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 7 years of age.

Variable interest rate



Weekly, fortnightly or monthly

Redraw facility


Early payout


When you’re in the market for a new or second hand car you can access our low interest rate by offering your car as security. 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 interest rate when you secure your loan with your car which is less than 7 years old.
  • Pay your loan off sooner - make additional repayments and pay your loan off faster.
  • Redraw facility - access the extra payments you've made into your loan when you need the funds.
  • Flexible repayments - choose from weekly, fortnightly or monthly repayments.
  • No termination fees - no penalty for paying your loan out early.
  • Go the distance - loans can be arranged for between 2 to 5 years in length.
  • For loans of all sizes - obtain a loan that suits your needs starting at $5,000.

Interest rates

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

Ready to apply or want to find out more?

Apply online today or call us on 13 25 77 8am - 6pm Mon - Fri and 9am - 5pm Sat (AWST)

Call 13 25 77


Car Buyers & Bag

The Car Buyers & Bag is centred on our Car Loan with a low variable rate when you secure your loan with your car.

Once your Car Loan loan is in place, you can choose to add any of the products and services below to create a combination that suits your needs.

What can you put in your Car Buyers & Bag?

Carsearch - a free service where a vehicle broker will find you the best car at the best price to suit your needs.

& Transaction Account - with no standard transaction or ongoing monthly fees.*

Talk to us about combining everything you need to buy and take care of your car in our Car Buyers & Bag today.

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 Personal 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 Request appointment

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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