Personal Loans

PSS Secured

9.50% p.a.

Vehicle secured

12.95% p.a.

Get money for something you’ve had your eye on, consolidate debt, or in case of emergency.

  • Secure your loan against your PSS, GSF or motor vehicle
  • Re-borrow the amount you have already paid off
  • Make early or lump sum repayments without penalty
  • Borrow up to $10,000 on an unsecured loan
Personal loans in detail Apply for a personal loan

Car Loans

Secured car loans

12.95% pa

Get pre-approval whether you’ve found the car you want to buy or are still kicking the tyres.

  • Get pre-approval before you go shopping
  • Buy your car through a dealer, privately or online
  • Make early or lump sum repayments without penalty
Apply for a car loan

Retire Easy (Reverse Mortgage)


5.99% pa

Make the most of your retirement by freeing up some of the cash in your home to spend how you want.

  • Take it as a lump sum(s) or get a regular amount
  • No need for any regular repayments
  • Stay in your home for as long as you want
Reverse Equity Mortgages in detail

Home Loans


5.05% pa

1 year fixed

4.75% pa

  • Secure your home loan up to 80% of the value of the property
  • Borrow against your PSS or GSF to cover the remaining 20% of your loan
Apply for a home loan Free courses for first home buyers

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.

If you are not eligible for the free loan protection insurance, you can apply for standard loan protection insurance through another insurance company.

See terms and conditions.



Fees Personal loan Home loan
Establishment fee $100 $100
Change fee $50 $50
Top up fee when completed by PCU $10 per top up $10 per top up
Top up fee when completed through internet banking $5 per top up N/A

Apply for a loan

You’ll need your:

  • QID if you’re a sworn officer
  • Proof of income
  • Current PSS balance if you’re securing by PSS
  • Your bank account statements for the last 3 months