HomePersonal LoansP&N BankUnsecured Fixed Rate Personal Loan

P&N Bank Unsecured Fixed Rate Personal Loan

The P&N Bank Unsecured Fixed Rate Personal Loan offers rates from 9.74% p.a. (10.40% 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 Unsecured Fixed Rate Personal Loan provides a dependable financing option. It features a fixed interest rate of 9.74% p.a. The comparison rate is 10.40% p.a.. Loan amounts start from $5,000. Repayment terms range from one to seven years. There is a $199 establishment fee. A $5 monthly fee also applies. These fees ensure transparent costs throughout the loan term.

This loan is suitable for individuals looking to consolidate existing debts. It can also be used for home renovations or to fund travel plans. Borrowers benefit from fixed repayment amounts, which provide predictability. Additional advantages include the ability to redraw any extra repayments made. There are no penalties for early repayment. This gives borrowers greater control over their financial commitments.

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 9.74% 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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Unsecured 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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