Fixed Unsecured Personal Loan
An unsecured personal loan with a fixed rate and choice of loan term. Whether it's a car, home improvements or a dream holiday, P&N have you covered.
- From
- 9.74%
- 10.37% 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. | 9.74% | 10.37% | — |
| Fixed · 2 years Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 9.74% | 10.37% | — |
| Fixed · 3 years Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 9.74% | 10.37% | — |
| Fixed · 4 years Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 9.74% | 10.37% | — |
| Fixed · 5 years Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. | 9.74% | 10.37% | — |
| Fixed · 6 years |
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 |
| Loan Establishment Fee One off establishment fee. | Upfront | $199.00 |
| Monthly Maintenance Fee Monthly fee charged to the loan. | Transaction | $5.00 |
| Late Payment Notification Fee 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 Charged monthly when a payment to a personal loan becomes overdue by more than 90 days. | Late payment | $50.00 |
| Collection Agent Administration Fee Payable when a payment to a personal loan becomes overdue for more than 90 days and we choose to engage an external collection agent. |
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 — $100,000.00Maximum loan amount is $100,000
- 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 66 · View on CDR.gov.au