Buying a Car

Our Car Loans are for Police employees and can be used to buy your car through a motor vehicle dealer, privately or online.

Benefits of our Car Loans

  • Easy to apply with a fast decision
  • Great interest rates
  • We can give you a pre-approval before you go shopping for a car, so you know exactly how much you can spend - which may also allow you to negotiate a better price for the car
  • Loans come with a Top Up facility*, meaning you can borrow the amount you have already paid off
  • Early or lump sum repayments without penalty, therefore you can reduce the interest that you are charged on the loan
  • Free of charge - Loan Protection Insurance is provided to you covering the outstanding balance of your loan upon your death or total permanent disablement to a capped amount of $75,000 and for members aged under 65 years. All claims are subject to the terms and conditions of the Policy
  • We can secure loans against your Police Superannuation Scheme (PSS) or Government Superannuation Fund (GSF), and for Police Employees, we can secure loans against motor vehicles that are less 10 years old
  • We also offer Unsecured Personal Loans up to a maximum of $5,000

How do I apply?

You may wish to contact our friendly team on 0800 429 000 to discuss your borrowing needs, or complete our Online Loan Application. 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 loans secured 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, Conditions and Loan Agreements.

Need Car Insurance?

Please contact the Police Welfare Fund on 0800 500 122 for a competitive quote.

*Top Up Fees: Loans Fully Secured by PSS or GSF have a fee of $5 per Top Up when complete the Top Up through Mobile and Internet Banking. If you require the Credit Union to complete the Top Up on your behalf or Top Ups for any other types of loans a fee of $10 per Top Up applies.

The Police and Families Credit Union is not a registered bank