benefit from both the loan funds and the interest accumulation on your CD.
If you are unable to repay the loan, the lender may seize the funds in your CD to cover the outstanding loan balance. Defaulting on the loan can also negatively impact your credit score.
People Driven Credit Union has teamed up with GreenPath Financial Wellness to assist our members in improving their finances and credit. To get started, call GreenPath at 877-337-3399, mention that you're a PDCU member, and schedule an appointment with one of their representatives.
Interest rates on CD Secured Loans are generally lower than those of unsecured loans because the loan is backed by collateral. However, the rate may vary depending on the lender, the secured CD's Annual Percentage Yield (APY), and the loan term.
A CD Secured Loan can help you build or improve your credit score if you make on-time payments. People Driven Credit Union will typically report your payment history to the credit bureaus, which can positively impact your credit.
Yes, People Driven Credit Union allows early repayment of CD Secured Loans without penalties. Paying off the loan early can help you save on interest costs and regain full access to your CD.
Repayment terms usually range from 12 to 84 months, but other terms may be available. Your loan term will affect your monthly payments and the total interest you pay over time.
Once you’ve fully repaid the loan, the hold on your CD is lifted, and you regain full control of your Certificate of Deposit. You can withdraw the funds or let the CD continue earning interest until maturity.
Since your CD secures the loan, lenders are often more flexible in approving borrowers with less-than-perfect credit. However, the terms and rates may vary based on your creditworthiness.
A CD Secured Loan requires collateral (your CD), typically resulting in lower interest rates and easier approval. An unsecured loan doesn’t require collateral, so it usually comes with higher interest rates and depends more on your credit score.
A Debt Consolidation Loan is a personal loan that allows you to combine multiple debts, such as credit card balances, medical bills, or other loans, into a single loan with one monthly payment. The goal is to simplify debt management and potentially secure a lower interest rate, reducing the overall cost of your debt.
When you take out a Debt Consolidation Loan, the lender provides you with a lump sum that you use to pay off your existing debts. You then make monthly payments on the new loan over a fixed period, typically with a lower interest rate than what you were paying on your previous debts.
Getting a Debt Consolidation Loan with bad credit is possible, but the terms may be less favorable, with higher interest rates or shorter repayment periods. Improving your credit score before applying can help you secure better loan terms.
You can consolidate a variety of unsecured debts, such as:
- Credit card balances
- Personal loans
- Medical bills
A Debt Consolidation Loan can save you money if you qualify for a lower interest rate than what you currently pay on your debts. However, it’s important to factor in any fees associated with the loan and consider the length of the repayment term, as a longer-term may mean paying more interest over time.
Repayment terms vary but generally range from 12 to 60 months, depending on the loan amount and policies. The term you choose will affect your monthly payment and total interest paid over time.
Interest rates on Debt Consolidation Loans depend on factors like your credit score, income, and the lender’s terms. People Driven Credit Union offers competitive rates, and borrowers with higher credit scores are more likely to qualify for lower rates.
Yes, a Debt Consolidation Loan can help improve your credit score over time, especially if you make on-time payments and reduce your overall credit card balances. However, missing payments or taking on more debt after consolidating could negatively affect your score.
A balance transfer credit card typically offers a low or 0% introductory interest rate for a set period, making it an attractive option for consolidating credit card debt. However, the interest rate may increase significantly if you can't pay off the balance during the introductory period. A Debt Consolidation Loan offers fixed monthly payments and interest rates, providing more stability over the repayment term.
Missing a payment can result in late fees and damage to your credit score. If you’re having trouble making payments, contact People Driven Credit Union.
Yes, People Driven Credit Union allows you to pay off your Debt Consolidation Loan early without penalties. Paying off your loan early can save you money on interest.
- Debt Consolidation: This involves taking out a loan to pay off your existing debts, leaving you with one manageable payment. You are responsible for repaying the full amount of the loan.
- Debt Settlement: Involves negotiating with creditors to reduce the amount of debt you owe, often resulting in a negative impact on your credit score. Debt consolidation, on the other hand, typically helps preserve or improve your credit score.
You can apply online for a Debt Consolidation Loan at People Driven Credit Union. The application process involves submitting financial information, including your income, credit history, and outstanding debts.
At People Driven Credit Union, we help you streamline your debt and get back on track financially. Contact us today to learn more about our Debt Consolidation Loan options or start your application!
Yes, even though the funds in your savings account are being used as collateral, they will continue to earn dividends during the life of the loan.
Most credit card issuers look for a fair to excellent credit score, typically ranging from 580 to 850, depending on the card. Higher scores generally increase your chances of approval and offer better interest rates.
Credit card approval can take anywhere from a few minutes (for online applications) to a couple of business days, depending on the complexity of your financial situation.
There are no application fees or balance transfer fees, but there are a few fees to be aware of:
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Missing a payment can lead to late fees, higher interest rates, and potential harm to your credit score. To avoid this, it’s essential to make at least the minimum payment by the due date each month. Keep in mind that any missed or delayed payments will increase your overall interest costs. Even if you make a partial payment or prepay, you will still need to pay the minimum amount due by the next scheduled due date to keep your account current.
While we may accept late or partial payments, as well as checks or money orders marked "payment in full," doing so will not settle your account or waive any remaining balance.
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.
Your initial credit limit will depend on your credit score, income, and other financial factors. After regular use and responsible payment behavior, many issuers offer credit limit increases over time.
Yes, you can! With People Driven Credit Union's Rewards Driven Credit Card, there are no balance transfer fees. You can reduce the interest you pay by transferring your high-interest credit card balances to a PDCU Rewards Driven Credit Card, all without any additional cost.
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.
Personal loans can be used for a variety of purposes, including:
- Debt consolidation
- Home improvements
- Medical expenses
- Major purchases (e.g., appliances, electronics)
- Special events (e.g., weddings, vacations)
- Emergency expenses
Yes, it is possible to get a personal loan with bad credit, but it may come with higher interest rates and stricter terms. Consider lenders who specialize in bad credit loans, or use a co-signer to improve your chances of approval and secure better rates.
- Secured Personal Loan: Requires collateral (e.g., a car 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.
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.
Using your People Driven Credit Union contactless debit card is quick, secure, and touch-free.
How do I use a contactless card at People Driven Credit Union?
Look for the contactless symbol (sideways Wi-Fi icon) at checkout. Then simply:- Tap your card on the payment terminal where you see the symbol.
- Hold it for a second or two — you’ll hear a beep or see a green light when the payment goes through.
- That’s it! Your card never leaves your hand, adding an extra layer of protection.
Why Contactless is Secure
Your card stays in your hand the entire time. Each tap uses a unique, one-time code so the terminal never sees your full card number. It’s one of the safest ways to pay in stores today.Common Questions
How do I use a contactless card at People Driven Credit Union? Look for the contactless symbol, tap your card, hold for a second, and you’re done. No insert or swipe needed.Get Help from Our Team
Call us at 844-700-7328 during business hours. Our team answers questions about using your contactless card. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.5 Helpful Hints for Using Your Contactless Card
- First, look for the contactless symbol at checkout.
- Next, tap and hold your card near the reader for 1–2 seconds.
- Also, keep your card in your hand the entire time.
- Then, listen for the beep or watch for the green light.
- Finally, contact us at 248-263-4100 if your contactless card is not working.
United Concordia Dental is pleased to serve the dental insurance needs of People Driven Credit Union members and their families.
Many members ask whether PDCU Members Get Discounts on dental insurance, as they want affordable coverage that supports a healthier smile and better overall health.
Do PDCU Members Get Discounts on Dental Insurance?
People Driven Credit Union and United Concordia Dental partner together because we care about your family’s oral health. Good dental care helps your immune system and reduces your risk of illness.Available Dental Plans
You choose from three great options: Concordia Plus MI 20 Series (DHMO), Concordia Plus MI 40 Series (DHMO), or Concordia Flex (FFS). The Concordia Plus plans have no deductibles or annual maximums. Concordia Flex is a fee-for-service plan that gives you more dentist choices.Extra Savings Included
Every plan includes the Davis Vision Discount Program for savings on eye exams, eyewear, and laser vision correction. The plans focus on preventive care so you avoid expensive procedures later.How to Find a Dentist
Locate a participating dentist or check your current dentist here: Search for a Concordia Plus Dentist.What if I Have a Question?
Email United Concordia Dental Customer Service at United Concordia Customer Service or call their toll-free number. After you enroll, visit My Dental Benefits for claim history, eligibility information and more: eligibility information and more.Get Help from Our Team
Call us at 844-700-7328 during business hours. Our team answers questions about dental insurance discounts and helps you enroll. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.5 Helpful Hints for Dental Insurance
- Compare the three plan options to find the best fit for your family.
- Use the dentist search tool before your first visit.
- Choose network dentists to keep costs low.
- Take advantage of Davis Vision discounts on eye care, too.
- Contact us at 248-263-4100 for help choosing dental insurance discounts at PDCU.
How do I view my Love My Credit Union Rewards and member benefits at People Driven Credit Union?
Visit Love My Credit Union Rewards to view all your perks, such as discounts from our partners, and view all the benefits available to members of People Driven Credit Union.How do I view my Love My Credit Union Rewards and member benefits?
Follow these two quick steps to see everything available to you right now:- Go to Love My Credit Union Rewards to explore hundreds of discounts on travel, shopping, dining, entertainment, and more.
- Visit our Member Services page to review all the additional benefits included with your membership.
Popular Perks You Can Enjoy Today
Save on hotels, theme parks, movie tickets, car rentals, and everyday purchases. Many members save hundreds of dollars each year simply by using their free member rewards.Common Questions
How do I view my Love My Credit Union Rewards and member benefits? Visit Love My Credit Union Rewards to view all your perks such as discounts from our partners, and view all the benefits available to members of People Driven Credit Union.Get Help from Our Team
Call us at 844-700-7328 during business hours. Our team helps you access your Love My Credit Union Rewards and explains every member benefit. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.5 Helpful Hints for Using Your Rewards & Benefits
- First, bookmark both links so you can check them easily every month.
- Next, search for discounts in your favorite categories, such as travel or dining.
- Also, show your membership when shopping at partner locations.
- Then, review the full Member Services page for insurance, financial tools, and more.
- Finally, contact us at 248-263-4100 if you need help redeeming any reward or benefit.
this type of loan A 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 the borrowed balance while the line is open, which distinguishes it from a conventional loan, which is repaid in fixed installments.
A line of credit will have a set limit for which you will be approved, and you can borrow based on the limit. Many members ask what a line of credit is when they need flexible access to funds for home improvements, debt consolidation, or unexpected expenses.
What Is a Line of Credit?
A line of credit at People Driven Credit Union is a revolving Home Equity Line of Credit (HELOC). You borrow only what you need up to your approved limit, repay it, and borrow again — just like a credit card but secured by your home.How a HELOC Works.
Enjoy a 10-year draw period with interest-only payments on the amount you use. After the draw period, a 20-year repayment begins. Rates start as low as 6.50% APR and adjust with the Prime Rate. Minimum line is $5,000 with financing up to 100% loan-to-value.Popular Uses for a this type of loan.
Members use their line of credit for home renovations, education costs, debt consolidation, emergencies, or major purchases. You pay interest only on what you borrow, which often saves money compared to a traditional loan.Common Questions
What is a line of credit? This type of loan allows you to borrow in increments, repay it and borrow again as long as the line remains open.Get Help from Our Team
Call us at 844-700-7328 during business hours. Our team explains what a line of credit is and helps you apply. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.5 Helpful Hints
- Understand you only pay interest on the amount you actually use.
- Apply online at our HELOC page for fast pre-approval.
- Keep your home equity strong to qualify for the best rates.
- Consider a line of credit instead of a lump-sum loan when you need flexibility.
- Contact us at 248-263-4100 to learn exactly what a line of credit can do for you.
What should I do if my People Driven Credit Union Visa credit card is lost or stolen?
If your Visa credit card is lost or stolen, contact People Driven Credit Union immediately to report it and protect your account.What to do right away
- Call PDCU as soon as you notice the card is missing on our dedicated Visa credit card line at 800-543-5073
- Request card lock/replacement and review recent transactions.
- Update any recurring payments tied to the old card once replaced.
5 Helpful Hints After Reporting Your Visa Credit Card Lost or Stolen
- Monitor your account daily in the MyPDCU app and report any unfamiliar activity immediately.
- Update all recurring payments (subscriptions, utilities, insurance, online merchants, etc.) with your new card details as soon as it arrives.
- Activate your replacement card right away by calling the number provided on the sticker or contacting Member Services.
- Enable real-time transaction alerts in the app or online banking so you get instant notifications for every charge.
- Contact our Member Center at 248-263-4100 for extra help, fraud-prevention tips, or to discuss additional account protections.
How do I make a payment on my People Driven Credit Union Visa credit card?
You can make your People Driven Visa credit card payment through approved online, mobile, or supported payment channels.Payment options
- Online payment through digital online tools
- Automatic payment setup for monthly due dates
- Phone 844-700-7328 or branch-assisted payment options when needed
Make a Payment Online or in the App
Log into the MyPDCU mobile app or website at my.peopledrivencu.org. Go to the Transfers section. Select your checking or savings account. Then choose your Visa credit card as the destination. You can make one-time payments or set up recurring ones. Most payments post the same business day.Set Up Automatic Payments
We strongly recommend automatic payments (Autopay). You choose the amount and date. Options include minimum payment, full balance, or a fixed amount. This method helps you avoid late fees and protects your credit score. Setup takes just a few minutes in the app or online banking.Common Questions
Can I automate card payments? Yes, recurring payment options are available based on your account setup.Other Ways to Pay
Call our Member Services team at 844-700-7328 during business hours. They can process your payment over the phone. You can also visit any of our branches in Livonia, Southfield, Warren, Ypsilanti, or Romeo. For mailed payments, send your check to People Driven Credit Union, PO Box 984, Southfield, MI 48037.5 Helpful Hints for Making Your Visa Credit Card Payments
- Set up Autopay in the MyPDCU app. It is the easiest way to pay on time every month.
- Submit your payment 1–2 business days before the due date. This gives time for processing.
- Use the mobile app for fast payments anywhere. You only need an internet connection.
- Pay more than the minimum whenever possible. This reduces your interest charges faster.
- Contact us at 248-263-4100 if you need help with payments or your statement.
How do I check my loan application status at People Driven Credit Union?
You can check your loan application status by contacting People Driven Credit Union or your assigned loan specialist. Many members ask how do I check my loan application status because they want fast updates on their progress.How to check the status
- Call PDCU member or loan support at 248-263-4100.
- Have your identifying information ready for verification.
- Ask whether any additional documents are needed to proceed.
Call for Your Status Update
Pick up the phone and dial 248-263-4100 during business hours. Our loan specialists answer right away. Give them your name, application number, or Social Security number. They pull up your file instantly.Prepare for the Call
Have your driver’s license or member number ready. Note any recent emails or letters from us. This speeds up the process so you get answers faster.Common Questions
How long does a review usually take? Timing varies by loan type and application volume, so contact PDCU for your current status timeline.Get Help from Our Team
Call us at 248-263-4100 during business hours. Our team checks your status right away. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.5 Helpful Hints for Checking Your Loan Application Status
- Call early in the day for shorter wait times.
- Write down your application number before you call.
- Ask for an email summary of your current status.
- Check your spam folder for any updates from PDCU.
- Contact us at 248-263-4100 if you need to submit more documents.
How do I access financial counseling at People Driven Credit Union?
Yes, People Driven Credit Union offers access to financial counseling resources through trusted partner services. Many members ask how they can get financial counseling help when facing money challenges.What support is available
- Debt and credit counseling guidance
- Budgeting and financial wellness resources
- Education-focused support for better financial decisions
- Reach out to GreenPath today at 877-337-3399
Available Financial Counseling Services
We connect you with certified counselors. They offer one-on-one sessions about debt management, credit improvement, and budgeting strategies. You learn skills to make smarter financial decisions every day.How to Get Started with Financial Counseling
Contact our Member Center at 248-263-4100. Tell the representative you need financial counseling. They match you with the best partner service for your situation. The process is confidential and supportive.Common Questions
How do I get started? Contact PDCU to connect with the right counseling resource based on your current needs.Get Help from Our Team
Call us at 248-263-4100 during business hours. Our team connects you with financial counseling quickly. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.5 Helpful Hints for Accessing Financial Counseling
- Call during quieter morning hours for faster service.
- Write down your main financial concerns before you call.
- Ask about free or low-cost counseling options first.
- Keep your member number handy for quick verification.
- Contact us at 248-263-4100 anytime you need financial counseling support.
How do I skip a payment at People Driven Credit Union?
People Driven Credit Union may offer skip-a-payment opportunities during eligible periods and for qualifying loans. Many members ask how skipping a payment helps when they need temporary relief.How skip-a-payment works
- Eligibility can depend on loan type and payment history.
- Program windows and terms may vary during the year.
- A fee or additional interest impact may apply.
Skip-a-Payment Requirements
You must be in good standing with all loans current. The $35 fee must be available in your checking or savings account. Most consumer loans qualify. Exclusions include Fresh Start Auto loans, lines of credit, mortgages, commercial loans, credit cards, and several other special loan types.To get started, you can either complete the process through the MyPDCU app, via PDCU’s Online Banking portal or by filling out a Authorization Form and submitting it to any of our branches or mailing it to:
Skip-A-Payment People Driven Credit Union 24333 Lahser Road Southfield, MI 48033Common Questions
How do I know if I qualify? Contact PDCU to confirm current program details, eligibility, and timing.Get Help from Our Team
Call us at 248-263-4100 during business hours. Our team checks your eligibility right away. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.5 Helpful Hints for Skipping a Payment
- Call at least one business day before your payment is due.
- Have your loan number and member number ready.
- Ensure $35 is available in your account for the fee.
- Remember interest still accrues during the skipped month.
- Contact us at 248-263-4100 to confirm your loan qualifies.
How do I make a loan payment at People Driven Credit Union?
You can make a loan payment through People Driven Credit Union using online tools, automatic options, or approved payment channels. Many members ask how to make a loan payment because the options are fast and convenient.Ways to make a loan payment
- Pay through online or mobile banking.
- Set up recurring automatic payments.
- Use approved in-branch or phone-supported options when needed.
Pay Online or in the Mobile App
Log into online banking at my.peopledrivencu.org or open the MyPDCU app. Go to Transfers. Select your checking or savings account as the source. Choose your loan as the destination. Enter the amount and submit.Set Up Automatic Loan Payments
Enroll in AutoPay from your People Driven checking or savings account. This ensures your payment is made on time every month. AutoPay may also qualify you for a 0.25% rate discount on eligible loans. Call to set it up or do it yourself in online banking.Common Questions
Can I set automatic loan payments? Yes. Many members choose auto-pay for consistency and fewer missed payment risks.Other Payment Options
Call Member Services at 844-700-7328 during business hours. They process payments over the phone. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo to pay in person.5 Helpful Hints for Making Your Loan Payment
- Make payments at least one business day before the due date.
- Enroll in AutoPay to never miss a payment and possibly save on interest.
- Use the mobile app for payments anytime and anywhere.
- Keep your loan number handy when calling or visiting a branch.
- Contact us at 248-263-4100 if you need payment arrangements.
Disclosures
Payment Example: Monthly payments of $21.49 for each $1,000 borrowed at 10.49%¹ APR* for 60 months.
*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.
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.
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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