How it works
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 pay your funds into your PCU account, and you'll be ready to go!
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
Benefits of a PCU personal loan
- Rates from just 10.50% p.a. secured against your PSS
- Ability to redraw against PSS secured loans
- No penalties for early repayments
Supporting those who serve
We're here to make a real difference to the financial wellbeing of Police and their families.
By investing and saving with PCU, you also give back to the wider Police family.
We pay you competitive saving and investing rates, and your savings help provide competitive rates on loans to help fellow members buy their first home, upgrade their car, or get their debt sorted.
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.
The fine print
Normal lending criteria and a $100 establishment fee apply to all new loans.