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P&N Bank Personal Loan Calculator & Product Overview

When you take out a personal loan with P&N Bank, you become a customer, member, and shareholder. If this inclusive approach sounds like a breath of fresh air, compare P&N Bank personal loans below and get to calculating your repayments.

Calculate repayments on P&N personal loans

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 low variable rate personal loan is designed to suit a range of needs with flexible options to help you manage your repayments.

Overview

Minimum loan amount$5,000

Maximum loan amountNo maximum

Minimum term (years)2 Years

Maximum term (years)5 Years

Personal loan interest rates (base)6.99%

Personal loan comparison rate7.97%

Monthly repayments (approx)$315

Total repayments (approx)$11,346

Total interest repayments (approx)$1,346

Rate typeVariable

Secured or unsecuredSecured

Encumberance/REVVS check fee$0

Application / establishment fee$199

GO TO P&N Bank

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$12

For debt consolidation?Yes

Sponsored No

Telephone13 25 77

Data accurate as of19/12/2018

GO TO P&N Bank

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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 low variable rate personal loan is designed to suit a range of needs with flexible options to help you manage your repayments.

Overview

Minimum loan amount$5,000

Maximum loan amountNo maximum

Minimum term (years)2 Years

Maximum term (years)5 Years

Personal loan interest rates (base)13.00%

Personal loan comparison rate13.95%

Monthly repayments (approx)$343

Total repayments (approx)$12,383

Total interest repayments (approx)$2,383

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$199

GO TO P&N Bank

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$12

For debt consolidation?No

Sponsored No

Telephone13 25 77

Data accurate as of19/12/2018

GO TO P&N Bank

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Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. The comparison rate can vary from 5.95% to 17.95%

Overview

Minimum loan amount$8,000

Maximum loan amount$50,000

Minimum term (years)1.5 years

Maximum term (years)7 Years

Personal loan interest rates (base)5.95%

Personal loan comparison rate5.95%

Monthly repayments (approx)$303

Total repayments (approx)$10,943

Total interest repayments (approx)$943

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$0

GO TO Now Finance

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of23/02/2021

GO TO Now Finance

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OurMoneyMarket offer competitive low rates on loans up to $50,000, plus free extra repayments and fee-free redraw facility.

Overview

Minimum loan amount$2,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)7 Years

Personal loan interest rates (base)5.45%

Personal loan comparison rate6.07%

Monthly repayments (approx)$309

Total repayments (approx)$11,134

Total interest repayments (approx)$1,134

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of30/06/2021

GO TO OurMoneyMarket

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Fast and easy online application. Money can be in your account same-day. Flexible repayments with no early exit fees. Comparison interest rates from 7.64% to 13.32% p.a.

Overview

Minimum loan amount$2,100

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO MoneyMe

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly/Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored Yes

Telephone1300 329 037

Data accurate as of03.03.2021

GO TO MoneyMe

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BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

What type of loan are you looking for?

P&N Bank personal loans – Apply & become a shareholder

P&N Bank derives its name from its parent company – Police and Nurses Limited. This lender offers financial products such as credit cards, home loans, car loans, and personal loans.

The bank’s personal loans, which we’re shining the spotlight on, are handy for things like buying a car, booking a holiday, and debt consolidation. If you’re considering this lender, keep in mind that P&N isn’t like your regular big-name financial institution.

Because it uses a mutual or non-profit model, it’s more likely to offer flexible and affordable products. Check out the details for P&N personal loans below to see what suits your needs.

P&N Bank personal loans at a glance

  • Loan amounts – From $5,000
  • Loan terms – Between 2 and 5 years
  • Interest rate type – Variable rate
  • Pros – Quick and easy online application. P&N Bank generally responds within minutes.
  • Cons – You have to pay a $199 establishment fee.
  • Best for – Residents of Western Australia since there are no P&N Bank branches outside Western Australia.

Types of loans offered by P&N Bank

  • Unsecured personal loans. This is a no-security option that has a higher rate than the secured option.
  • Secured personal loans. The funds you receive will be secured against your motor vehicle. You can use them to satisfy a wide range of needs and wants, such as debt consolidation or a holiday.
  • Car loans. The car you use as security has to be less than 7 years old. Read more about P&N Bank car loans if you’re planning to finance a car purchase.

A closer look at P&N Bank personal loan features

  • Repayment frequency. You have three options for paying off your debt – weekly, fortnightly, or monthly. Our P&N Bank personal loan calculator is available if you wish to estimate your repayments.
  • Extra repayments. P&N Bank allows you to make unlimited repayments, on top of your regular minimum repayments. There’s no extra repayment fee.
  • Redraw facility. This is a feature that allows you to withdraw your additional repayments.
  • Flexible loan options. You can borrow a minimum of $5,000 over terms of 2 to 5 years.
  • No early payoff penalties. When those extra repayments keep adding up, it means you can clear your debt early, which reduces borrowing costs.
  • Fees and charges. You pay an establishment fee of $199 and a monthly fee of $10. Other fees may also apply, for instance, a late payment fee and a goods security admin fee.

Application requirements

Here’s a checklist to help you determine if you qualify for a P&N Bank personal loan:

  • Either be a resident of Western Australia or an existing P&N Bank member.
  • Be an individual and at least 18 years of age
  • Be a permanent Australian citizen
  • Have a regular income

While you’re at it, make sure you have the following info all gathered up:

  • Income details
  • Expense details, for instance, general living expenses, including rent.
  • Asset information such as the value of any cars, deposit accounts, or properties that you own.
  • Information about your liabilities, for instance, debts like credit cards or store cards.
  • Two forms of identification, for instance, Medicare, driver’s licence, or passport.
  • If you’re an existing member, you’ll also need your P&N member number.

How to apply online

You can apply for a P&N Bank personal loan online, over the phone, or by visiting the nearest local branch. However, the quickest way is online, and the easiest way to do so is to scroll up to BestFind’s product table above and click “Go to Site.”

Once you are on the lender’s page, all it takes is 10-15 minutes to fill in the form with your details and send your application through. P&N says they’ll respond within one business day.

If you’re a new customer, you automatically become a member once your application is approved. From there, you receive your contract online – sign it, send it back, and the money will be on its way to your bank account.

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