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Easypay Personal Loan

When you’re looking for a holiday loan, car loan or even a short term loan, you want access to the money you need without the worry of high interest rates. Our Easypay Personal Loan is designed to suit a range of needs with options to help you manage your repayments.

Variable Interest Rate (pa) from7.95%
Variable Comparison Rate (pa) from8.88%

 Overview and features

  • Variable interest rate
  • Secured and unsecured rates available
  • Weekly, fortnightly or monthly repayments
  • Additional repayments allowed
  • Minimum loan amount of $5,000
  • Loan term of 2 to 5 years
  • Option to secure your loan against a car that’s less than seven years old
  • If you like this account, why not make the most of your banking and combine it with an Easypay Access Account or car insurance.

 Rates and fees

Product Description Variable Interest Rate (pa) Variable Comparison Rate (pa)
Easypay Personal Loan - Secured Secured - fully secured by a motor vehicle up to seven years old 7.95%pa 8.88%pa
Easypay Personal Loan - Unsecured Unsecured 13.00%pa 13.90%pa
View the Personal Loan Comparison Rate Schedule​ View the Fees & Charges​

 How to apply


It’s easy to apply for our Easypay Personal Loan. Simply find out what you need, choose how you’d like to apply and we’ll help you get started.

What you need

  • You need to be at least 18 years of age.
  • You need to have an Australian mailing and residential address.
  • You need to be a Western Australian resident (new members only).
  • You need to become a P&N Bank member by buying a $10 share. You don't have to pay anything right now, this amount will be deducted after you open your account online or in person. As a member, you have a say in the future direction and growth of P&N, by being able to vote on the composition of our Board of Directors and attend Annual General Meetings.
  • If you’re joining us as a brand new member, you need your Australian driver's licence or your Australian passport. You can also use one form of primary ID without your photo (eg. your birth certificate or citizenship papers) with one form of secondary ID (eg. your most recent power bill). Please supply the original documents or a certified copy.
  • Once you’re a member, you’ll need to give us information about how much money you’d like to borrow and for what purpose, your contact details and your financial details.
  • Once you’re a member, you’ll need details of: 
         - your income (or, if you’re self-employed, your tax assessments and financial statements from the last two years) 
         - the contact details of your current and previous employers 
         - your assets and liabilities, including any property you own, bank accounts, loans with other lenders, shares, motor vehicles and
         personal effects.
  • You need to read and agree to our privacy statement, terms and conditions and the product disclosure statement. 

How to apply 

Complete, save and submit your personal loan application online. If you need help, talk to us using web chat or call us. 

In person 
Apply for a personal loan in person at your nearest branch. Make sure to bring all the documents you need with you. 

By phone 
Call us on 13 25 77 and one of our local loan consultants will help you with your home loan application. 

Apply now 


 Important information


Comparison rate is calculated based on $30,000 over 5 years for secured and unsecured loans. WARNING: The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. You can view the Comparison Rate Schedule or request a copy from any P&N Bank branch.

To use this website you are required to read the Credit Guide (which you agree to be provided by accessing this link.) Lending criteria apply. Terms and conditions apply and are available on request . Rates stated are subject to change without notice. Fees and charges are payable.

Highlighted Products


Easypay Access Account

The P&N Bank Easypay Access Account is an everyday transaction account with a range of fee free transactions.​

Find out more

Car Insurance

Regardless of what car you drive, you need the right car insurance to protect you from unexpected events. We can give you access to comprehensive insurance to suit every make and model, with a great range of benefits and excess options.

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Motorcycle Insurance

With the right motorcycle insurance, you’ll be able to relax and focus on the open road. MemberCare Motor Insure is designed to suit the make and model of your bike, whatever you choose to ride.

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2013 © Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701

To use this website you are required to read the Financial Services Guide (which you agree to be provided by accessing this link) and the Credit Guide (which you agree to be provided by accessing this link). Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Please therefore consider whether it is appropriate for you. Please read the relevant Product Disclosure Statement (PDS) when considering whether a product is right for you. Unless otherwise stated P&N Bank is the product issuer. Rates stated are subject to change without notice. Fees and charges are payable. Lending Criteria applies to the approval of credit products and terms and conditions are applicable which are available on request.

QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545 and QBE Life (Australia) Limited ABN 83 089 981 073 AFSL 245492 are the issuers of the insurance policies detailed. The Insurance products are not a product of, nor guaranteed by, Police & Nurses Limited. To decide if the product is right for you and for full terms and conditions (including limitations and exclusions), please read the PDS for the relevant product.