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Law Enforcement Loans

Valuable protections and money-saving benefits only available at LAPFCU

Competitive rates, fast approvals, and flexible financing options

Exclusive loan programs for sworn and civilian law enforcement professionals
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Loans Built for Law Enforcement

From your first year on the job through homeownership and beyond, LAPFCU has your back. We offer financing designed around the needs of law enforcement professionals.

For 90 years, LAPFCU has served police officers, sheriff’s deputies, civilian law enforcement personnel, retirees, volunteers, and their family members. Our lending specialists understand the unique challenges of public safety careers, including Academy expenses, equipment costs, probationary periods, shift differentials, and variable income.

Unlike a traditional bank or credit union, LAPFCU offers specialized law enforcement loan programs and member benefits.

FIVE-O FUNDS LOAN

HELP WITH FIRST YEAR JOB COSTS

Newly hired or rehired law enforcement professionals often face expenses before their first full paycheck. When you start your law enforcement career, you might need uniforms, equipment, transportation, and academy supplies. You might also need help with relocation, rent, and other essentials.

Our Five-O Funds Loan provides affordable financing during your first year of employment. It’s available to both sworn and civilian law enforcement employees.

Benefits

  • Fixed rates as low as 5.49% APR1
  • Borrow from $500 to $5,000
  • Take up to 36 months to repay
  • No collateral required
  • Use funds for work clothing, transportation, rent, or other personal needs

FIREARM & EQUIPMENT LOAN 

FINANCE DUTY GEAR AND EQUIPMENT

Police officers, sheriff’s deputies, and other first responders need specialized equipment for work, training, off-duty protection, or personal use. Our Firearm & Equipment Loan offers lower-cost financing than high-interest credit cards or personal loans.

Active-duty sworn law enforcement officers who have completed their agency’s probationary period can finance approved firearms, accessories, safety equipment, and other law enforcement gear.

Benefits

  • Fixed rate as low as 5.00% APR2
  • Borrow from $500 to $5,000
  • Take up to 36 months to repay
  • No collateral required
  • Predictable monthly payments

HEROES HOME LOAN 

BUY A HOME SOONER

Our Heroes Home Loan helps sworn and civilian law enforcement professionals buy a first home with less cash required up front.

100% financing with no private mortgage insurance (PMI)3 is available for first-time homebuyers and members who have not owned a home in the past 3 years.  This helps reduce upfront expenses and preserve savings for closing costs, moving expenses, repairs, and emergencies.

Benefits

  • No down payment
  • No PMI
  • Competitive fixed-rate financing
  • Choice of a 30-year or 40-year term
  • More purchasing power with complete financing
  • Personal guidance from an LAPFCU Mortgage Loan Officer
  • Preapproval letter typically provided within two business days after completing the application process

Extra Protection and Member Benefits

END OF WATCH DEBT PROTECTION 

HELP PROTECT YOUR FAMILY FROM LOAN DEBT

Law enforcement careers carry risks most financial institutions don’t address. Qualified members receive complimentary debt protection if they pass away in the line of duty. End of Watch Debt Protection cancels up to $850,000 of LAPFCU loan balances.4 

 

RELATIONSHIP REWARDS

GET MORE VALUE FROM YOUR LAPFCU MEMBERSHIP

As your deposit and loan balances grow, so do your benefits. Our Relationship Rewards program offers benefits such as loan discounts, higher dividend rates, credit card point multipliers, and fee savings.

Auto Loans: Finance or refinance a new and used vehicle with competitive rates and flexible terms.

Personal Loans: Borrow up to $100,000 for debt consolidation, home improvements, emergencies, or major purchases.

Mortgage Loans: Purchase, refinance, or upgrade your home with financing tailored to your needs.

Home Equity Loans and Lines of Credit: Use available equity to finance renovations, education, or other major expenses.

Home Equity Loan
APR as low as
7.13% *
Home Equity Line of Credit
APR as low as
Variable Rate *
View all Rates

Yes, you can use Quick Pay to make one-time or recurring payments, on your LAPFCU loan, from another financial institution. Access Quick Pay in online and mobile banking.

Log in > Go to Transfers & Payments tab > Quick Pay

We do not offer this service at this time. Please contact us at (877) 695-2732 or start a secure chat with us in online or mobile banking for assistance.  

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LAPFCU is a full service financial services provider for sworn and civilian law enforcement professionals of federal, state, county, and city agencies and their family members in Southern California.