Australia is car country.
Looking for your next set of wheels? A Beyond Bank Car Loan can help get you into the driver’s seat sooner, whether you’re:
- buying your first car
- upgrading to something more reliable
- a growing family in need of a larger model
- looking to go electric.
All our car loans come with:
Competitive fixed rate with 1-7 year loan term
Unlimited extra repayments
Easy online repayments
Other perks.
- Option to borrow up to 150% of the value of your vehicle. Handy for expenses like insurance or registration. Not available with our Low Rate Car Loan (Special Offer)
- Redraw available. Access additional repayments you've made with free redraw via Internet and Mobile Banking¹
- Flexible repayment frequency. Choose to pay weekly, fortnightly or monthly
- Also available for motorbikes or caravans. However you choose to cruise, we’ve got a loan to suit
- A customer-owned bank. When you become a customer of Beyond Bank, you also become an owner and shareholder. Learn more about us
Find out which loan is right for you.
^ Includes Security Administration Fee. View our Fees and Charges Booklet for the full details of other loan fees and service fees that may apply. See all car loan rates, fees, and charges
See the difference extra repayments could make.
In a position to make additional repayments on your car loan? Work out how much you’ll save on interest and when your repayments will end.
How to apply for a Beyond Bank Car Loan.
1. Check eligibility
To take out a Beyond Bank Car Loan, you must be:
- 18 years or over
- an Australian citizen, permanent Australian resident, or hold a valid visa.
2. Prepare documents
Have the following information handy:
- proof of income – either directly paid to your Beyond Bank account for at least 3 months or your 2 most recent pay slips
- bank statements for any accounts, loans, credit cards, or investments held with another financial institution
- information on any other liabilities – for example, any debt from buy now, pay later services
- your employment details for the last two years
- your Australian driver’s licence.
3. Apply online or visit a branch
You can apply online or at a branch. If everything looks good, you’ll receive pre-approval (valid for 120 days with the Low Rate Car Loan or 60 days with the Flexi Car Loan).
For final approval on the loan, we’ll need the following documents.
- If you’re buying from a dealer or auction, you’ll need to supply a dealer’s tax invoice or contract of sale
- If you're buying privately, you'll need to provide the registration papers.
We’ll then email you to confirm your application has been approved, along with a contract for you to review and accept. Once accepted, we’ll transfer the loan funds to the seller.
If you choose to borrow more than the value of your new car, we’ll transfer the remaining value of the loan into your nominated account.
Still have some niggling questions?
Loans can be confusing, which is why we’re here to make the complicated stuff simpler. You can call us on 13 25 85 or visit a branch to speak with a Lending Specialist.
More help with your next car.
The complete car buying guide
Everything you need to know about buying a car and arranging finance, in one place.
What you need to know
EV incentives by state
If you’re thinking of purchasing an electric vehicle (EV), then it’s worth looking at the benefits your state government has in place.
Go to article
Car loans FAQs.
A redraw facility allows you to access extra repayments you have made on your loan over and above the required minimum repayments.
An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount.
Transfers made on Internet Banking and Mobile Banking can take up to 24 hours to process. For immediate transfers please call us on 13 25 85 or visit a branch.
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When you take out the loan, a car loan establishment fee is charged to your account. It is charged at the beginning of the loan when the loan money is deposited into your nominated account or if a transfer is made for a purchase.
Speak to us on 13 25 85 or in a branch or see our Fees and Charges Booklet to find out more about the fees applicable to your specific loan type.
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Please call us on 13 25 85 or visit your neararest branch before applying so that we can discuss your situation and provide you with relevant information.
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You will need to call us on 13 25 85 or visit your nearest branch to get your final payout figure.
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Yes, you can make additional or lump sum payments on your Beyond Bank car loan. We do not charge early repayment fees.
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Why Beyond Bank?
Get to know us a little better. About us
We’re customer-owned
Community focus
Proudly B Corp Certified
A long history of lending
Help is here.
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Please read this important information.
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Comparison rates are based on a secured loan (unless otherwise indicated) of $30,000 with monthly repayments over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. |
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Interest rates are current as at 10 June 2025 and are subject to change. |
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Borrowers who acquired or applied for these products before this date may have a different interest rate. |
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Our Low Rate Car Loan Special Offer is only available for the purchase of new or used cars, caravans, camper trailers, marine craft and motorbikes manufactured within the current or previous two calendar years where the minimum new borrowing amount is $5,000 and where the loan amount does not exceed the purchase price. No package benefits or further discounts will apply. |
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Minimum redraw amount is $500. Free redraw in-advance amounts at any time through Internet Banking and Mobile Banking. Fees apply for staff-assisted redraw. An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount. |
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Please note that transfers made on Internet Banking and Mobile Banking can take up to 24 hours to process. For immediate transfers please call us on 13 25 85 or visit a branch. |
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Calculator by Widget Works. |
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All applications for credit are subject to Beyond Bank’s credit assessment criteria. Terms and conditions are available on request. Fees and charges apply. This information is available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. |
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All products and services are provided by Beyond Bank Australia Ltd, 100 Waymouth Street, Adelaide, SA 5000, ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2026. |
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Not all car loans are eligible for the establishment fee waiver. Please talk to your lending specialist to find out if your car loan is eligible. |