P&N Bank
Fixed Secured Personal Loan
P&N Bank · pers loans
Provider last updated this product 2026-09-30.
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.
As published by the lender
- Security - Secured
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| FIXED | 7.99% | 8.65% | OTHER | PRINCIPAL AND INTEREST | 12 months | - | calculated daily, paid monthly |
| Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
| FIXED | 7.99% | 8.65% | OTHER | PRINCIPAL AND INTEREST | 24 months | - | calculated daily, paid monthly |
| Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
| FIXED | 7.99% | 8.65% | OTHER | PRINCIPAL AND INTEREST | 36 months | - | calculated daily, paid monthly |
| Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
| FIXED | 7.99% | 8.65% | OTHER | PRINCIPAL AND INTEREST | 48 months | - | calculated daily, paid monthly |
| Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
| FIXED | 7.99% | 8.65% | OTHER | PRINCIPAL AND INTEREST | 60 months | - | calculated daily, paid monthly |
| Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
| FIXED | 7.99% | 8.65% | OTHER | PRINCIPAL AND INTEREST | 72 months | - | calculated daily, paid monthly |
| Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
| FIXED | 7.99% | 8.65% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| 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. |
| Goods Security Administration Fee | UPFRONT | $20 | Charged per vehicle taken as security. |
| Loan Establishment Fee | UPFRONT | $199 | One off establishment fee. |
| Loan Contract Variation Fee | VARIATION | $105 | 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. |
| PPSR Search Fee | UPFRONT | $3.70 | Payable at cost for obtaining a search on the Personal Property Securities Register. |
| PPSR Registration Fee | UPFRONT | $11.40 | Payable at cost for registering the loan security on the Personal Property Securities Register. |
| Monthly Maintenance Fee | TRANSACTION | $5 | Monthly fee charged to the loan. |
| Late Payment Notification Fee | LATE_PAYMENT | $5 | Charged when a payment to a personal loan becomes overdue by 11 days and 30 days. |
| Notice of Demand Fee | EVENT | $75 | Charged when a payment to a personal loan becomes overdue by 46 days. |
| Management Administration Fee | LATE_PAYMENT | $50 | Charged monthly when a payment to a personal loan becomes overdue by more than 90 days. |
| Collection Agent Administration Fee | LATE_PAYMENT | $100 | Payable when a payment to a personal loan becomes overdue for more than 90 days and we choose to engage an external collection agent. |
| Default Interest Rate | OTHER | - | 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. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 7.99% | 8.65% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18
- natural personMember must be a natural person rather than another legal entity.
- otherCredit eligibilty criteria, terms and conditions, fees and charges apply.
- otherYou must be or become a P&N Bank member
- residency status - Personal Lending is not available for non-residents.
Limits
- max limit - 150000.00Maximum loan amount is $150,000
- min limit - 5000.00Minimum loan amount is $5,000
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-30T16:00:24.4752190Z · Product ID: 65