Skip to main content

Great fixed rates

Competitive interest rates. No nasty surprises.

Flexible repayments

Pay extra or redraw if you’re ahead.

Pay it off sooner

Save money by paying your loan off early with no penalties.

Apply online

Complete your application online for a response in minutes.

Choose the personal loan that suits you

Secured personal loan

A personal loan with a fixed rate and choice of loan term, secured by a motor vehicle.

% p.a.
Fixed rate
% p.a.
Comparison rate*

Unsecured personal loan

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

% p.a.
Fixed rate
% p.a.
Comparison rate*

What will your repayments be?

Find out what your repayments will be, and how much you can you save if you make extra payments to your loan. Because who doesn’t like saving money?

Repayment calculator

More calculators

Buy a car

Our secured fixed rate car loan can help you get into a new set of wheels.

Consolidate your debts

Save money and pay off your debts sooner with our competitive interest rates and flexible repayment options.

Travel or holiday

Visit your loved ones or make your dream destination a reality with a personal loan for travel.

What's the personal loan application process like?

Apply for your loan online

You can even upload your ID and supporting documents with our loan application portal, Loan Tracker.

Assessment and approval

You’ll get an instant response, and we’ll get in touch if we have any questions or require any more information.

Sign on the dotted line

It’s time to sign your loan contract. We can send your contract electronically, or you can sign it at your local branch.

Your loan is funded!

In other words, you’ve got your money. Set up your repayments online and make the most of the flexible options.

How to apply for a personal loan

We’ve made applying for your personal loan easy as.

Apply online, 24/7

Complete your details, save and submit your application, upload your supporting documents and track your application. 

Apply for a personal loan

If you’re an existing member you can fast track your application by applying from internet banking. We’ll prefill the information we already have about you.

Apply in person or over the phone

Talk to a lending specialist and apply over the phone by calling our local contact centre on or pop into your nearest branch.

Applying for your personal loan is quicker and easier when you've got the information you need, so be prepared with your:

  • Identity documents – primary photo ID either your passport or driver's licence.
  • Employment details – contact details of your current, and previous employer if less than 2 years.
  • Income details – payslips or, if you're self-employed, tax assessments for the last two years and financial statements.
  • Regular expenses – such as food, rent, electricity, telcos, insurance & medical costs.
  • Assets – a rundown of any assets that you own (any cars, deposit accounts, home contents, properties, investments).
  • Liabilities – the details of any loans, credit cards, pay later or other debts you have.

Got everything? Let’s get your application started.

Start my personal loan application

Apply online. It’s quick and easy.

Complete, save, submit and track your application with Loan Tracker.

Apply on the phone or in person

Call us on 13 25 77 or talk to the team at your nearest P&N branch.

Not sure a personal loan is right for you?

Get in touch with our lending specialists or check out our credit cards.

You may also be interested in:

Financial wellbeing and why it’s important

We've explained what financial wellbeing is, and why it's important to help you get financially healthy this year.

Personal loans: Secured vs. Unsecured

Personal loans are a popular way to finance large purchases. Understanding the differences can help you make an informed decision.

Consolidating debts to save money

Managing multiple debts can be difficult, so consolidating them may help you simplify your repayments - and maybe even save you some money.

Important information

Banking and Credit products issued by Police & Nurses Limited (P&N Bank).

Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms & conditions, fees & charges apply. 

Please consider the terms and conditions and whether a product is right for you.

*Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. 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.