EasyPeasy Personal Loans
So there’s something you want?
- Car.
- Boat.
- Holiday.
- New kitchen.
Whatever it is, if you need a loan of $1,000 or more, then
you should seriously consider a loan that gives you plenty of flexibility.
You can elect to make your repayments weekly, fortnightly or
monthly, and even make extra repayments. With an EasyPeasy Personal Loan from
Police Credit Union, you get all the flexibility you need.
And, of course, there are no monthly account-keeping fees.
Anyone can apply, and loan approvals are given within 24
hours. It’s EasyPeasy. Applications can be made by visiting one of our
branches, over the phone, via fax or even on the Internet. Whichever suits you.
Read on to find out a little more about a personal loan that
suits your needs. And remember... it’s easy peasy.
Personal loans
We can help you realize your goals while remaining in control
of your finances. That means supplying the best possible personal loan package
for your needs. Have a look at just how flexible a PCU personal loan really
is.
Available credit
Personal loans can be from $1,000 with terms available for up
to 10 years.
Range of interest rates
- Fixed rates from one year to five years.
- Very competitive variable rates.
Payments and extra payments
Payments can be tailored to suit your circumstances, weekly,
fortnightly or monthly.
You can make payments by:
- Payroll.
- Transfers via phone or internet.
- QuickDebit.
- Over-the-counter deposits.
- Posting a cheque.
Extra repayments can be made without penalty, and there is no
fee for paying out the loan early.
No account-keeping fees
- There are no account-keeping fees.
- Loan repayments can be taken directly from your pay,
therefore avoiding transfer fees.
Protection
Loan-protection policies are available to protect against a
death or loss of income.
Competitive policies are available for House & Contents,
and Car Insurance and can be paid by the month at no extra cost.*
Overdraft facility
The overdraft facility is an Access Account with an approved
credit limit. Great for the homemaker for purchasing household items, paying
bills or just to spoil yourself. Attached to a VISA card, we think it’s
better than a credit card because:
- There are no annual card fees.
- Interest rates are variable and competitive.
- You earn interest when your account is in credit.
Available credit
Overdraft limits are available from $500 to $10,000.
Easy funds access
The account can be accessed using all the methods of a
standard S1 RediAccess account.
- Cheque Books.
- VISA Cards.
- EFTPOS facilities.
- Any ATM Australia-wide (except AMEX).
- Ivy Phone Banking.
- PCUnet Internet banking.
- BPAY.®
- QuickDebit.
Payments
The minimum monthly repayment is 5% of the closing balance of
the statement or $20 (whichever is the greater).
Deposits may be made by:
- Payroll.
- Transfers via phone or internet.
- QuickDebit.
- Over-the-counter deposits.
- Posting a cheque.
No account-keeping fees
There are no account keeping fees. Repayments can be taken
directly from your pay, therefore avoiding transfer fees.
Want to know more?
If you have any further questions, or would like to speak to
one of our experienced loan consultants, phone us on 131 844.
All applications are subject to normal
lending criteria. * Police Credit Union Ltd ABN 30 087 651 205 acts as agents
for CGU Insurance Ltd ABN 27 004 478 371. ® Registered to Bpay Pty Ltd ABN
69 079 137 518.
