- /
- Personal loans
For us, every loan is personal
Whatever you need a personal loan for, we’ve got competitive rates, flexible interest-saving options, and your best interests at heart.
Apply online Repayment calculator
Great fixed rates
Competitive interest rates. No nasty surprises.
Flexible repayments
Pay extra or redraw if you’re ahead.
Pay it off sooner
Save money by paying your loan off early with no penalties.
Apply online
Complete your application online for a response in minutes.
I'm looking for help with:
- Buying a car
- Secured personal loan
- Unsecured personal loan
- Consolidating my debt
- Calculating my repayments
- Managing my personal loan
Choose the personal loan that suits you
Secured personal loan
A personal loan with a fixed rate and choice of loan term, secured by a motor vehicle.
8.24
% p.a.
Fixed rate
8.90
% p.a.
Comparison rate*
Learn more Apply online
Unsecured personal loan
An unsecured personal loan with a fixed rate and choice of loan term.
9.99
% p.a.
Fixed rate
10.65
% p.a.
Comparison rate*
Learn more Apply online
What will your repayments be?
Find out what your repayments will be, and how much you can you save if you make extra payments to your loan. Because who doesn’t like saving money?
Repayment calculator
Calculate repayments
More calculators
View all calculators
Personal loans for any purpose
Buy a car
Our secured fixed rate car loan can help you get into a new set of wheels.
Consolidate your debts
Save money and pay off your debts sooner with our competitive interest rates and flexible repayment options.
Travel or holiday
Visit your loved ones or make your dream destination a reality with a personal loan for travel.
What's the personal loan application process like?
Apply for your loan online
You can even upload your ID and supporting documents with our loan application portal, Loan Tracker.
Assessment and approval
You’ll get an instant response, and we’ll get in touch if we have any questions or require any more information.
Sign on the dotted line
It’s time to sign your loan contract. We can send your contract electronically, or you can sign it at your local branch.
Your loan is funded!
In other words, you’ve got your money. Set up your repayments online and make the most of the flexible options.
How to apply for a personal loan
We’ve made applying for your personal loan easy as.
Apply online, 24/7
Complete your details, save and submit your application, upload your supporting documents and track your application.
Apply for a personal loan
If you’re an existing member you can fast track your application by applying from internet banking. We’ll prefill the information we already have about you.
Apply in person or over the phone
Talk to a lending specialist and apply over the phone by calling our local contact centre on 13 25 77, or pop intoyour nearest branch.
Applying for your personal loan is quicker and easier when you've got the information you need, so be prepared with your:
- Identity documents – primary photo ID either your passport or driver's licence.
- Employment details – contact details of your current, and previous employer if less than 2 years.
- Income details – payslips or, if you're self-employed, tax assessments for the last two years and financial statements.
- Regular expenses – such as food, rent, electricity, telcos, insurance & medical costs.
- Assets – a rundown of any assets that you own (any cars, deposit accounts, home contents, properties, investments).
- Liabilities – the details of any loans, credit cards, pay later or other debts you have.
Got everything? Let’s get your application started.
Start my personal loan application
We’ve made applying for your personal loan easy as.
Apply online, 24/7
Complete your details, save and submit your application, upload your supporting documents and track your application.
Apply for a personal loan
If you’re an existing member you can fast track your application by applying from internet banking. We’ll prefill the information we already have about you.
Apply in person or over the phone
Talk to a lending specialist and apply over the phone by calling our local contact centre on 13 25 77, or pop intoyour nearest branch.
Applying for your personal loan is quicker and easier when you've got the information you need, so be prepared with your:
- Identity documents – primary photo ID either your passport or driver's licence.
- Employment details – contact details of your current, and previous employer if less than 2 years.
- Income details – payslips or, if you're self-employed, tax assessments for the last two years and financial statements.
- Regular expenses – such as food, rent, electricity, telcos, insurance & medical costs.
- Assets – a rundown of any assets that you own (any cars, deposit accounts, home contents, properties, investments).
- Liabilities – the details of any loans, credit cards, pay later or other debts you have.
Got everything? Let’s get your application started.
Start my personal loan application
Apply online. It’s quick and easy.
Complete, save, submit and track your application with Loan Tracker.
Get started
Apply on the phone or in person
Call us on 13 25 77 or talk to the team at your nearest P&N branch.
Contact us
Not sure a personal loan is right for you?
Get in touch with our lending specialists or check out our credit cards.
Discover our credit cards
Help & support
Financial hardship
Are you struggling financially or worried about your personal loan repayments? If you’re concerned about your current financial position, we’re here to help.
Get help
Help with my personal loan
Do you have an existing personal loan you’d like help with? Perhaps you have a question about your loan redraw, or would like to top-up your loan.
Help with my personal loan
You may also be interested in:
Financial wellbeing and why it’s important
We've explained what financial wellbeing is, and why it's important to help you get financially healthy this year.
5 min read • 10 Jan 2024
Read more
Personal loans: Secured vs. Unsecured
Personal loans are a popular way to finance large purchases. Understanding the differences can help you make an informed decision.
3 min read • 16 Jun 2023
Read more
Consolidating debts to save money
Managing multiple debts can be difficult, so consolidating them may help you simplify your repayments - and maybe even save you some money.
3 min read • 17 Aug 2023
Read moreImportant information
Banking and Credit products issued by Police & Nurses Limited (P&N Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria,, apply.
Please consider the terms and conditions and whether a product is right for you.
- View terms and conditions
- View fees and charges
- View credit guide
- View Target Market Determinations (TMDs)
*Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates quoted may vary depending on loan purpose and security offered.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
