Low fixed rate
Know your repayments with a fixed rate loan.
Pay it off early
Pay extra or payout early with no fees or penalties.
Flexible repayments
Weekly, fortnightly or monthly. You choose.
Redraw instantly
It’s free and easy to access your extra payments, anytime.
As personal as a loan gets
Whether you want to buy a car, take a holiday, or fix your teeth, our unsecured personal loan might just be the loan for you. You can enjoy the security of a fixed rate and repayments, so you know exactly what to expect over the life of your loan. Then you'll have the flexibility to pay extra and save on interest, as well as access the additional repayments anytime you need.
Applying for a personal loan is a breeze – apply online for a response in minutes, or chat with our friendly team in Perth to apply over the phone or in-branch.
Your loan. Your options.
- A loan for almost anything - wedding, motorbike, white goods or debt consolidation, it's up to you. Refinance an existing personal loan.
- Flexible loan terms with repayment period between one and seven years.
- Minimum loan amount of $5,000.
- Make extra payments and reduce the interest you pay over your loan term.
- Redraw your extra payments online if you’re ahead.
- Pay your personal loan off early without charges, fees, or penalties.
Rates & fees
Know your interest rate and fees upfront.
Interest rates
| Loan amount | Fixed rate |
Comparison rate*
|
|---|---|---|
| $5,000 plus | 9.99% p.a. | 10.65% p.a. |
| Fees & charges | |
|---|---|
| Monthly maintenance fee | $5.00 |
| One-off establishment fee | $199.00 |
Other fees & charges that apply to all of our accounts can be found on our fees and charges page.
What will your repayments be?
Find out what your repayments will be, and how much you can you save if you make extra payments to your loan. Because who doesn’t like saving money?
Repayment calculator
More calculators
How to apply for an unsecured personal loan
We’ve made applying for your personal loan easy as.
Apply online, 24/7
Complete your details, save and submit your application, upload your supporting documents and track your application.
If you’re an existing member you can fast track your application by applying from internet banking. We’ll prefill the information we already have about you.
Apply in person or over the phone
Talk to a lending specialist and apply over the phone by calling our local contact centre on or pop into your nearest branch.
Applying for your personal loan is quicker and easier when you've got the information you need, so be prepared with your:
- Identity documents – primary photo ID either your passport or driver's licence.
- Employment details – contact details of your current, and previous employer if less than 2 years.
- Income details – payslips or, if you're self-employed, tax assessments for the last two years and financial statements.
- Regular expenses – such as food, rent, electricity, telcos, insurance & medical costs.
- Assets – a rundown of any assets that you own (any cars, deposit accounts, home contents, properties, investments).
- Liabilities – the details of any loans, credit cards, pay later or other debts you have.
Got everything? Let’s get your application started.
We’ve made applying for your personal loan easy as.
Apply online, 24/7
Complete your details, save and submit your application, upload your supporting documents and track your application.
If you’re an existing member you can fast track your application by applying from internet banking. We’ll prefill the information we already have about you.
Apply in person or over the phone
Talk to a lending specialist and apply over the phone by calling our local contact centre on or pop into your nearest branch.
Applying for your personal loan is quicker and easier when you've got the information you need, so be prepared with your:
- Identity documents – primary photo ID either your passport or driver's licence.
- Employment details – contact details of your current, and previous employer if less than 2 years.
- Income details – payslips or, if you're self-employed, tax assessments for the last two years and financial statements.
- Regular expenses – such as food, rent, electricity, telcos, insurance & medical costs.
- Assets – a rundown of any assets that you own (any cars, deposit accounts, home contents, properties, investments).
- Liabilities – the details of any loans, credit cards, pay later or other debts you have.
Got everything? Let’s get your application started.
We're here to help
Whether you’re ready to apply for a personal loan or still have some questions you’d like answered, we’ve got you covered!
Apply for a personal loan
You can quickly and easily apply for a personal loan online. But if you’d rather apply in person, that's fine too. Pop into one of our branches and we’ll be happy to help!
Request a callback
Are you after more information? One of our experienced personal lending specialists will get in touch with you to answer all your personal loan questions.
Your personal loan questions answered
If you want to refinance an existing P&N Bank personal loan, or a loan you have with another bank or lender, we’re here to help.
You might be looking to increase your loan, lock in a lower secured interest rate, or combine multiple loans into one with a debt consolidation loan.
We offer both secured and unsecured fixed rate personal loans for any purpose. And you can use our repayment calculator to get an idea of your repayments.
If you have an existing P&N Bank loan you want to review or increase, or you want to speak to a team member about a new personal loan application, please contact our lending specialists on 13 25 77 to apply over the phone, or visit your nearest branch.
Alternatively you can apply for a new personal loan online at any time.
Your credit report shows how many times you’ve applied for credit and which loans you've opened and your history of making repayments, any defaults, and how much debt you currently have. This is very important information as it tells the new credit provider how you’ve treated those debts, which gives an indication about how you’re likely to treat the new debt.
It includes information that is needed to identify you - name; birth date; and recent addresses; current or last known employer’s name; driver’s licence number (if you have one).
Your credit report helps us determine your suitability for credit (loan) products, like home loans, personal loans or credit cards. When you apply for a home loan, personal loan or credit card with us we will check your credit report. We will also record your application for credit.
You can access your own credit report using the credit reporting bodies outlined on the CreditSmart website.
Your credit score is a summary of your credit report. It’s a number that indicates how healthy your credit report is – generally, the higher the number, the better you’re managing your credit. Your credit score can change as well, and under Comprehensive Credit Reporting (CCR), things like on-time repayments will positively affect your score.
There are a number of ways to find out your credit score, however the score that matters for your next credit application may depend on which reporting body the credit provider uses.
You can find out more about obtaining your credit score on the CreditSmart website.
Important information
Banking and Credit products issued by Police & Nurses Limited (P&N Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms & conditions, fees & charges apply.
Please consider the terms and conditions and whether a product is right for you.
- View terms and conditions
- View fees and charges
- View credit guide
- View Target Market Determinations (TMDs)
*Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates quoted may vary depending on loan purpose and security offered.
WARNING: This 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.