Newcastle Permanent
Secured Personal Loan & Car Loan
Newcastle Permanent · pers loans
Provider last updated this product 2026-08-25.
Low fixed rate with flexible repayment options.
As published by the lender
- Security - Secured
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| FIXED | 6.49% | 6.84% | OTHER | PRINCIPAL AND INTEREST | 84 months | 12 - 84 months | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Document Fee | ENQUIRY | $10 | Document Retrieval fee, payable to us when we provide a copy of any statement, notice or other document at your request. Fee per copy document. |
| Application Fee | UPFRONT | $250 | Assessing and processing your loan application can be an involved process, requiring the expertise of trained assessors. For this reason, an application fee is payable upon advance of your loan. |
| Default Administration Fee 1 | LATE_PAYMENT | $35 | The default administration fee for Personal Loans is payable to us when a repayment due under your agreement is not made. The fee is $35 where one payment or less is in arrears, and $50 per month where more than one payment is in arrears. |
| Default Administration Fee 2 | LATE_PAYMENT | $50 | Where more than one repayment is in default (the fee will be charged the month the payment is due and each later month until the month after you pay the amount). |
| Variation Request Fee | VARIATION | $75 | Where you require that we vary the loan amount, a fee will apply. |
| Dishonour Fee | DISHONOUR | $9 | A dishonour fee is payable when a payment direction you make, such as a direct debit, salary deduction or automatic transfer is dishonoured. The dishonour fee is per dishonour. |
| Electronic Transfer Fee | WITHDRAWAL | $30 | Payable to us when we are required to electronically transfer money for settlement. |
| Settlement Financial Institution Cheque Fee | WITHDRAWAL | - | First cheque free, thereafter $5 per cheque. Third party fees at cost and unascertainable. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 6.49% | 6.84% |
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
- Flexible repayment options - Minimum monthly principal and interest repayments with weekly and fortnightly options available.
Who can apply
- natural personIndividuals must have the legal capacity to enter into the loan contract.
- min age - 18
- residency status - Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen
Limits
- min limit - 5000.00
- max limit - 100000.00This maximum loan limit applies for Car Loans and loans secured by Newcastle Permanent Term Deposit.
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: 2026-08-25T00:00:00+10:00 · Product ID: PL_securedfixed