Debt Consolidation

Our Debt Consolidation Loans are specifically designed for Police and their families. If you are juggling debts then we have a great solution for you - our Debt Consolidation Loan. By combining all your debts into one easy repayment, you could potentially save hundreds or even thousands of dollars in interest costs, and get out of debt faster. Check out our very competitive interest rates.

Debt Consolidation

Feature and Benefits of our Debt Consolidation Loans:

  • Easy to apply with a fast approval
  • Great interest rates which means you may pay less for your loan than elsewhere
  • 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
  • You can make 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

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 alternatively you can call Mercer on 0800 777 243 to arrange a valuation.

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

*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.

The Police and Families Credit Union is not a registered bank