Personal Loans for Defence
Sorting debt
High-interest debt like store cards and credit cards can hurt your budget. Switching it over to a lower rate loan can make a real difference. We'll work with you to get it sorted.
Car loans
Whether it's your first car or an upgrade to the family wagon, our vehicle secured loans will get you on the road.
Life Purchases
From planning a holiday or doing some renos to celebrating milestones, our loans help fund life's big purchases.
Supporting those who serve
We're here to make a real difference to the financial wellbeing of NZ Defence Force and their families.
By borrowing with PCU, you also give back to your NZDF family.
We help you to make a big life purchase, upgrade your car, or get your debt sorted, and your loan helps us provide competitive saving and investment rates to help fellow members grow their savings.
We're different from a bank because:
- We're owned by our members and do what's in their best interest, not what will make us the most money.
- 100% of our profits are invested back into into the benefits we offer members.
- We go out of our way to help members and do what we can to make them better off.
Member stories
"I'm truly grateful to the Police Credit Union for helping me during a very stressful time. I urgently needed to consolidate my debts, which they were able to do before Christmas last year. I love the service and would absolutely recommend."
"Nothing is ever a problem. The staff are always helpful and the service is excellent. I've been a member for many years. My wife and great grand-children also have savings accounts and term deposits with the Credit Union."
"I’ve found the Police Credit Union to be the perfect place to squirrel away funds for a rainy day or projects. I've also had a personal loan with them and at the time it was a life saver."
Become a member
Who can join?
All current, former and retired NZDF Personnel, including members of the Regular Force, Territorial Forces, civilian employees and Veterans.
Join online
Fill out our online join form to open an account and become a member. Once you're a member, you're a member for life, and your family are eligible to join us too.
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.