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Do you need a personal loan or credit card in a flash? With member experience at the heart of everything we do, we’re committed to providing members with a fast and simple application process for personal loans, car loans and credit cards.

If you are eligible, our upgraded online application process allows you to apply, receive approval, upload documents, sign contracts and obtain funding all online, with the potential to have the money in your pocket the very same day if applying on a business day.

And the best part is, you can choose the application process channel that suits you. You can apply online and complete the process online, or alternatively visit a branch to finalise your application if you wish. This gives you the flexibility to choose how you would like to bank with us through channels and at times that work for you.

Days after launching the new digital end-to-end application process, P&N Bank members have been able to secure their money on the same day they applied for a personal loan.

This is Anne’s story

Our existing member Anne Davies* was looking for a loan for her new car.

She applied for a personal loan through P&N Bank’s Internet Banking and, because her member credentials were already verified, her application was pre-filled with her personal information and P&N Bank account data.

Anne completed her application online and once the loan was conditionally approved she uploaded her payslip using Loan Tracker.

Within two hours of her application being processed by a lending specialist, Anne received her contract pack via email. An SMS was also sent to let her know her loan application had been approved.

Anne chose to visit her local branch at Ocean Keys with her contracts and, less than five hours later, she had the money for her personal loan.

This meant she was able to make payment and drive away in her new car the same day she applied for her P&N Bank personal loan!

Benefits of our new online application process

  • Find out immediately if you can afford the loan or credit card
  • Conditional approval at the time of application
  • Use Loan Tracker to upload required documents
  • Faster processing with a dedicated digital lending team
  • Your contracts can be distributed and returned electronically, or you can choose to complete your loan at a branch if preferred
  • Potential to receive your money on the same day if we have everything we need

For more information, visit the personal loans page.

*For confidentiality reasons, the name of the member has been changed.

Banking and Credit products issued by Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Any advice does not take into account your objectives, financial situation or needs. Read the relevant T&Cs, before downloading apps or acquiring any product, in considering and deciding whether it is right for you. The Target Market Determinations (TMDs) are available here or upon request.