At a glance
- Fixed
- 7.14%7.40% comparison
- Variable
- 7.49%
- Upfront fee
- $195
How it compares
This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Car loan from a bank or lenderLowest advertised rate, fixed or variable | 7.14% | 5.74%Westpac's Car Loan | 6.99%of 42 institutions | 24th lowest of 42 |
Rates
Every rate Police Credit Union Limited publishes for this personal loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed50% LVR | P&I | 7 yrs fixed | - | 7.14% | 7.40% | - |
| Variable | P&I | - | - | 7.49% | - | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 3 Nov 2026 | Fixed, P&I, 7 yrs fixed | 6.99% | 7.14% | up 0.15 |
| 3 Nov 2026 | Variable, P&I | 7.24% | 7.49% | up 0.25 |
Each change is logged the night it appears in the rates Police Credit Union Ltd publishes. See how every lender answered the RBA on the rate tracker.
Fees
2 fees published, grouped by when they're charged.
When you take it out1
- PERSONAL_CREDIT_&_OVERDRAFT_PACKAGE_FEE
is charged for establishing all personal loans with the exception of Personal Loan Line of Credit Whole of pay to PCU Visa Credit Card General Insurance 10 years PCU membership Savings / Investments held with PCU for 3mths or over Former <18yr old Members
$195
When you make a transaction1
- PERSONAL_PROPERTY_SECURITY_REGISTER_FEE
Payable whenever we apply to search or register a security interest to the PPS Register. $8.00 (<7yrs) $25.00 (7yrs or over)
$8
Features
Eligibility and limits
- Minimum age 18
- Minimum balance $20,000
Compare it with others
Put this product through a calculator
Published by Police Credit Union Ltd under the Consumer Data Right, last changed by them on 2 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.