P&N Bank Personal Loan Rates & Fees, Review & Compare - Best Find

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Pn Bank Personal Loans

Unsecured 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 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

Advertised rate13.00%

Comparison rate13.95%

Monthly repayments (approx)$343

Total repayments (approx)$12,383

Total interest repayments (approx)$2,383

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$199

Other Fees & Information

Monthly fee$10

Quaterly 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 of9/04/2016

Comparison rate warning 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.

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Secured 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 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

Advertised rate6.99%

Comparison rate7.97%

Monthly repayments (approx)$315

Total repayments (approx)$11,346

Total interest repayments (approx)$1,346

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$199

Other Fees & Information

Monthly fee$10

Quaterly 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 of9/04/2016

Comparison rate warning 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.

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Did you know you can compare 100’s of personal loans? Browse, filter and on our main personal loans comparison page.

Compare and review P&N Bank personal loan rates

Looking to make major purchase, go on a holiday or perhaps to consolidate your existing debts into one simple regular repayment? When comparing P&N Bank personal loans, there are other important things to consider and understand, other than just P&N Bank’s interest rates.

What personal loan options does P&N Bank offer?

P&N Bank has 2 personal loan products:

  • P&N Bank Unsecured Personal Loan
  • P&N Bank Secured Personal Loan

 

View the above table for detailed product information and a comparison of the interest rates, fees and features.

You can also review and compare P&N Bank car loans, P&N Bank home loan and P&N Bank credit cards.

Do you have a P&N Bank personal loans calculator?

Yes. Use the filter to adjust your loan amount and term to calculate your approximate monthly repayments. When you apply the filter, you will see a breakdown of your approximate monthly repayments as well as the total amount of interest and fees paid.

How to apply for a P&N Bank Personal Loan?

If you’d like to apply online for a P&N Bank personal loan, just scroll up and click on “Learn more” to be taken to P&N Bank’s secure online application form. Before you apply, be sure to learn about P&N Bank’s personal products, fees and eligibility criteria. Give yourself around 30 minutes to complete the application.

P&N Bank’s personal loan eligibility criteria

Before you apply for a personal loan, be sure to understand and meet the P&N Bank’s lending criteria. Below is high-level overview of P&N Bank’s criteria:

P&N Bank’s minimum requirements for a personal loan

  • Minimum age of 18
  • Earn a minimum of $15,000 per annum
  • An Australian citizen, permanent resident or have a valid visa

Information you’ll need to provide

Whether at the P&N Bank branch or online, make sure to have the following nearby:

  • Proof of income. A verifiable and steady employment. You may be required to provide copies of your most recent pay slips and employer’s contact information
  • A list of your assets, expenses and liabilities
  • Driver’s licence (if you have one) or other forms of ID

Are you self-employed?

If you’re self-employed, you will also need to provide:

  • Financial statements for the last year
  • Your most recent personal/business tax return

Other things to keeping mind when applying with P&N Bank

  • It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
  • Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to your P&N Bank personal loan

There are many additional factors P&N Bank consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save!

What can you use a P&N Bank personal loan for?

You can borrow for almost any worthwhile purpose. No, going to the casino and putting it all on black is not a worthwhile purpose.

Examples of common loan purpose P&N Bank will lend for:

 

Additional product information

P&N Bank’s minimum and maximum personal loan amounts and terms

You can borrow between $5,000 and $80,000. Over terms between 2 year and 5 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

P&N Bank’s repayment schedule

P&N Bank allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

P&N Bank allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early.

Redraw facility

P&N Bank’s Variable Rate Personal Loan gives you the option of being able to make redraws.