Buying a Car

Our Car Loans are tailored specifically for Police and their families with very competitive interest rates.

Features and Benefits of our Car Loans

  • Easy to apply with a fast decision
  • We don't secure the loan against the car. This gives you the ability to negotiate as a cash buyer and potentially get a better price
  • We offer secured loans against your Police Super 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, this is easily completed through your Internet Banking
  • We offer unsecured loans up to a maximum of $5,000 over 5 years
  • Great interest rates, which means you may pay less for your loan than elsewhere
  • Early or lump sum repayments without penalty, therefore reducing the interest that you are charged on the loan
  • Our Loan Protection Insurance is free*

How do I apply?

You may wish to contact our friendly team on 0800 429 000 to discuss your borrowing needs. Alternatively download and complete a Loan application form and fax to (04) 499 2006 or scan and email to info@policecu.org.nz.

Proof of income is required to accompany your Loan Application and for secured loans against PSS or GSF, we will also need a copy of your latest superannuation valuation. To use your PSS as security, this balance is available at www.pss.superfacts.co.nz alternatively you can call Mercer on 0800 777 243 to arrange a valuation.

A loan establishment fee of 1% up to a maximum of $100. Normal lending criteria applies.

*Loan Protection Insurance is available for personal loans under $60,000 and for members aged under 65 years free of charge. For members that have an active personal loan, their Loan Protection Insurance will cease on their 65th birthday.

Need Car Insurance?

Please contact the Police Welfare Fund on 0800 500 122 for further information.


The Police and Families Credit Union is not a registered bank