Why choose P&N Bank


  • Moderately low interest rates available
  • Redraw facility option
  • No early exit penalty fee


  • No branches outside Western Australia
  • Above-average upfront fee
  • Ongoing monthly fees

P&N Bank Personal Loans

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Total repayments

Australian Credit Licence 240701Fees & charges apply



up to 8.9%



Fixed Secured Personal Loan
  • 1 to 7 years
  • Secured
  • Fixed Rate

Australian Credit Licence 240701Fees & charges apply

Australian Credit Licence 240701Fees & charges apply





Fixed Unsecured Personal Loan
  • 1 to 7 years
  • Unsecured
  • Variable Rate

Australian Credit Licence 240701Fees & 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 8.24%

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Features of a P&N Bank personal loan

P&N Bank has a limited range of personal loan options. Secured and unsecured loans are available, and all personal loans come with variable interest rates.

Borrowers from P&N Bank can expect to pay an upfront fee that is above average compared to the major banks.

There is a low ongoing monthly fee associated with P&N Bank personal loans. However, members who wish to pay off their loan early will not receive a penalty fee.

P&N Bank personal loan rates vary from moderately low to moderate depending on the type of loan chosen. A redraw facility is also available for people who wish to borrow back money already paid off their loan.

P&N Bank personal loans - customer service

P&N Banks has 14 branches for its customers to visit, all of which are located in Western Australia, mostly around Perth.

Members of P&N Bank also have access to banking services by phone or online.

Who is eligible for a P&N Bank personal loan?

Applicants for P&N Bank personal loans must meet the following eligibility criteria to secure a loan:

  • Be over 18
  • Pass a credit check
  • Have a history of employment
  • Have a vehicle for a secured loan

How to apply for a P&N Bank personal loan

P&N Bank accepts the following methods of application for personal loans:

  • Visit a branch
  • Apply online at the P&N Bank website
  • Apply by phone

P&N Bank personal loans review

P&N Bank offers a limited range of personal loan options, all of them with variable interest rates. Those who are looking for fixed interest rates will need to search elsewhere for a suitable personal loan.

Personal loan interest rates from P&N Bank range from moderately low to moderate. While this may offer some cost-saving potential, borrowers looking for very low interest rates may be better off shopping around further.

There is also a higher-than-average upfront fee and low monthly ongoing fees for P&N Bank personal loans. Borrowers who want to save on such fees might have to borrow from another lender.

A redraw facility is available for customers who wish to borrow back money already paid off their loan. This level of flexibility could be appealing to those who want to borrow a conservative amount initially with the option to borrow more later on if needed.

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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.