As of 18 September 2026, the P&N Fixed Secured Personal Loan has a comparison rate of 8.65% (from 7.99% advertised), ranking 31st of 48 secured loans tracked by BankMate. It is a secured fixed-rate loan for car loan with fees of $199 application. Lenders publish the lowest rate in their range; the rate offered depends on the applicant.
8.65%comparison rate p.a.
from 7.99% advertised · Secured · fixed · car loan
Fees: $199 application.
Rate over time
Comparison rate · lenders publish the lowest rate in their range- Fixed Secured Personal Loan
- RBA cash rate
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates
- Advertised rate
- from 7.99% p.a.
- Comparison rate
- 8.65% p.a.
- Rate type
- Fixed
Fees
- Application fee
- $199
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Late payment fee
- $5
Loan terms
- Loan amount
- $5,000 – $150,000
- Loan term
- 1 year to 7 years
- Extra repayments
- Yes
- Early payout
- Yes
- Redraw
- Yes
- Flexible repayment frequency
- No
Eligibility
- Minimum age
- 18
About this product
If you are after a fixed rate personal loan with a choice of loan term that is secured by a motor vehicle, P&N have you covered.