Fixed Secured Personal Loan
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.
- 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. |
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 |
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 onlyMember 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 — $150,000.00Maximum loan amount is $150,000
- Minimum limit — $5,000.00Minimum loan amount is $5,000
More Information
Published by P&N Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 65 · View on CDR.gov.au