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 BankingAdditional Information: Redraw online if you're ahead on your repayments.
Npp EnabledAdditional 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.
RedrawAdditional 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