RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Example Interest Rates: Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.39% (6.59%*) • Fixed: 5.39% (6.59%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.69% (6.48%*) • Investment PI: 5.39% (6.59%*)

  Fixed Secured Personal Loan

If you are after a fixed rate personal loan with a choice of loan term that is secured by a motor vehicle, P&N have you covered.
Category: Personal Loans  Last Updated October 21, 2024  Effective November 1, 2024

 General Lending Rates

Rates listed below are for a FIXED product. Additional Information
Interest Rate
8.24% PA
Comparison Rate
8.90%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  , FIXED, 8.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.24%, Comparison Rate 8.90%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 8.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.24%, Comparison Rate 8.90%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 8.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.24%, Comparison Rate 8.90%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 8.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.24%, Comparison Rate 8.90%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 8.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.24%, Comparison Rate 8.90%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 8.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.24%, Comparison Rate 8.90%
  • Repayment Type:
  • Loan Purpose:

 Product Features

  • Digital Banking Additional Information: Redraw online if you're ahead on your repayments.
  • Npp Enabled Additional Information: Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
  • Redraw Additional Information: Fee free redraw is available for this personal loan if you're ahead on your repayments.

 Bank Fees and Charges

  • Statement Retrieval Fee (Event), Amount: 6.00. Additional Information: Fee applies for statements over 12 months old. 1st page $6, and $1.50 for each subsequent page. Payable on request to issue a copy of a previously issued statement.
  • Goods Security Administration Fee (Upfront), Amount: 20.00. Additional Information: Charged per vehicle taken as security.
  • Loan Establishment Fee (Upfront), Amount: 199.00. Additional Information: One off establishment fee.
  • Loan Contract Variation Fee (Event), Amount: 105.00. Additional Information: Charged when we process a variation of your contract or any security such as; substitution, or transfer of security, amendment to the term of a loan or a loan account.
  • Ppsr Search Fee (Upfront), Amount: 3.70. Additional Information: Payable at cost for obtaining a search on the Personal Property Securities Register.
  • Ppsr Registration Fee (Upfront), Amount: 11.40. Additional Information: Payable at cost for registering the loan security on the Personal Property Securities Register.
  • Monthly Maintenance Fee (Periodic), Amount: 5.00. Additional Information: Monthly fee charged to the loan.
  • Late Payment Notification Fee (Event), Amount: 5.00. Additional Information: Charged when a payment to a personal loan becomes overdue by 11 days and 30 days.
  • Notice Of Demand Fee (Event), Amount: 75.00. Additional Information: Charged when a payment to a personal loan becomes overdue by 46 days.
  • Management Administration Fee (Event), Amount: 50.00. Additional Information: Charged monthly when a payment to a personal loan becomes overdue by more than 90 days.
  • Collection Agent Administration Fee (Event), Amount: 100.00. Additional Information: Payable when a payment to a personal loan becomes overdue for more than 90 days and we choose to engage an external collection agent.

 Limitations & Restrictions (Constraints)

  • Min Limit of 5000.00 Additional Information: Minimum loan amount is $5,000

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Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

■ ■ ■

 
Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

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