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
  • Great interest rates
  • Our Loan Protection Insurance is free*
  • Early or lump sum repayments without penalty, therefore you can reduce the interest that you are charged on the loan
  • We can secure loans against your Police Superannuation Scheme (PSS) or Government Superannuation Fund (GSF)
  • Personal Loans and Home Loans come with a Top Up** facility, meaning you can re-borrow the amount you have already paid off
  • We offer Unsecured Personal 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, Conditions and Loan AgreementsProspectus and Investment Statement

* Loan protection insurance is provided to you on personal loans 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 the age of 65 years 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: Loans Fully Secured by PSS or GSF have a Flat fee of $5 per top up when completed through Internet Banking, or Loans Fully Secured by PSS or GSF, Loans Partially Secured by PSS or GSF, Unsecured Personal Loans and Home Loans have a Flat Fee of $10 per top up when completed by Police and Families Credit Union on your behalf.

The Police and Families Credit Union is not a registered bank