Flexi Cash


Interest rate

14.95% pa

  • Borrow money up to a pre-set limit – similar to a credit card.
  • Access the money through your Debit Mastercard or online banking.
  • Maximum limit of $10,000.
  • For Police Employees only.
Apply for Flexi Cash

Rates and Fees.

View all our rates and fees.

Terms and Conditions

View our Terms and Conditions.

Loan Agreements

View all our Loan Agreements.

What is Flexi Cash?

Flexi Cash lets you borrow money up to a pre-set limit—similar to a credit card.

You can borrow as little or as much as you like and pay back what you owe at any time.

Flexi Cash is perfect if you're not sure how much money you need or if you have multiple purchases to make over time, because you only pay interest on your current purchases.

You can make repayments over the minimum amount whenever you want and withdraw on any borrowing you've paid off without having to reapply.

Loan protection insurance

Free for members under 65 whilst they are (or their parents are) employed by New Zealand Police.

You’ll be covered up to $75,000 of the outstanding loan balance upon your death or in case of a permanent disability.

See terms and conditions.


What's the difference between Flexi Cash and a Personal Loan?

With a Personal Loan you borrow a specific sum of money which you then repay back making regular payments of the same amount over a pre-defined term. 

Flexi Cash is more like a credit card where you are given access to a specific amount of money which you can draw down, repay, and draw down again as you choose. Repayments are a minimum payment of 5% of the balance outstanding at the end of each month, due by the 25th of the following month.

How does Flexi Cash compare to a Store Card with interest-free terms?

Even with an interest-free term, you can still end up paying more in interest because of high prevailing interest rates, and it can take almost twice as long to pay it back.

With Flexi Cash you get the benefit of being a cash buyer to negotiate a better price.

Apply for Flexi Cash

You’ll need your:

  • QID if you're a sworn officer
  • Bank account statement from your primary spending account for the last 3 month
  • Proof of income

The fine print

Flexi Cash is available up to a maximum limit of $10,000.

You must be a current Police employee to be eligible to apply for a Flexi Cash limit.

Normal lending criteria and a $15 establishment fee applies to all new Flexi Cash limits.

See terms and conditions