Personal loan · Unsecured · Fixed
Fixed Unsecured Personal Loan
10.37%comparison rate p.a.
from 9.74% advertised · Unsecured · fixed · any purpose
43rd of 84 unsecured loans
Comparison rates are based on a loan of $30,000 over 5 years, secured or unsecured as each loan is. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Fees: $199 application.
- Advertised rate
- from 9.74% p.a.
- Application fee
- $199
- Loan amount
- $5,000 – $100,000
- Minimum age
- 18
- Comparison rate
- 10.37% p.a.
- Monthly fee
- None
- Advertised rate
- from 9.74% p.a.
- Comparison rate
- 10.37% p.a.
- Rate type
- Fixed
- Application fee
- $199
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Late payment fee
- $5
- 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
- Minimum age
- 18
- Fixed Unsecured Personal Loan
- RBA cash rate
- Unsecured average
No changes recorded for this product since tracking began on 12 September 2026.
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.
Also from P&N: Fixed Secured Personal Loan 8.65%
As of 2 November 2026, the P&N Fixed Unsecured Personal Loan has a comparison rate of 10.37% (from 9.74% advertised), ranking 43rd of 84 unsecured loans tracked by BankMate and sitting 0.27 points below the unsecured market average of 10.64%. It is an unsecured fixed-rate loan for any purpose with fees of $199 application. Lenders publish the lowest rate in their range; the rate offered depends on the applicant. From the provider's Consumer Data Right feed, refreshed nightly.