As of 18 September 2026, the P&N Fixed Unsecured Personal Loan has a comparison rate of 10.37% (from 9.74% advertised), ranking 139th of 212 unsecured loans tracked by BankMate and sitting 6.76 points below the unsecured market average of 17.13%. It is an unsecured 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.
10.37%comparison rate p.a.
from 9.74% advertised · Unsecured · fixed · car loan
Fees: $199 application.
Rate over time
Comparison rate · lenders publish the lowest rate in their range- Fixed Unsecured Personal Loan
- RBA cash rate
- Unsecured average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates
- Advertised rate
- from 9.74% p.a.
- Comparison rate
- 10.37% 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 – $100,000
- 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
An unsecured personal loan with a fixed rate and choice of loan term. Whether it's a car, home improvements or a dream holiday, P&N have you covered.