Senior Constable Nigel Buckingham said the car was caught by the bush, which stopped it falling the remaining 50m to 60m to the lake.
He considered Ms Loyer was extremely lucky the car came to a stop where it did.
Ms Loyer, who had been wearing a seat belt, said she scrambled out a broken window, giving no thought to whether she was injured.
She and the car were not visible from above, so she began climbing back up towards the road.
About 10m from the road the cliff became too steep to climb so Ms Loyer waved her pink top to attract attention.
A group of four tourists from Newcastle, in England, travelling towards Haast, spotted Ms Loyer, although they said they did not immediately realise the urgency of the situation.
They stopped and a member of the group, Paul Foster, said they formed a human-chain to haul Ms Loyer back up to the road.
Ms Loyer was shocked and had minor cuts and scratches but appeared otherwise unharmed when spoken to by the ODT.
She was disappointed to have lost her cellphone.
Snr Const Buckingham said the car was badly damaged. When he left it, its indicator lights were still going.
Ms Loyer was taken back to Wanaka by police last night.
She is due to fly home from Auckland in a fortnight.
Ms Loyer was about 30km short of the Blue Pools when the accident happened.