---
title: "Better Car Loan — Police Credit Union Ltd"
description: "Personal Loans from Police Credit Union Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/police-credit-union-ltd/products/Better_Car_Loan
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-24T09:46:03.000+09:30
---

# Better Car Loan — Police Credit Union Ltd

> Personal Loans from Police Credit Union Ltd. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans · POLICE CREDIT UNION LIMITED**

Better Car Loan

## At a glance

- **From:** 6.99% (7.4% comparison)

## Apply

Applications are handled by the provider: [Apply at Police Credit Union Ltd](https://www.policecu.com.au/PCUDocuments/Credit_Application_Form_Car_Loans_Personal%20Loans_&_Credit_Cards.pdf)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 7 years (50% LVR) | 6.99% | 7.4% | — |
| Variable | 7.24% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| PERSONAL_CREDIT_&_OVERDRAFT_PACKAGE_FEE — is charged for establishing all personal loans with the exception of Personal Loan Line of Credit · Discount −$50.00 — Whole of pay to PCU · Discount −$50.00 — Visa Credit Card · Discount −$50.00 — General Insurance · Discount −$50.00 — 10 years PCU membership · Discount −$50.00 — Savings / Investments held with PCU for 3mths or over · Discount −$420.00 — Former <18yr old Members | Upfront | $195.00 |
| 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) | Payment | $8.00 |

## Features

- **Digital banking**
- **Real-time payments (NPP)**
- **PayID**
- **Redraw facility**

## Eligibility

- **Residency status**
- **Minimum age** — 18 years

## Constraints

- **Minimum balance** — $20,000.00

## More information from Police Credit Union Ltd

- [Overview](https://www.policecu.com.au/product-type/car-loans/)
- [Terms & conditions](https://www.policecu.com.au/rates/)
- [Eligibility](https://www.policecu.com.au/rates/)
- [Fees & pricing](https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Personal_Credit_and_Overdraft.pdf)
- [Bundle information](https://www.policecu.com.au/rates/)

## Data provenance

- Published by Police Credit Union Ltd under the Consumer Data Right
- Product ID: `Better_Car_Loan`
- Last updated by the provider: 24 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/police-credit-union-ltd/Better_Car_Loan
- Provider page: https://www.cdrcompare.au/brands/police-credit-union-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000188

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/police-credit-union-ltd/products/Better_Car_Loan) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)