Loans

We offer a range of loans to suit a variety of needs. As our members are our main priority we offer loans that could help your situation. Loans such as our Commutation Loan and Student Officers Loan are tailored to suit the Police Force, helping young Officers get on their feet, and long serving Officers an opportunity to start their retirement plans early.

Our loans have clear rates, as we do not use representative APR. This means the rate you see is the rate you get, regardless of credit score, and something we are proud to offer.


  • Member Loan
    Our most popular loan, the Member Loan allows you to borrow up to £25,000. This loan has different rate tiers depending on the amount you wish to borrow.
    > Member Loan
  • Student Officers Loan
    Are you in your first two years of service? This loan may be the one for you! This allows you to borrow up to £7,500 at our lowest loan rate of 5.9% APR.
    > Student Officers Loan
  • Christmas Loan
    Our Christmas Loan offers you an alternative way to finance Christmas. Why pay for Christmas using a credit card, when you could use our Christmas Loan?
    > Christmas Loan
  • Commutation Loan
    Are you due to receive your commutation within the next three years? This loan allows you to borrow up to £100,000 or 80% of your entitlement.
    > Commutation Loan
  • Loyalty Loan
    Are you already a good saver? As a credit union, we reward our savers by offering them a lower loan rate with our Loyalty Loan.
    > Loyalty Loan
  • 70+ Loan
    To reward our loyal and longstanding members we offer a 70 Plus Loan. This loan is for members who are aged 70-75 and have been with us for three years or more.
    > 70+ Loan

Rates

Compare our range of loan rates easily on our rates page. The rate you see is the rate you get, no representative APR.


Additional Borrowing

If you have an existing loan with us and want to borrow extra, there are two ways to do it, depending on what suits you. Visit our additional borrowing page for more information.


Life Protection

Our loans come with Life Protection at no added cost. This means that in the event of your death, your loans would be cleared up to the value of £40,000. Terms and conditions apply.


Need help?

If you are experiencing financial difficulty, or are struggling to repay your loan with us, please contact us as soon as possible where a member of our team will be able to assist you.