P&N Bank Personal Loan Rates & Review

P&N Bank Personal Loans as of January 2026

Monthly repayment below is based on a $20,000 loan amount over 5 years.

Loan duration

Loan amount

Compare

Lender	Car Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Interest Type	Secured Type	Early Exit Fee	Ongoing Fee	Upfront Fee	Total Repayment	Link	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (1 Year)	7.74% p.a.	8.40% p.a.	$624	Fixed	Secured	$0	$5	$199	$22,476	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (2 Years)	7.74% p.a.	8.40% p.a.	$624	Fixed	Secured	$0	$5	$199	$22,476	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (3 Years)	7.74% p.a.	8.40% p.a.	$624	Fixed	Secured	$0	$5	$199	$22,476	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (4 Years)	7.74% p.a.	8.40% p.a.	$624	Fixed	Secured	$0	$5	$199	$22,476	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (5 Years)	7.74% p.a.	8.40% p.a.	$624	Fixed	Secured	$0	$5	$199	$22,476	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (6 Years)	7.74% p.a.	8.40% p.a.	$624	Fixed	Secured	$0	$5	$199	$22,476	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (7 Years)	7.74% p.a.	8.40% p.a.	$624	Fixed	Secured	$0	$5	$199	$22,476	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (1 Year)	9.49% p.a.	10.12% p.a.	$641	Fixed	Unsecured	$0	$5	$199	$23,060	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (2 Years)	9.49% p.a.	10.12% p.a.	$641	Fixed	Unsecured	$0	$5	$199	$23,060	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (3 Years)	9.49% p.a.	10.12% p.a.	$641	Fixed	Unsecured	$0	$5	$199	$23,060	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (4 Years)	9.49% p.a.	10.12% p.a.	$641	Fixed	Unsecured	$0	$5	$199	$23,060	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (5 Years)	9.49% p.a.	10.12% p.a.	$641	Fixed	Unsecured	$0	$5	$199	$23,060	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (6 Years)	9.49% p.a.	10.12% p.a.	$641	Fixed	Unsecured	$0	$5	$199	$23,060	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (7 Years)	9.49% p.a.	10.12% p.a.	$641	Fixed	Unsecured	$0	$5	$199	$23,060	More details	Compare

More personal loans

Low Rate Personal Loan Unsecured (Exceptional Credit) ($5k-$100k) (5 Years)

Product Features

No ongoing or early exit fees
1-7 years loan terms. Pay monthly, fortnightly, or weekly
Get a quick decision. Funds in 24 hours if approved
Loan amounts of up to $75,000, and up to $100,000 for home improvement projects and motor vehicles

Monthly repayments: $608

5.95% Advertised Rate (p.a.)

5.95% Comparison Rate (p.a.)

More details

Important Information and Comparison Rate Warning

Latest Lending News

Car Loan News

How long does home loan approval take?

Compare More P&N Bank Products

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Personal Loan Lenders' Rates

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Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

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P&N Bank Personal Loans