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Important disclosure

Police Bank Personal Loans

According to Police Bank, refinancing or consolidating loans from other lenders is one of its specialty services. So if you’re stuck with high-interest debt or just looking to borrow for a worthwhile purpose, a Police Bank personal loan is up for grabs below.

Simply compare your options, use our repayment estimator, and then apply.

Calculate repayments

You can borrow for any worthwhile purpose from the latest in big ticket electronics, white goods and household items to holidays, cars, boats and bikes.

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)6.49%

Personal loan comparison rate6.63%

Monthly repayments (approx)$309

Total repayments (approx)$11,140

Total interest repayments (approx)$1,140

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$98

GO TO Police Bank

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$9

For debt consolidation?No

Sponsored No

Telephone131 728

Data accurate as of19/12/2018

GO TO Police Bank

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You can borrow for any worthwhile purpose from the latest in big ticket electronics, white goods and household items to holidays, cars, boats and bikes.

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)9.99%

Personal loan comparison rate10.13%

Monthly repayments (approx)$325

Total repayments (approx)$11,728

Total interest repayments (approx)$1,728

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$98

GO TO Police Bank

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$9

For debt consolidation?No

Sponsored No

Telephone131 728

Data accurate as of19/12/2018

GO TO Police Bank

Hide info -

You can borrow for any worthwhile purpose from the latest in big ticket electronics, white goods and household items to holidays, cars, boats and bikes.

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)12.76%

Personal loan comparison rate12.90%

Monthly repayments (approx)$339

Total repayments (approx)$12,206

Total interest repayments (approx)$2,206

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$98

GO TO Police Bank

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$9

For debt consolidation?Yes

Sponsored No

Telephone131 728

Data accurate as of19/12/2018

GO TO Police Bank

Hide info -

Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. The comparison rate can vary from 5.95% to 17.95%

Overview

Minimum loan amount$8,000

Maximum loan amount$50,000

Minimum term (years)1.5 years

Maximum term (years)7 Years

Personal loan interest rates (base)5.95%

Personal loan comparison rate5.95%

Monthly repayments (approx)$303

Total repayments (approx)$10,943

Total interest repayments (approx)$943

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$0

GO TO Now Finance

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of23/02/2021

GO TO Now Finance

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OurMoneyMarket offer competitive low rates on loans up to $50,000, plus free extra repayments and fee-free redraw facility.

Overview

Minimum loan amount$2,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)7 Years

Personal loan interest rates (base)5.45%

Personal loan comparison rate6.07%

Monthly repayments (approx)$309

Total repayments (approx)$11,134

Total interest repayments (approx)$1,134

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of30/06/2021

GO TO OurMoneyMarket

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Money can be available in your bank account in as little as 60 minutes. Easy online application with low rates, fast approvals, and no early exit fees. Thousands of 5-star customer reviews.

Overview

Minimum loan amount$2,100

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO MoneyMe

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly/Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored Yes

Telephone1300 329 037

Data accurate as of03.03.2021

GO TO MoneyMe

Hide info -

Consolidate your credit cards and other loans into one low monthly repayment with OneDebt. Low rates with approvals typically within 60 minutes. Flexible repayments with no early exit fees. Backed by thousands of 5-star reviews. Must be employed with decent credit history.

Overview

Minimum loan amount$15,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 Years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO OneDebt

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of29/09/2021

GO TO OneDebt

Hide info -

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

What type of loan are you looking for?

Police Bank personal loans – Join & be part of an alternative

Police Bank mainly services the wider police community, but anyone can apply.

As a mutual financial institution, Police Bank is proud to dish out an alternative form of finance. Unlike larger financial institutions, Police bank has no profiteering shareholders to influence how it does business. That means profits find their way back to members in the form of better rates, products, and services.

Use this guide to check out if Police Bank personal loans live up to this promise.

Police Bank personal loans at a glance

  • Loan amounts – Minimum of $5,000
  • Loan terms – Up to 7 years
  • Interest rate type – Variable and fixed rate options available
  • Pros – Joint applications are available if you want to get better terms on your loan. Interest rates are also competitive, and there are fewer fees.
  • Cons – There’s no redraw facility.
  • Best for – Borrowers from the Police and Border Force community or their family and friends who are looking to refinance or consolidate debt or have other worthwhile purposes such as a holiday, debt consolidation, or wedding.

Types of loans offered by Police Bank

If you’re interested in taking out a loan with Police Bank, you may choose from the following options:

  • Unsecured personal loan. Police Bank unsecured loans come with a fixed or variable rate. Fixed rates offer the security of unchanging repayments, so you always know what your budget looks like. On the other hand, variable rates can change. You save if rates go down, but you’ll pay extra if rates rise.
  • Green loan. This option comes with a discounted fixed rate for borrowers who are going green. Approved projects include solar hot water systems, green vehicles, or energy saving white goods.
  • Car loan. Police Bank car loans come with fixed interest rates and are suitable for purchasing a brand new, used, or environmentally friendly vehicle. If the vehicle is to be used as loan security, it has to be under 7 years old.
  • Overdraft credit facility. You can be ready for any unexpected expense with this ongoing line of credit that’s linked to your account. Interest is payable only on the amount you borrow.

A closer look at Police Bank personal loans

  • There are no account keeping fees or early payout penalties. However, there’s an establishment fee of $98 that’s payable as soon as your money is funded. For overdrafts, the establishment fee is $50.
  • You can pay off your Police Bank personal loan using the monthly, fortnightly, or weekly repayment options. Remember, to qualify, you must be able to afford your repayments. Take advantage of our Police Bank personal loan calculator to find a solution that suits your budget.
  • There are no penalty fees or charges for closing your account early, so you can use the extra repayment feature as many times as you like. However, there’s no redraw facility available, so you won’t be able to access any additional repayments you make.

Application requirements

To qualify for a Police Bank personal loan, you’ll need to satisfy the following criteria:

  • Be at least 18 years old
  • Be a permanent Australian resident
  • Have a regular income
  • Be able to make your repayments
  • Have access to an email account or mobile phone
  • Must want to borrow more than $5,000

You’ll also need to provide your Australian driver’s licence or other ID documents. Additionally, bank statements and employment documents may be required.

How to apply online

Completing the online application takes only 10-15 minutes via the following steps:

  • Browse our product table to find the best option for your circumstances, then click “Go to Site.”
  • Fill in the application form and submit it so Police Bank can start the review process.
  • If approved, you sign the contract online.
  • Police Bank then funds you the money, so you can start enjoying your plans, be it a car, holiday or investment.

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