Personal loans for Police
Whether it’s upgrading your car, getting on top of debt or planning a holiday, our personal loans are designed to support you when you need a helping hand.
- Rates from just 10.50% p.a. secured against your PSS
- No penalty for early or lump sum repayments
- Ability to redraw for PSS secured loans
How could PCU help?
Sorting your debt
High-interest debt can hurt your budget. Switching to a lower-rate PCU 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, we'll get you on the road. As a bonus, you could score two months' free car insurance!
Everyday life purchases
From planning a holiday, doing some home renos, through to celebrating milestones, our loans help fund life's big purchases.
What do you need to apply?
It depends on whether your loan will be secured by PSS, but at a minimum, we'll need:
- A recent payslip
- Three months worth of bank statements
- A summary of your current expenses
🚨 Hot Tips
- If you're using PSS as a security have a screenshot ready to attach.
- The more info you provide upfront, the quicker we can give you an answer!
- Fill in the application form in one go - it won't save your progress.
Why choose PCU?
We're here to make a real difference to the financial wellbeing of Police and their families.
By borrowing with PCU, you also give back to your Police family.
We help you make a big life purchase, upgrade your car, or get your debt sorted, and your loan helps us provide competitive savings 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, especially when they have high-interest debt.
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."
"I've always used PCU for a loan because of how easy and fast the process is and how great the consultants are at helping me."
"I'm impressed with the service. The rates are competitive, and I feel like it's keeping things in the family."
The fine print
Normal lending criteria and a $100 establishment fee apply to all new loans.
Why PCU is different
We're member-owned
We're here to help you, wherever you are on your financial journey.
Not-for-profit
100% of our profits are invested back into the benefits we offer our members.
We go the extra mile
We work harder to say yes to members, when other banks say no.