P&N Bank Personal Loan Rates & Review

P&N Bank Personal Loans as of February 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)	7.99% p.a.	8.65% p.a.	$627	Fixed	Secured	$0	$5	$199	$22,559	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (2 Years)	7.99% p.a.	8.65% p.a.	$627	Fixed	Secured	$0	$5	$199	$22,559	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (3 Years)	7.99% p.a.	8.65% p.a.	$627	Fixed	Secured	$0	$5	$199	$22,559	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (4 Years)	7.99% p.a.	8.65% p.a.	$627	Fixed	Secured	$0	$5	$199	$22,559	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (5 Years)	7.99% p.a.	8.65% p.a.	$627	Fixed	Secured	$0	$5	$199	$22,559	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (6 Years)	7.99% p.a.	8.65% p.a.	$627	Fixed	Secured	$0	$5	$199	$22,559	More details	Compare
P&N Bank	P&N Bank Fixed Secured Personal Loan (7 Years)	7.99% p.a.	8.65% p.a.	$627	Fixed	Secured	$0	$5	$199	$22,559	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (1 Year)	9.74% p.a.	10.37% p.a.	$643	Fixed	Unsecured	$0	$5	$199	$23,145	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (2 Years)	9.74% p.a.	10.37% p.a.	$643	Fixed	Unsecured	$0	$5	$199	$23,145	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (3 Years)	9.74% p.a.	10.37% p.a.	$643	Fixed	Unsecured	$0	$5	$199	$23,145	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (4 Years)	9.74% p.a.	10.37% p.a.	$643	Fixed	Unsecured	$0	$5	$199	$23,145	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (5 Years)	9.74% p.a.	10.37% p.a.	$643	Fixed	Unsecured	$0	$5	$199	$23,145	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (6 Years)	9.74% p.a.	10.37% p.a.	$643	Fixed	Unsecured	$0	$5	$199	$23,145	More details	Compare
P&N Bank	P&N Bank Fixed Unsecured Personal Loan (7 Years)	9.74% p.a.	10.37% p.a.	$643	Fixed	Unsecured	$0	$5	$199	$23,145	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

P&N Bank Home Loan Rates P&N Bank Car Loan Rates P&N Bank Savings Account Rates P&N Bank Term Deposit Rates

Personal Loan Comparison & Tools

Personal Loans Debt Consolidation Secured Personal Loans Unsecured Personal Loans Personal Loan Calculator

Personal Loan Lenders' Rates

InfoChoice respectfully acknowledges the Traditional Custodians of the land on which we live, learn and work.

Important Information

InfoChoice.com.au provides general information and comparison services to help you make informed financial decisions. We do not cover every product or provider in the market. Our service is free to you because we receive compensation from product providers for sponsored placements, advertisements, and referrals. Importantly, these commercial relationships do not influence our editorial integrity.

For more detailed information, please refer to our How We Get Paid, Managing Conflicts of Interest, and Editorial Guidelines pages.

Editorial Integrity

At InfoChoice.com.au, we are passionate about helping Australians make informed financial decisions. Our dedicated editorial team works tirelessly to provide you with accurate, relevant, and unbiased information. We pride ourselves on maintaining a strict separation between our editorial and commercial teams, ensuring that the content you read is based purely on merit and not influenced by commercial interests.

Learn more about our commitment to editorial integrity in our Editorial Guidelines.

Advertiser Disclosure

Our service is free for you, thanks to support from our partners through sponsored placements, ads, and referrals. We earn compensation by promoting products, referring you, or when you click on a product link. You might also see ads in emails, sponsored content, or directly on our site.

For more details, see How We Get Paid.

Product Coverage and Sort Order

We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.

Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes.

Additionally, certain products may present forms designed to refer you to associated companies (e.g. our mortgage broker partner) who may be able to assist you with products from the brand you selected. We may receive a fee for this referral.

You can customise your search using our sorting and filtering tools to prioritise what matters most to you, although we do not compare all features and some results associated with commercial arrangements may still appear.

For more details, visit How We Get Paid and Managing Conflicts of Interest.

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.

Related Brands

InfoChoice.com.au is proudly part of the InfoChoice Group, which includes Savings.com.au, YourMortgage.com.au, and YourInvestmentPropertyMag.com.au. The InfoChoice Group is associated with the Firstmac Group.

We may include products and services from loans.com.au, CarLoans.com.au, OnlineAuto.com.au, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.

Learn more about how we manage conflicts of interest.

General Advice Disclosure

The information provided by InfoChoice.com.au is general in nature and does not take into account your personal objectives, financial situation, or needs. We recommend seeking independent financial advice before making any financial decisions. Before acquiring any financial product, obtain and read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and any other offer documents.

Rates and product information should be confirmed with the relevant credit provider. For more information, read InfoChoice.com.au’s Financial Services and Credit Guide (FSCG).

P&N Bank Personal Loans