Why choose Newcastle Permanent


  • Low interest rate
  • No ongoing fees
  • No early exit penalty


  • Application fee charged
  • No redraw facility
  • Cannot apply online

Newcastle Permanent Personal Loans

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Australian Credit Licence 238273Fees & charges apply





Personal Loan Unsecured
  • 1 to 7 years
  • Unsecured
  • Fixed Rate
  • No ongoing fees

Australian Credit Licence 238273Fees & charges apply

Personal Loans calculator

Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.


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based on a $30,000 loan for 5 years at 8.99%

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Features of a Newcastle Permanent personal loan

Newcastle Permanent personal loans have a fixed rate and can either be secured to an asset, like a vehicle or property, or unsecured. Borrowers can take out a Newcastle Permanent personal loan for periods between one and seven years.

A Newcastle Permanent personal loan offers a range of attractive features, including flexible repayments and no penalties for paying out the loan early. The flexible repayment schedule means that you can make weekly, fortnightly or monthly repayments. This feature is useful as the more frequently you make repayments, the less interest you’ll end up paying in the long run.

Being able to pay out the loan early without penalty is also a plus. It means you can make extra repayments along the way, and if you can afford to pay off the loan early, you can save on the total amount of interest you would otherwise have to pay. There’s no redraw facility attached to these loans, so any extra repayments cannot be re-accessed once paid into the loan.

Newcastle Permanent personal loans can be used for a range of different purposes including:

  • New and used cars
  • Motorcycles
  • Boats
  • Student loans
  • Debt consolidation
  • Renovations
  • Shares
  • Holidays
  • Medical bills
  • Weddings and events

Newcastle Permanent personal loans – customer service

Customers looking to contact Newcastle Permanent customer service can call the bank, send an online enquiry form or pop into a branch in NSW. Borrowers can also contact customer service via:

  • Online enquiry
  • Email
  • Phone, Mon-Fri 8am-8pm and Sat-Sun 8am-4pm (AEST)
  • Branch

Who is eligible for a Newcastle Permanent personal loan?

To be eligible for a Newcastle Permanent personal loan, you’ll need to meet the following criteria:

  • Be at least 18 years old  
  • Be an Australian citizen, permanent resident or have a valid visa
  • Have a regular income

How to apply for a Newcastle Permanent personal loan?

To apply for a Newcastle Permanent personal, borrowers can enquire online or in branch if you’re in the Hunter area of NSW. The application process is simple and involves the following steps:

  • Once you’ve compared and selected a personal loan, make an enquiry through the Newcastle Permanent website
  • Once you’ve submitted your application, Newcastle Permanent will review your application and reply within two to five business days
  • If your application is approved, a Newcastle Permanent personal loan representative will take you through the next steps
  • Upon final approval, you can accept your contract online and the funds will be credited to your loan account

At the time of application, you’ll need to provide the following documentation:

  • Proof of identity
  • Proof of income and employment including payslips
  • Details of any other financial commitments

Newcastle Permanent personal loans review

Whether it’s a holiday, car, wedding or renovation, Newcastle Permanent personal loans can be used for a variety of purposes which make them appealing to a wide range of borrowers. Borrowers can choose between weekly, fortnightly or monthly repayments.

Borrowers looking for a personal loan can choose a secured, partially secured or an unsecured loan though Newcastle Permanent. Borrowers looking for certainty in their repayment amounts will benefit from the fixed interest rates offered across all Newcastle Permanent personal loans.

When it comes to interest rates, the rate for a secured personal loan is moderately low, while the rate for the partially secured and unsecured personal loan is moderate. While there are no ongoing account-keeping fees, no early repayment penalties and no restrictions on additional repayments, there’s a higher-than-average upfront establishment fee, missed payment fee and a substitution of security fee.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.