BSB 806 015

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BSB 806 015

Frequently Asked Questions

Personal Loans

Questions...

  • Can I skip the next repayment that's due?

    As long as you have previously made additional payments to your loan account and the loan is sufficiently in advance, you may be able to skip a repayment.  Call us on 13 25 77 or visit a branch if you would like us to check the advance status of your loan repayments.

    Further reading on Financial Hardship

  • How much do I owe on my personal loan?

    You can check the balance of your personal loan 24/7 via our Mobile Banking App or Internet Banking Service.

    If you need a payout figure please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.

  • How is interest calculated on Home Loans and Personal Loans?

    P&N Bank Home Loans and Personal Loans interest is calculated daily, and charged in arrears.

    Use our loan calculators to explore ways to pay off your loan sooner and learn how much money you could save in future interest payments. Our home loan calculator can help you get a better understanding on what your current loan will cost over its life, then see the results of making hypothetical changes. 

    Please refer to the Interest Rates section of our website for current interest rates on all of our Products.

  • What happens if I get sick, have an accident or lose my job and I can't pay my loan?

    When you took out your loan or credit card with us, you would have been offered optional insurance to cover unforeseen events like accidents and unemployment. 

    Please call 13 25 77 or visit your local branch so we can check whether you have insurance on your loan.

  • Can I pay off my personal loan faster?

    Most of our loans can be repaid at a faster rate which can reduce the cost of the loan to you. However, some loans contracts do not allow the loan to be paid out earlier.  

    Use our loan calculators to explore ways to pay off your loan sooner and learn how much money you could save in future interest payments. 

    To find out if your loan allows early repayment, please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.

     

  • Where can I find my minimum loan repayment?

    You can check your minimum monthly loan repayment on our Mobile App or Internet Banking.

    Mobile App
    Go to Accounts and reveal the information "i" icon. Extra loan information will display including you next payment due date and payment amount. 

    Internet Banking
    Go to the Account and expand the more details section (Tip: click on the ellipsis …). Your next payment and amount due will display. 

    If you need more help, please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.

  • Do I need to provide security for my Personal Loan?

    You may be asked to provide security for your personal loan, depending on your application and the amount you wish to borrow. Also, you’ll pay a much lower rate of interest if you choose a secured car loan versus an unsecured personal loan.

    Learn more about our secured personal loan

  • What is the maximum amount I can borrow on a personal loan?

    The maximum amount we can lend for a personal loan will depend on your personal circumstances, current income and expenses.  

    Our Personal Loan Repayment Calculator can help you figure out what your minimum weekly, fortnightly or monthly loan repayments would be for any borrowed amount. 

    To apply for one of our Personal Loans, you can submit an application online or call us on 13 25 77 or visit your local branch to speak with one of our lending specialists. Our team can review your current situation and guide you through the process. 

  • What can I use a personal loan for?

    We offer personal loans for almost any purpose, including weddings, buying a car, consolidating debts, going on a holiday just to name a few. 

    Our Personal Loan Repayment Calculator can help you figure out what your minimum weekly, fortnightly or monthly loan repayments would be for any borrowed amount. 

    To apply for one of our Personal Loans, you can submit an application online or call us on 13 25 77 or visit your local branch to speak with one of our lending specialists. Our team can review your current situation and guide you through the process. 
     

  • What is the minimum amount I can borrow for a personal loan?

    All our personal loans have a minimum loan amount of $5000.

    To apply for one of our Personal Loans, you can submit an application online or call us on 13 25 77 or visit your local branch to speak with one of our lending specialists. Our team can review your current situation and guide you through the process. 
     

  • Can I get a pay out figure for my personal loan?

    Yes, to obtain a payout figure please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.

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