BSB 806 015

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BSB 806 015

Car Loan

A low variable interest rate loan when you're purchasing a motor vehicle less than seven years old.

Interest rate

Low variable rate

Apply online

Response in minutes

Redraw facility

Free 24/7

Early payout

No fees charged

Our low variable rate car loan is designed to suit a range of needs with flexible options to help you manage your repayments. 

  • Secured loan - low variable interest rate when you use a car less than seven years old as security.
  • Quick and easy online application - get a response within minutes.
  • Pay your loan off sooner - we won't charge you any fees for making additional repayments to pay off your loan faster.
  • Redraw facility - access the extra payments you've made into your loan when you need the funds.
  • Flexible loan options - loans starting from $5,000, available over terms of two - five years.

Interest rates

Product Name Rate
Comparison Rate
Secured Personal Loan 6.81% p.a. 7.80% p.a.

Ready to apply?

  • You can apply online - no branch visits required unless you want to come see us in person.
  • Track your application in real time and upload supporting documents using our Loan Tracker.
  • Existing member? We’ll pre-fill your application to make your experience even easier!


Secured Personal Loan fees & charges

Monthly maintenance fee$10
Establishment fee$199

Other fees & charges that apply to all of our accounts can be found on our fees and charges page.

It’s easy to apply for a Secured Car Loan with P&N Bank. Simply get all your details ready and choose how to apply.

Am I eligible?

To be eligible for a P&N Bank personal loan, you must:

  • Reside in Western Australia OR be an existing P&N Bank member
  • Be an individual, 18 years of age or older
  • Be an Australian Citizen or Permanent Resident
  • Have a regular income

How to get started

Apply online

Complete, save and submit your personal loan application online. If you need help, talk to us using web chat or call us.

In person

Apply for a personal loan in person at your nearest branch. Make sure to bring all the documents you need with you.

Over the phone

Call us on 13 25 77 and one of our local loan consultants will help you with your home loan application.

What you need

You’ll need two forms of identification – choose from Australian driver's licence, Australian passport or Medicard card. 
During your application, we’ll ask you details about your financial situation, including:

  • Your income (before and after tax, and how often)
  • Expense details (e.g. general living expenses, rent and insurance).
  • Information about any assets you own (e.g. value of any cars, deposit accounts, homes or other assets)
  • Information about any liabilities you owe (e.g. personal or home loans, credit or store cards)
  • You need to read and agree to our privacy statement, terms and conditions and the product disclosure statement.

6.81 % p.a. Interest Rate

7.80 % p.a. Comparison Rate

Apply Enquire

Comparison rate is calculated based on $30,000 over 5 years for secured and unsecured loans. WARNING: The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Other fees & charges that apply to all of our accounts can be found on our fees and charges page.

To use this website you are required to read the Credit Guide (which you agree to be provided by accessing this link). Lending criteria apply. Terms and conditions apply and are available on request. Rates stated are subject to change without notice. Fees and charges are payable.

View Personal Loan Terms and Conditions

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