BSB 806 015

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BSB 806 015

Car Buyers & Bag

Car Loan

low variable rate

Carsearch

help you find the best car at the best price

Car Insurance

$50 fuel voucher for new policies

& Transaction Account

no ongoing monthly fees*

Our Car Buyers & Bag will get you on the road.

It gives you the chance to mix and match a range of products to compliment your car purchase.

How it works

Available to new and existing members, the Car Buyers & Bag is centred on our Car Loan with a low variable rate of 6.99%p.a. (comparison rate 7.97%p.a.) when you secure your loan with your car.

Once your 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. 
  • QBE MemberCare Comprehensive Car Insurance – When you take out a new policy, you’ll receive a $50 Caltex fuel voucher. Terms & Conditions apply.
  • & Transaction Account - with no standard transaction or ongoing monthly fees.*

Get started

Talk to us about combining everything you need to buy and take care of your car in our Car Buyers & Bag today by completing our online form. We're here to help guide you through the journey.

A low variable rate and flexible personal loan that can be secured by a range of options like a new car, pre-owned car1 or new motorbike.

  • Car loan - Low interest rates when you secure your loan with your car.
  • 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
(Variable)
Comparison Rate
Secured Personal Loan 6.99% p.a. 7.97% p.a.

Fees & Charges

Monthly maintenance fee$10
Establishment fee$199

The table above covers all fees and charges related to this account.

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

1 Secured loans must be secured by a car less than 7 years old

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.

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.

Carsearch is a free, independent service for P&N Bank members who are looking to buy a new or pre-owned car.

What is Carsearch?

If you’re looking to purchase your next car, we can put you in touch with a professional car buying service that makes the process hassle free.

Our consultants have expert knowledge of the automobile market and can help you find the car you want, at the right price, saving you time and money.

With over 40 years in the industry, Carsearch’s specialists are experienced in negotiating with dealers and sellers, which makes the process smoother, more enjoyable, and, best of all, at no extra cost to you.

Carsearch features

Carsearch's services include:

  • Finding your new or pre-owned car.
  • Arranging a convenient time for you to inspect and test drive.
  • Arranging a mechanical inspection for pre-owned vehicles.
  • Negotiating a better purchase price.
  • Obtaining a better trade-in price for your current car.
  • Arranging all the official paperwork – transfer forms, registration forms, dealer order details and more.

How to use our Carsearch service

Using the Carsearch service is easy. Simply call 13 25 77 or complete our Carsearch form.

When you let the consultants know the type of car you’re looking for and your budget, they’ll take care of the rest.

Protect your most important asset. With QBE MemberCare Comprehensive Car Insurance, you can pay less for service you can trust. And if something were to happen to your car, you’ll have peace of mind knowing that QBE will get you back on the road as soon as possible.

Take out a new policy and you’ll receive a $50 Caltex fuel voucher. Terms & Conditions apply.

QBE MemberCare Comprehensive Car Insurance has a range of unique benefits to help new and existing members:

  • 4 year new car replacement cover (optional)
  • Finance Gap Cover
  • Choice of Repairer
  • Unlimited excess free windscreen/window glass claims (optional)

In addition to the above, the policy includes other benefits to protect your car, including wonderful service from the experienced claims team at QBE. Fast, personal and available 24/7, they are ready to support you throughout the claims process.

Benefits Include Comprehensive
(incl. 30+
Nominated Driver)
Accidental loss or damage to your car
14 day hire car following theft
Windscreen or window glass breakage cover option
4 year new car replacement option
Repairs or replacement of single box trailer
Towing costs following loss or damage
Essential temporary repairs
Cover for personal items damaged in an accident
Hire car after accident option
Emergency accommodation and transport costs
Finance Gap cover
Uninsured motorist benefit
Legal liability for damage caused by your passenger to another person's property
Legal liability for other people driving your car
Legal cost incurred in relation to legal liability cover

View Product Disclosure Statement (PDS)

 


Get started

6.99 % p.a. Interest Rate

7.97 % p.a. Comparison Rate

Get started

Helpful tools

*Non standard transaction fees and other bank and ATM fees may apply.

Lending criteria and fees and charges apply. Terms and conditions apply and are available on request. The information you provide will be used to respond to your enquiry. If you would like to access the information we hold about you please call us on 13 25 77 Monday to Friday between 8am and 6pm. You should consider the Product Disclosure Statement in deciding whether to acquire the & Transaction Account and should also consider whether it is appropriate for you.

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. Minimum loan $5,000. 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.

Any advice given is general only and does not take into account your personal objectives, financial situation or needs. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 is the issuer of the MemberCare insurance policies. The product is not a product of, nor guaranteed by P&N Bank who will receive a commission payment of up to 12.5% of the premium for arranging a policy sale.

Full terms and conditions of the promotion (including limitations and exclusions) are available at pnbank.com.au. Provision of the $100 Caltex fuel card is for new policies only (not renewals) and will be sent after 28 days from inception of the policy subject to the policy not being cancelled.

Carsearch is independent to P&N Bank.

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