--- title: "Fixed Secured Personal Loan — P&N Bank" description: "Personal Loans from P&N Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/p-and-n-bank/products/65 source: "CDR Compare" language: en-AU last_updated: 2026-08-29T18:00:23.5371123Z --- # Fixed Secured Personal Loan — P&N Bank > Personal Loans from P&N Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Personal Loans** If you are after a fixed rate personal loan with a choice of loan term that is secured by a motor vehicle, P&N have you covered. ## At a glance - **From:** 7.99% (8.65% comparison) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 1 year (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 7.99% | 8.65% | — | | Fixed · 2 years (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 7.99% | 8.65% | — | | Fixed · 3 years (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 7.99% | 8.65% | — | | Fixed · 4 years (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 7.99% | 8.65% | — | | Fixed · 5 years (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 7.99% | 8.65% | — | | Fixed · 6 years (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 7.99% | 8.65% | — | | Fixed · 7 years (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 7.99% | 8.65% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Statement Retrieval Fee — Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. | Replacement | $2.50 | | Goods Security Administration Fee — Charged per vehicle taken as security. | Upfront | $20.00 | | Loan Establishment Fee — One off establishment fee. | Upfront | $199.00 | | Loan Contract Variation Fee — Charged when we process a variation of your contract or any security such as; substitution, or transfer of security, amendment to the term of a loan or a loan account. | Variation | $105.00 | | PPSR Search Fee — Payable at cost for obtaining a search on the Personal Property Securities Register. | Upfront | $3.70 | | PPSR Registration Fee — Payable at cost for registering the loan security on the Personal Property Securities Register. | Upfront | $11.40 | | Monthly Maintenance Fee — Monthly fee charged to the loan. | Transaction | $5.00 | | Late Payment Notification Fee — 11 · Charged when a payment to a personal loan becomes overdue by 11 days and 30 days. | Late payment | $5.00 | | Notice of Demand Fee — Charged when a payment to a personal loan becomes overdue by 46 days. | Event | $75.00 | | Management Administration Fee — 90 · Charged monthly when a payment to a personal loan becomes overdue by more than 90 days. | Late payment | $50.00 | | Collection Agent Administration Fee — 90 · Payable when a payment to a personal loan becomes overdue for more than 90 days and we choose to engage an external collection agent. | Late payment | $100.00 | | Default Interest Rate — A default rate may be charged on any overdue amount if you fail to pay the amount due under the loan contract by its due date. The default rate is 2% per annum above the Annual Percentage Rate applying to the loan account and accrues daily from the due date until payment is made. | Other | Variable | ## Features - **Digital banking** (Keep a close eye on the details that matter. Use internet banking or mobile app to view your loan balance, track your interest rate, and maturity date.) - **Extra repayments** (Extra repayments are allowed on personal loans without additional charges or penalties.) - **Real-time payments (NPP)** (Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.) - **Redraw facility** (Fee free redraw is available for this personal loan if you're ahead on your repayments.) ## Eligibility - **Minimum age** — 18 years - **Individuals only** (Member must be a natural person rather than another legal entity.) - **Credit eligibilty criteria, terms and conditions, fees and charges apply.** - **You must be or become a P&N Bank member** - **Residency status** — Personal Lending is not available for non-residents. ## Constraints - **Maximum limit** — $150,000.00 (Maximum loan amount is $150,000) - **Minimum limit** — $5,000.00 (Minimum loan amount is $5,000) ## More information from P&N Bank - [Overview](https://www.pnbank.com.au/personal-loans/secured/) - [Terms & conditions](https://www.pnbank.com.au/important-information/terms-and-conditions/personal-loans/) - [Fees & pricing](https://www.pnbank.com.au/help-and-support/fees/personal-loans/) ## Data provenance - Published by P&N Bank under the Consumer Data Right - Product ID: `65` - Last updated by the provider: 29 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/p-and-n-bank/65 - Provider page: https://www.cdrcompare.au/brands/p-and-n-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000128 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/p-and-n-bank/products/65) — product data published by Australian data holders under the Consumer Data Right. 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