Why consolidate your debt?
- Save money each pay with smaller repayment amounts
- Pay off your debt faster with a lower rate loan
- Reduce the stress of paying several different loans, and just have the one
Apply online
You'll need 3 months of bank statements and a copy of your payslip as part of your application.
Chat with a lender
We'll be in touch to cover any further information we require to assess your loan.
Get your approval
If your loan is approved, we'll arrange to pay your funds out and you'll be ready to start the journey to being debt-free!
Debt consolidation loans
Secured loans from
12.95% pa
Unsecured loans from
13.95% pa
Bring all of your debt into just one lower-rate loan and you could be left with some extra cash each payday.
- Get a quick decision
- Make early or lump sum payments without penalty
- Borrow up to $40,000 on a vehicle secured loan
Why PCU is different
We're owned by our members
We do what's in their best interest, not what will make us the most money.
Not-for-profit
100% of our profits are invested back into the benefits we offer our members.
We go out of our way
We work hard to help make members better off, especially when banks say no.
A credit union for members of the Defence Force and their families.
We’re owned by our members, which means 100% of our profits go back into improving our services and helping every member become better off.
The fine print
Normal lending criteria and a $100 establishment fee applies to all new loans.