HomePersonal LoansP&N BankSecured Fixed Rate Personal Loan

P&N Bank Secured Fixed Rate Personal Loan

The P&N Bank Secured Fixed Rate Personal Loan offers rates from 7.99% p.a. (8.65% p.a. comparison rate*). on loans from $5,000.


Updated 10 July 2025


Fact checked and verified. Updated 10 July 2025
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Expert Review

The P&N Bank Secured Fixed Rate Personal Loan provides a dependable financing option. It features a fixed interest rate of 7.99% p.a. (8.65% p.a. comparison rate). Loan amounts start from $5,000. Repayment terms range from 1 to 7 years. There is a $199 establishment fee. A monthly fee of $5 also applies. These fees ensure clear and manageable costs throughout the loan period.

This loan is great for individuals looking to buy a vehicle. It offers the predictability of fixed repayment amounts. You can also redraw any extra repayments made earlier. This feature gives you greater control over your finances. Additionally, there is no fee for repaying the loan early. This provides added convenience and can save you money on interest.

Product Details
Fees

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$199 establishment fee

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$5 ongoing monthly fee

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No early repayment fee

Other fees may apply.

Rates

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Fixed rate of 7.99% p.a.

Loan Amount

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From $5,000

Loan Terms

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1, 2, 3, 4, 5, 6 or 7 years

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Secured loan

Features

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Redraw extra repayments that you have made

TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the P&N Bank website.

More information
The comparison rates on this page are based on either a $30,000 loan over 5 years, or a $10,000 loan 3 years, as indicated with each rate. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees or loan amounts might result in different comparison rates.
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