We have a great range of Loan products to suit your borrowing needs. To find out more, please contact us here.

Features and Benefits of our Loans

  • Easy to apply with fast decision
  • We have a high approval rate with over 98% of our Personal Loans approved
  • Great interest rates, which means you may pay less for your loan than elsewhere
  • Our Loan Protection Insurance is free*
  • Early or lump sum repayments without penalty, therefore reducing the interest that you are charged on the loan
  • We can secure loans against your Police Superannuation Scheme (PSS) or Government Superannuation Fund (GSF)
  • Secured loans come with a Top Up** facility, meaning you can re-borrow the amount you have already paid off, which is easily accessed through your Internet Banking 24/7
  • We offer unsecured loans up to a maximum of $5,000 over 5 years

Normal lending criteria and a $100 establishment fee applies to all new loans. Click here for a copy of our Terms and ConditionsProspectus and Investment Statement

* Loan protection insurance is provided to you with life or total and permanent disablement insurance to a capped amount of $75,000 free of charge. This insurance policy repays the outstanding balance of the loan (subject to the terms and conditions within the Police and Families Credit Union Group Life Insurance Policy), in the event of your death or total and permanent disability up to the age of 65 years. Upon your 65th birthday the insurance policy ceases even if there is an outstanding balance on your account. The insurance is provided by AIA New Zealand.

**Top Up Fees: Fully Secured Personal Loans by PSS or GSF (1) Flat fee of $5 per top up when completed through Internet Banking, (2) Flat Fee of $10 per top up when completed by Police and Families Credit Union on your behalf. Partially Secured Loans by PSS or GSF and Unsecured Loans have a fee of 1% up to a maximum of $100 of the top up amount.

The Police and Families Credit Union is not a registered bank