BSB 806 015

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BSB 806 015

Unsecured Personal Loan

An unsecured personal loan with a fixed rate and choice of loan term.

Interest rate

Low fixed rate

Apply online

Response in minutes

Redraw facility

Free 24/7, with no minimum amount

Early payout

No fees charged

An unsecured personal loan with a fixed rate and flexible loan term, where the funds can be used for any personal reason – from buying your next car to financing a well-deserved holiday.

  • Fixed interest rate - enjoy the peace of mind of a fixed interest rate where it will not change during the term of the loan..
  • Quick and easy online application - get a response within minutes.
  • Pay off your loan 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, with no minimum amount.
  • Flexible loan options - personal loans starting from $5,000, available over terms of one - seven years.

Interest rates

Product Name Rate
Comparison Rate
Fixed Unsecured Personal Loan 9.99% p.a. 10.65% p.a.

Ready to apply?

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

 Apply todayMore information What are my repayments?

Frequently asked questions

  • How are unsecured personal loans different from secured personal loans?

    You don’t need to provide any security (collateral) for an unsecured loan. With a secured loan, you will provide an asset as security against what you are borrowing (in the case of a car, the vehicle would typically act as collateral).

  • Is there a limit on what I can use my personal loan for?

    You can use your personal loan from P&N Bank for almost any purpose – including financing a wedding, buying a car, going on holiday, or debt consolidation, to name a few.

  • What details do I need to provide to apply for an unsecured personal loan?

    To apply for an unsecured personal loan, we will require some important details from you, including your verifiable residential address, your verifiable Australian taxable income, and a breakdown of your regular monthly expenses. Details about your regular income and expenses will help us determine your financial situation and ensure that we only provide you with a personal loan that’s affordable and realistic for you to repay.

  • How can I determine my personal loan repayments?

    Use our personal loan repayment calculator to get the estimated total amount payable and a breakdown of what your weekly, fortnightly, or monthly repayments will be. The calculator is easy to use; just select your personal loan amount, loan term, interest rate and repayment frequency to get an instant estimate.

  • Will applying for an unsecured personal loan impact my credit rating?

    Making a formal application for any kind of finance product, whether it be a home loan or an unsecured personal loan, will require a credit check. A credit check is performed to determine your level of risk and is a legal requirement to ensure that the financial institution is giving you a loan you can afford to repay.

  • Does P&N Bank have an Australian Credit Licence?

    Yes, our Australian Credit Licence is 24070. You can apply for a personal loan with P&N Bank with peace of mind that we observe responsible lending requirements.

Unsecured Personal Loan fees & charges

Monthly maintenance fee$5
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 an Unsecured Personal Loan with P&N Bank. Simply get all your details ready and choose how to apply.

How to apply

Apply online

Complete, save and submit your personal loan application online, and receive a response within minutes. You can even upload any required documents using Loan Tracker. 

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 friendly loan consultants will help you with your personal loan application.

What you need

You’ll need two forms of identification – you can use your Australian driver's licence, Australian passport or Medicare card.

During your application we’ll ask you to provide information, such as:

  • your income
  • regular expenses (e.g. rent, general living expenses, insurance etc)
  • any assets you own (e.g. value of any cars, deposit accounts, properties, etc)
  • any loans, credit cards or other amounts owing 

9.99 % p.a. Interest Rate

10.65 % p.a. Comparison Rate

Apply Enquire


Credit products issued by Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Lending criteria, terms & conditions, fees & charges apply. Rates subject to change. Target Market Determinations (TMDs) are available for products.

Comparison rate calculated based on $30,000 over a term of 5 years on monthly repayments for secured and unsecured loans. Rates quoted may vary depending on loan purpose and security offered. WARNING: This 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).

View Personal Loan Terms and Conditions

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