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Apply online

Get an answer in minutes with a quick and easy online application.

Fixed interest rate

Peace of mind with a rate that won't change over the loan term.

Pay it off early

Want to pay off your loan faster? We won't charge fees for extra payments.

Redraw instantly

It’s free and easy to access your extra payments, with no minimum amount.

Small on rate. Big on benefits.

Our fixed-yet-flexible car loan secured against your car, has a competitive fixed rate providing certainty of repayments. Then enjoy the flexibility to make extra payments and save on interest, as well as access the additional repayments anytime you need. 

To sweeten the deal, you can easily apply for your car loan online and get a response in minutes. Or if you'd rather speak with us, give us a call or pop into your local branch to apply in-person.

Which car loan suits you best?

Secured car loan

A personal loan with a fixed rate and choice of loan term, secured by a motor vehicle up to seven years old.

% p.a.
Fixed rate
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Comparison rate*

Unsecured car loan

An unsecured personal loan with a fixed rate and choice of loan term. Minimum amount of $5,000.

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

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.

What will your car loan repayments be?

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

Repayment calculator

More calculators

A guide to car finance

The purchase of a new car is often one of the biggest purchases we make, and there are multiple options available to help finance your purchase.

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.

20 things you need to know when buying a new car

Buying a new car can be an overwhelming process if you haven’t done it before. Check out our tips of things to consider when buying your new car.

How to apply for a car 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

We're here to help

Talk to us

Whether you’d prefer to chat to us over the phone, in person, or online, you can get in touch.

Find a branch

We’ve got branches all over the Perth region, and as far south as Bunbury.

Get answers online

We’ve got heaps of info and answers to your questions in our comprehensive help centre.

Your car loan questions answered

Yes, we offer unsecured personal loans to purchase a car or motor vehicle of any age. The minimum loan amount is $5,000, and you will get the benefit of a fixed rate and a range of flexible features.

If the car you’re buying or refinancing is less than seven years old, you can apply for a car loan - which is a basically a secured loan for the purpose of buying a car.
If the vehicle is older than seven, you may be able to get an unsecured loan instead.
Securing the loan simply means that we’ll register an interest on the car at the Personal Property Securities Register (PPSR).
You can read more about this in our Personal Loan Terms and Conditions.

Interest on your personal loan is calculated daily, and then charged at the end of each month. Which means that each day you have a reduced balance on your loan account, you are paying less interest.
Say for example, you get a tax return and are not sure what to do with it. Consider putting it towards your personal loan and you'll save on interest charges. With the redraw available on your personal loan you'll have the option to redraw the funds again if and when you need them.

A secured personal loan is where your loan is secured by a motor vehicle that is less that 7 years old. So, you might use the car you’re buying as security for your car loan, or you might use a car that you already own, to secure a personal loan for a well deserved holiday. Secured personal loans are often offered at a lower interest rate.
On the other hand an unsecured personal loan doesn’t require any security.

Yes, we can assess your personal loan application and provide you with a loan pre-approval so you can shop for a car with confidence.

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.