Empowering members through financial support

Comprises Easi-Loan, Hundred-Percent Loan, The Millennium Loan, Gratuities Loan and Special Self-Insured Scheme.


This short-term loan scheme allows you to use your net savings (savings less loan) as the collateral when you need to apply loans from Police Co-op.

You can opt to repay the loan in full upon the expiry of the loan or offset the loan against your savings within a repayment period of one to three months.

Hundred-Percent Loan

Similar to the Easi-Loan scheme except for a longer repayment period and monthly deductions from pay packet are required.

Repayment ranges from 12 to 60 months. Two instalments will be deducted upfront upon the approval of the loan.

The Millennium Loan

Enjoy loans from $500 to up to 6 times of your monthly salary with repayment options ranging from 6 to 60 months.

Repayments are based on monthly, instalments deducted from your pay packet. Two instalments will be deducted upfront upon the approval of the loan.

Gratuities Loan

This is a loan scheme applicable only for members who are due to retire in 6 months’ time under the pension scheme.

Under this scheme, the minimum and maximum loan amount is $5,000 and $50,000 respectively.

Repayment to be made by issuance of a post-dated cheque made payable to “The Singapore Police Co-operative Society Ltd” at the time of loan application.

Special Self-Insured Scheme

An exception loan granted on a case-by-case basis to members who require a loan that exceeds their loan quantum applicable under the Millennium Loan Scheme

Last Updated on March 1, 2024