P&N Bank
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.
Personal loansBank updated 23 Sept 2026
At a glance
- Fixed
- 9.74% · 10.37% comparison
- Loan size
- $5,000 to $100,000
- Upfront fee
- $199
§ 01 — Rates · 7
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | P&I | 1 yr fixed | — | 9.74% | 10.37% | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| Fixed | P&I | 2 yrs fixed | — | 9.74% | 10.37% | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| Fixed | P&I | 3 yrs fixed | — | 9.74% | 10.37% | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| Fixed | P&I | 4 yrs fixed | — | 9.74% | 10.37% | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| Fixed | P&I | 5 yrs fixed | — | 9.74% | 10.37% | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| Fixed | P&I | 6 yrs fixed | — | 9.74% | 10.37% | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| Fixed | P&I | 7 yrs fixed | — | 9.74% | 10.37% | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Notice of Demand Fee | Event | $75 | — | Charged when a payment to a personal loan becomes overdue by 46 days. |
| Collection Agent Administration Fee | Late payment | $100 | 90 days after due | 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 Notification Fee | Late payment | $5 | 11 days after due | Charged when a payment to a personal loan becomes overdue by 11 days and 30 days. |
| Management Administration Fee | Late payment | $50 | 90 days after due | Charged monthly when a payment to a personal loan becomes overdue by more than 90 days. |
| Default Interest Rate | Other | Varies | — | 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 applyi… |
| Statement Retrieval Fee | Replacement | $2.50 | — | Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. |
| Monthly Maintenance Fee | Transaction | $5 | — | Monthly fee charged to the loan. |
| Loan Establishment Fee | Upfront | $199 | — | One off establishment fee. |
§ 03 — Features
RedrawExtra repaymentsInstant paymentsDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Personal Lending is not available for non-residents.
- · Available to individuals
- · Amount $5,000 to $100,000
- · Credit eligibilty criteria, terms and conditions, fees and charges apply.
- · You must be or become a P&N Bank member
§ 06 — Run the numbers
Put this product through a calculator
Published by P&N Bank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.