Personal loans for the Police Family

We aim to help the Police family lead a financially healthier and happier life, that's why we've partnered up with No1 CopperPot Credit Union to make you aware of some of their loans.

No1 CopperPot Credit Union are one of the biggest Police credit unions in the UK offering savings and lending products to meet the needs of the Police family.

No1 CopperPot Credit Union offers a range of loans to help you consolidate existing debt or finance your personal goals, whether it’s a wedding, a new car, or home improvements.

With a No1 CopperPot Credit Union personal loan you can:
  • Choose the type of loan which is right for you
  • Apply online
  • Repay your loan with payroll deduction (available in most UK forces) or Direct Debit
  • Repay the loan at any time fully or partially without charge
You are eligible to apply for a No1 CopperPot Credit Union loan if you:
  • Are a serving or retired Police Officer, Police staff, Police Special, PCSO
  • Are a direct family member of a police member (living at the same address)
  • Are aged 18 or over and a UK resident (all loans must be repaid by your 70th birthday)
  • Are a member of No1 CopperPot Credit Union (you can apply for membership within your loan application if you aren’t already a member). Please note, to become a member of No1 CopperPot Credit Union you must open a Member Account, which is a regular savings account
Types of loans available

Member Loan

Borrow for a range of purposes including for a vehicle, wedding, home improvements, legal or healthcare costs. You can borrow up to £35,000 over a term which suits you, up to a maximum of 90 months. 

Consolidation Loan

Aim to improve your financial position by consolidating any existing debt up to a total of £25,000.

If you refinance any existing debts, you may pay a higher rate of interest or make repayments over a longer term. This means you may pay more interest overall.

Commutation Loan

Put your retirement plans into action up to 24 months before your retirement date. Whether you plan on a second property, home improvements, or buying a campervan, you can borrow up to £50,000 or 50% of your commutation entitlement (whichever is lower).

Repay the interest-only and settle your balance in full once you have retired. A pension forecast is required.

Things to think about


  • All loans are subject to affordability and No1 CopperPot Credit Union's lending criteria.
  • Missed repayments could negatively impact your credit file.
  • Life Protection is included with all No1 CopperPot Credit Union personal loans and covers you up until your 70th birthday. This does not cost you anything, it is simply another benefit of borrowing with the Credit Union. Loans are protected up to £40,000 per member. All benefits are paid at the discretion of the Board of Directors. Life Protection is not an insurance policy and is not guaranteed.
Important things you need to know

PMGI Limited will receive an introduction fee from No1 CopperPot Credit Union of 2% of the gross loan amount when the loan is paid into your nominated bank account.

PMGI Limited, trading as Police Mutual acts as an introducer for Number One Police Credit Union Limited who provide a range of consumer loan products for members. This introduction is not regulated by the Financial Conduct Authority.

No1 CopperPot Credit Union is a trading name of Number One Police Credit Union Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number  213301.  Registered number IP000078.  Registered office: Slater House, Oakfield Road, Cheadle Royal Business Park, Cheadle, Cheshire SK8 3GX.

PMGI Limited, trading as Police Mutual, is registered in England and Wales, company number 1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB.