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Whatever your personal loan needs are, we’d like to make it as easy as possible for you to apply.

Apply quickly and conveniently online now, or if you'd prefer to speak with a lending specialist, you can apply over the phone on 13 25 77 or visit one of our branches during business hours.

Start personal loan application

Important information before you apply

The easiest and fastest way to apply for a car loan or personal loan with P&N Bank is to apply online. 

  • Apply in 10 to 15 minutes – you can save and resume your application at any time.
  • If you are not currently a member of P&N Bank, you will become a member if your application is accepted.
  • Get an instant response and verification checklist to progress your loan.
  • Upload your documents to verify your details.
  • Receive your contract online – sign, scan and return.

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.

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.

If you are self-employed, you must first speak with a consultant over the phone or at a branch. Unfortunately, we cannot accept applications online where you need to verify self-employed income.

By proceeding:

  • You agree you have read and agree to the terms of the Privacy Statement and Consent, which includes consent to P&N verifying your identity electronically with document issuers.
  • You agree that P&N may contact you by phone, email, SMS and/or any other electronic form of communication regarding this application.
Start personal loan application

Same day personal loans now a reality with P&N Bank

Eligible P&N Bank members are now able to secure their money on the same day they applied for a personal loan.

Personal loans: Secured vs. Unsecured

Understanding the differences between secured and unsecured loans can help you make an informed decision when choosing the best loan option.

Your credit rating: What it is and how to check it

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