P&N BankFixed 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.
At a glance
- Fixed
- 9.74%10.37% comparison
- Loan size
- $5,000 to $100,000
- Upfront fee
- $199
How it compares
This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 9.74% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 54th lowest of 68 |
| Fixed personal loanRepayments stay the same for the term | 9.74% | 5.80%Plenti Personal Loan | 7.96%of 42 institutions | 34th lowest of 42 |
Rates
Every rate P&N Bank publishes for this personal loan, 7 in all.
| 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. |
Fees
8 fees published, grouped by when they're charged.
When you take it out1
- Loan Establishment Fee
One off establishment fee.
$199
When you make a transaction1
- Monthly Maintenance Fee
Monthly fee charged to the loan.
$5
If a payment is late or fails3
- 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.
$100 90 days after it's due - Late Payment Notification Fee
Charged when a payment to a personal loan becomes overdue by 11 days and 30 days.
$5 11 days after it's due - Management Administration Fee
Charged monthly when a payment to a personal loan becomes overdue by more than 90 days.
$50 90 days after it's due
When particular things happen2
- Notice of Demand Fee
Charged when a payment to a personal loan becomes overdue by 46 days.
$75 - Statement Retrieval Fee
Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement.
$2.50
Other fees1
- 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 applyi…
Varies
Features
Eligibility and 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
Compare it with others
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.