Credit Application - Police Credit Union

Step 1 of 17

I would like to start an application for*
- Home
- Land
- Car
- Bike
- Credit Card
- Personal Loan
- Other
Please specify*
The amount I’d like to borrow is*
My preferred credit card limit is*
Type of loan
Type of loan
Borrowing type*
- New borrowing
- Combined with existing borrowing
Repayment options*
- Monthly
- Fortnightly
- Weekly
Term of loan*
Term of loan*
Address of the property to be purchased (if known)
Street addressAddress line 2SuburbStatePostcode
Details about the vehicle to be purchased (if known)
Vehicle make
Vehicle model
Vehicle year of manufacture
What is the purpose of the loan?

My personal details
Type of application*
- Individual
- Joint
Are you a Police Credit Union member?
- Yes
- No
Member number
Is Applicant 2 a Police Credit Union member?
- Yes
- No
Applicant 2 member number
Are all applicant(s) permanent residents of Australia?*
- Yes
- No
Are you a tax resident of a foreign country?*
- Yes
- No
Is Applicant 2 a tax resident of a foreign country?*
- Yes
- No
What is your country of tax residency?*
Please note you will also need to provide your Tax Identification Number to the lender as part of the application process.
What is your citizen status in your country of tax residency?*
What is Applicant 2's country of tax residency?*
Please note Applicant 2 will also need to provide their Tax Identification Number to the lender as part of the application process.
What is Applicant 2's citizen status in their country of tax residency?*
As you are not a permanent resident of Australia, you will need to speak to one of our friendly lending specialists about your options.

Please call us on 1300 131 844 (if you are outside of Australia, please call +61 8 8208 5761) or you can arrange for a lending specialist to call you at a convenient time.
Have any applicant(s) ever been bankrupt or had any legal proceedings against them*
- Yes
- No
As you have answered ‘yes’ to this question, you will need to speak to one of our friendly lending specialists about your options.

Please call us on 1300 131 844 (if you are outside of Australia, please call +61 8 8208 5761) or you can arrange for a lending specialist to call you at a convenient time.
The credit I am/we are applying for is*
- for personal, household or domestic purposes
- for business purposes

Applicant 1
Applicant 1 - Personal Details
Name*
First name * Middle name Last name *
Other names commonly known by
Date of birth *
Day*
Month*
Year*
As you are under the age of 18, you will not be able to proceed with this application.

If you have any queries please call us on 1300 131 844 (if you are outside of Australia, please call +61 8 8208 5761).
Marital status*
Number of dependants*
Age of dependant #1*
Age of dependant #2*
Age of dependant #3*
Age of dependant #4*
Age of dependant #5*
Age of dependant #6*
Age of dependant #7*
Age of dependant #8*
Age of dependant #9*
Age of dependant #10*
Drivers’ licence number

Applicant 2
Applicant 2 Personal Details
Name*
First name * Middle name Last name *
Other names commonly known by
Date of birth *
Day*
Month*
Year*
As Applicant 2 is under the age of 18, you will not be able to proceed with this application.

If you have any queries please call us on 1300 131 844 (if you are outside of Australia, please call +61 8 8208 5761).
Marital status*
Number of dependants*
Age of dependant #1*
Age of dependant #2*
Age of dependant #3*
Age of dependant #4*
Age of dependant #5*
Age of dependant #6*
Age of dependant #7*
Age of dependant #8*
Age of dependant #9*
Age of dependant #10*
Drivers’ licence number

Applicant 1 - Contact Details
Preferred contact number*
Work phone
Mobile
Email address*
Residential address*
Street addressAddress line 2SuburbStatePostcode
Postal address
Same as residential address
Street addressAddress line 2SuburbStatePostcode
When did you move to your current residential address? *
Month*
Year*
Residential status*
Previous residential address
Street address Address line 2 Suburb State Postcode Country
When did you move to this previous address? *
Month*
Year*
Previous address: residential status*

Applicant 2 - Contact Details
Preferred contact number*
Work phone
Mobile
Email address
Residential address*
Street addressAddress line 2SuburbStatePostcode
Postal address
Same as residential address
Street addressAddress line 2SuburbStatePostcode
When did Applicant 2 move to your current residential address? *
Month*
Year*
Residential status*
Previous residential address
Street address Address line 2 Suburb State Postcode Country
When did Applicant 2 move to this previous address? *
Month*
Year*
Previous address: residential status*

Applicant 1 - Next of Kin (Contact details of nearest relative not living with you)
Full name
Address
Street address Address line 2 Suburb State Postcode Country
Phone
Relationship to you

Applicant 2 - Next of Kin (Contact details of nearest relative not living with you)
Full name
Address
Street address Address line 2 Suburb State Postcode Country
Phone
Relationship to Applicant 2

Applicant 1 - Employment Details
Employment status*
Name of employer*
Address of employer*
Street address Address line 2 Suburb State Postcode Country
Phone number of employer*
Occupation
How long have you been with this employer? *
Year(s)*
Month(s)*
What is your income? *
Enter your gross salary i.e. before tax and ignoring superannuation payments.
What is your income?*
Income Period*
Any additional income?
- Yes
- No
I earn an additional
I earn an additional
Period
Previous employer: Employment status*
Previous employer: Name of employer*
Previous employer: Address of employer*
Street address Address line 2 Suburb State Postcode Country
Previous employer: Phone number of employer*
Previous employer: Occupation
How long were you with this previous employer? *
Year(s)*
Month(s)*

Applicant 2 - Employment Details
Employment status*
Name of employer*
Address of employer*
Street address Address line 2 Suburb State Postcode Country
Phone number of employer*
Occupation
How long have you been with this employer? *
Year(s)*
Month(s)*
What is your income? *
Enter your gross salary i.e. before tax and ignoring superannuation payments.
What is your income?*
Income Period*
Any additional income?
- Yes
- No
I earn an additional
I earn an additional
Period
Previous employer: Employment status*
Previous employer: Name of employer*
Previous employer: Address of employer*
Street address Address line 2 Suburb State Postcode Country
Previous employer: Phone number of employer*
Previous employer: Occupation
How long were you with this previous employer? *
Year(s)*
Month(s)*

Keep going, you're almost there!
Keep going, you're almost there!

Now that we have your basic information you can choose how you'd like to proceed:
1. Choose Continue Now to complete your application online.
2. Select Submit for a callback to complete your application over the phone.
3. Or save your application and continue your application process later.
- Submit for a callback
- Continue Now
Assets & Liabilities
Please tell us about your assets (what you own)
As part of your application, we need to know what your assets are (items of value that you own). We’ve put in some of the most common assets that people own, but feel free to change them by typing over the existing label or add more based on your own personal circumstances.

If you want to add more assets, click on , if you want to remove one, click on .
Asset Value Description Who owns this asset?
Do you or Applicant 2 have an existing credit card? *
Do you have an existing credit card?*
- Yes
- No

Credit card liabilities

If you want to add more credit cards, click on , if you want to remove one, click on .

Card balance	Card limit	Who is responsible for this credit card	Will you still have this credit card after the loan is funded?	Name of Financial Institution or Entity who issued this credit card

Please tell us about your liabilities (what you owe or what you pay)

Just like we need to know what you own, we also need to know what you owe or what you pay (liabilities are payments you make or debts you have). We’ve put in some of the most common assets that people own, but feel free to change them by typing over the existing label or add more based on your own personal circumstances.

Some liabilities may cease after the loan is funded, for example rent payments may not continue if you are applying for an owner occupied home loan.

If you want to add more liabilities, click on , if you want to remove one, click on .

Liability	Balance owed	My repayments are	Frequency	Who is responsible for this Liability	Will you still have this liability after the loan is funded?	Name of Financial Institution or Entity these funds are owed to

Are all of your current credit 'finance' commitments up to date?*
- Yes
- No
As you answered no above, please provide details*
Are all of Applicant 2's current credit 'finance' commitments up to date?*
- Yes
- No
As you answered no above, please provide details*
Best time for a callback

One of our friendly lending specialists will be in contact shortly.
Best day to call
DD slash MM slash YYYY
Enter a suitable time
Of course, if you would like to contact us sooner, please call us on 1300 131 844.
Loan Privacy and Protection of Information Disclosure statement

You must read and agree to the terms and conditions presented below.
Permission*
- I agree that I have read and agree to the terms and conditions presented above in the Loan Privacy and Protection of Information Disclosure statement.

Living Expenses

Please provide as much detail as possible about your relevant living expenses.

Please enter some Living Expenses in some of the rows below.
Owner Occupied Property Expenses
Rates, Body Corp / Strata
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Utilities (Renting / Owner)
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Maintenance
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Investment Property Expenses
Rates, Body Corp / Strata & Land Tax
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Utilities
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Maintenance
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Insurance
Home / Contents / Landlord
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Vehicle (Car, Caravan, Boat, Motorcycle)
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Health Insurance
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Life Insurance
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Income Protection/Other
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Transportation Expenses
Registration
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Petrol & Maintenance
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Tolls / Taxi / Parking / Public Transport / Ride-share eg UBER
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Groceries
Typical Supermarket - Food, Toiletries, Cleaning Products etc
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Clothing & Other Personal Expenses
Clothing, Footwear, Buy Now/Pay Later Purchases, Cosmetics, Hairdressing etc
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Telephone / Internet / Media & Music Subscriptions
Phone / Internet / Mobile
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Pay TV / Netflix / Stan / Spotify etc
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Education
Private / Public Pre-school / School / Tertiary Fees, Books, Levies, Uniforms
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Childcare
Daycare, OSHC / Holiday Care, Nannies
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Medical & Health
Doctor, Dental, Optical, Massage, Chiro, Pharmaceutical etc
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Recreation & Entertainment
Eating out, Alcohol, Tobacco, Gambling, Social, Holidays, Sport, Gym Memberships
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Other
Birthdays, Union Subscriptions, Gifts etc
Expense
Frequency
Total Monthly
Will you still have this expense after the loan is funded?
- Yes
Grand Total
Grand Monthly Total

Protecting your lifestyle and assets
Do you have a CURRENT WILL in place?*
- Yes
- No
- Unsure
Do you have adequate LIFE INSURANCE or INCOME PROTECTION INSURANCE?*
- Yes
- No
- Unsure
Do you have adequate HOME & CONTENTS INSURANCE?*
- Yes
- No
- Unsure
Have you considered Insurance?
Secured Lending Requirements
When obtaining a secured lending product with Police Credit Union you are required to maintain an Insurance Policy on the secured property noting Police Credit Union as an Interested Party. We will require you to provide us a Certificate of Currency (Insurance) annually until the loan is repaid in full.
Did you know Police Credit Union offers Insurance?*
- Yes, I'd like a free no obligation Insurance quote
- No thanks, I do not want a no obligation Insurance quote
Would you like a free no obligation Insurance quote on any of the other products listed below?
- Car Insurance
- Home & Contents Insurance
- Travel Insurance
- Landlord Insurance
- Caravan Insurance
- Boat Insurance
Would you like to opt in to have your car's carbon emissions offset?
By selecting our specific special offer Car Loan, you can opt in to offset your car's estimated carbon emissions for the term of your loan at no extra cost^#. This is available on all cars purchased with this loan, including if you choose an electric car, and emissions are calculated using the National Carbon Offset Standard.

We forward purchase offsets from Canopy Based Nature Solutions, who produce high quality environmental credits to facilitate action on climate change, biodiversity loss and water quality. As a company of Greening Australia, Canopy Nature Based Solutions specialise in science-led projects that restore Australian ecosystems and benefit communities and economies.

#Estimated Car emissions will be offset for the term of the loan.
- Yes, please offset my car's carbon emissions
- No thanks
Changes to your current circumstances
Do you anticipate any changes to your income over the next 12 months?*
- Yes
- No
- Unsure
Please provide further details about how your income might change*
Do you anticipate any changes to your expenditure over the next 12 months?*
- Yes
- No
- Unsure
Please provide further details about how your expenditure might change*
Do you anticipate any changes to your employment over the next 12 months?*
- Yes
- No
- Unsure
Please provide further details about how your employment might change*
Home Loan Fixed Rate Lock Option

Fixed interest rates are subject to change without notice and may change between the time you apply for your loan and the date it settles. The Home Loan Fixed Rate Lock Option allows you to lock in the rate quoted at time of application for up to 90 days after conditional approval until funding, on the terms and conditions set out below. If you are concerned about the rate increasing and seek the assurance of knowing exactly what your repayments will be each month, then this Fixed Rate Lock Option may be for you.
I/we would like to lock in my Fixed Rate Home Loan
- Yes
- No thanks
- I’d like to have more information
Home Loan Fixed Rate Lock Option terms and conditions
Please fill in the locked-in fixed interest rate details:
I wish to lock my fixed home loan rate at %P.A. for (“the locked-in rate”).

If you lock in your rate, your loan application is approved and your loan is funded within the 90 days after the date of conditional approval (“the rate-lock period”), the interest rate will be fixed at no more than the locked-in rate, and for the period, set out above.

If our fixed interest rates decrease before your loan is funded, the interest rate will be fixed at the applicable lower fixed rate on offer.

No Rate Lock Fee is payable by you if the loan is funded within 45 days after conditional approval, or if the loan is not funded.

A Fixed Rate Lock Fee of $600 or 0.15% of the amount of credit (whichever is the higher amount) is payable by you if the loan is funded more than 45 days after conditional approval.

The Rate Lock Fee still applies even if the rate-lock period has expired, there has been no change in our fixed interest rates, our fixed interest rates have decreased and the lower fixed rate is applied to your loan, you borrow a different amount than the amount you’ve applied for, or we agree, at your request, that the interest rate will be different from the locked-in rate (e.g. a variable rate).

Police Credit Union offers a full suite of complimentary products for many of our loans. Please indicate if you would like to receive more information about our additional services from the list below:
Visa Credit Card
Our LOW RATE credit cards are available with any home or investment loan plus they have NO annual, monthly or Visa credit purchase fees.

Visa Credit Cards are provided by Police Credit Union Ltd. Conditions apply.
More info about Visa Credit Card?
- Yes, I would like more info
- No thanks
We’re here to help so please let us know if there is anything else you would like to consider.

Consent to electronic delivery of documents
Your name*
Applicant 1 - consent to electronic delivery of documents*
- Yes
- No
Applicant 2 - consent to electronic delivery of documents*
- Yes
- No
If “Yes” is selected, each Applicant consents to Police Credit Union providing documents to you by:
- sending them to you by email to the email address(es) you have provided to us; or
- making them available for you to download in internet banking and notifying you by email when they are available
The documents we may provide in this way are:
- communications and information we are required to give you;
- if we approve your application, your offer and credit contract (and you agree that we may’sign’ the contract electronically by inserting an electronic signature or simply by providing the document to you in one of the above ways, in which case it will be deemed to have been signed by us); and
- any other document relating to your credit contract, or to any other credit or deposit account you have with us, which the law allows us to provide to you in this way, including statements of account and notices.
If you provide your consent paper documents may no longer be provided to you, you must regularly check internet banking and/or emails for notification from us about documents, and you may withdraw your consent to us giving documents to you by electronic communication at any time.

Loan Privacy and Protection of Information Disclosure statement

To complete your application you must read and agree to the terms and conditions presented below.
Permission*
- I agree that I have read and agree to the terms and conditions presented above in the Loan Privacy and Protection of Information Disclosure statement.

Name*
First name * Middle name Last name *
Phone number*
Best day to call
DD slash MM slash YYYY
Enter a suitable time
Are you a Police Credit Union member?
- Yes
- No
Member number
Email
This field is for validation purposes and should be left unchanged.

Other ways to apply

Arrange a time for us to call you

Arrange a time

Download an application form

Credit Application Form

Once completed you can:

Take it to your local branch
Scan and email the application to [email protected]
Fax it to 08 8208 5660
Post it to:

Police Credit Union
Reply Paid PO Box 6074
Halifax Street PO
ADELAIDE SA 5000

Request a call back

Leave your details and we will endeavour to call you the next business day, however some enquiries may take up to 48 hours.

Name*
First Name Last Name
Phone number*
Email address

Best days to call*
- Monday
- Tuesday
- Wednesday
- Thursday
- Friday
Preferred time to call*
PCU Member No. (optional)

Tell us how we can help…*

Postcode*
Email
This field is for validation purposes and should be left unchanged.

Get in touch

To find out more, speak to our friendly staff:

Call 1300 131 844 during business hours
Email us at [email protected]
Visit a branch

Mail: PO Box 6074 Halifax Street PO, Adelaide SA 5000

If any of your CDR data is incorrect, please contact us. You can also send a Secure Message via the Inbox in Online Banking or the Banking App. We will not charge any fee for requests to correct customer CDR data.

If you have a complaint or an issue, please read about our complaints process here.

Asset	Value	Description	Who owns this asset?

Step 1 of 17

Details about the vehicle to be purchased (if known)

My personal details

As you are not a permanent resident of Australia, you will need to speak to one of our friendly lending specialists about your options.

As you have answered ‘yes’ to this question, you will need to speak to one of our friendly lending specialists about your options.

Applicant 1

Applicant 1 - Personal Details

As you are under the age of 18, you will not be able to proceed with this application.

Applicant 2

Applicant 2 Personal Details

As Applicant 2 is under the age of 18, you will not be able to proceed with this application.

Applicant 1 - Contact Details

Applicant 2 - Contact Details

Applicant 1 - Next of Kin (Contact details of nearest relative not living with you)

Applicant 2 - Next of Kin (Contact details of nearest relative not living with you)

Applicant 1 - Employment Details

Applicant 2 - Employment Details

Keep going, you're almost there!

Assets & Liabilities

Best time for a callback

Loan Privacy and Protection of Information Disclosure statement

Living Expenses

Owner Occupied Property Expenses

Rates, Body Corp / Strata

Utilities (Renting / Owner)

Maintenance

Investment Property Expenses

Rates, Body Corp / Strata & Land Tax

Utilities

Maintenance

Insurance

Home / Contents / Landlord

Vehicle (Car, Caravan, Boat, Motorcycle)

Health Insurance

Life Insurance

Income Protection/Other

Transportation Expenses

Registration

Petrol & Maintenance

Tolls / Taxi / Parking / Public Transport / Ride-share eg UBER

Groceries

Typical Supermarket - Food, Toiletries, Cleaning Products etc

Clothing & Other Personal Expenses

Clothing, Footwear, Buy Now/Pay Later Purchases, Cosmetics, Hairdressing etc

Telephone / Internet / Media & Music Subscriptions

Phone / Internet / Mobile

Pay TV / Netflix / Stan / Spotify etc

Education

Private / Public Pre-school / School / Tertiary Fees, Books, Levies, Uniforms

Childcare

Daycare, OSHC / Holiday Care, Nannies

Medical & Health

Doctor, Dental, Optical, Massage, Chiro, Pharmaceutical etc

Recreation & Entertainment

Eating out, Alcohol, Tobacco, Gambling, Social, Holidays, Sport, Gym Memberships

Other

Birthdays, Union Subscriptions, Gifts etc

Grand Total

Protecting your lifestyle and assets

Have you considered Insurance?

Secured Lending Requirements

Changes to your current circumstances

Home Loan Fixed Rate Lock Option

Consent to electronic delivery of documents