Secured Personal Loan & Car Loan
Low fixed rate with flexible repayment options.
- From
- 6.49%
- 6.84% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 7 years | 6.49% | 6.84% | Personal Loan Term |
Fees
| Fee | Type | Amount |
|---|---|---|
| Dishonour Fee Capped at $0.00 · A dishonour fee is payable when a payment direction you make, such as a direct debit, salary deduction or automatic transfer is dishonoured. The dishonour fee is per dishonour. | Dishonour | $9.00 |
| Document Fee Capped at $0.00 · Document Retrieval fee, payable to us when we provide a copy of any statement, notice or other document at your request. Fee per copy document. | Enquiry | $10.00 |
| Default Administration Fee 1 Capped at $0.00 · The default administration fee for Personal Loans is payable to us when a repayment due under your agreement is not made. The fee is $35 where one payment or less is in arrears, and $50 per month where more than one payment is in arrears. | Late payment | $35.00 |
| Default Administration Fee 2 Capped at $0.00 · Where more than one repayment is in default (the fee will be charged the month the payment is due and each later month until the month after you pay the amount). | Late payment | $50.00 |
| Variation Request Fee Capped at $0.00 · Where you require that we vary the loan amount, a fee will apply. | Variation | $75.00 |
Features
- Flexible repayment options - Minimum monthly principal and interest repayments with weekly and fortnightly options available.
- Digital banking
- Extra repayments
- You can make regular additional repayments and extra lump sum payments.
Eligibility
- Individuals onlyIndividuals must have the legal capacity to enter into the loan contract.
- Residency status — Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen
- Minimum age — 18 years
Constraints
- Minimum limit — $5,000.00
- Maximum limit — $100,000.00This maximum loan limit applies for Car Loans and loans secured by Newcastle Permanent Term Deposit.
More Information
Published by Newcastle Permanent Building Society under the Consumer Data Right · Last updated 24 June 2026 · Product ID PL_securedfixed · View on CDR.gov.au