For and with you

Low Rate Car Loan

7.99 % p.a. Interest Rate.
8.37 % p.a. Comparison Rate.*

With a low interest rate, minimal fees and flexible repayment options, our Low Rate Car Loan makes it easier to purchase your new car.

A car loan with a low rate.

Know your rate won’t change with a low, fixed interest rate.
Borrowing options
Borrow up to 150% of the value of your car.
We can approve your car loan in advance, so you can search for your car with confidence.
Make extra repayments on top of your regular repayments.
Dog leaning out window of car

Benefits of our Low Rate Car Loan.

  • If you pay out your loan early, we won’t charge fees or penalties
  • Repay your car loan in up to seven years
  • Access additional repayments you've made with free redraw via Internet and Mobile Banking1
  • Already have a car? Borrow money for any other purpose and use your existing car² as security.
Smiling woman text messaging on smart phone while leaning on friend's leg in living room

Who can apply?

This loan is available for customers aged 18 years and over.  Must be an Australian citizen, permanent Australian resident or hold a Visa. Lending criteria applies.

When you acquire this product you will automatically become a member of Beyond Bank Australia and become part-owner of the bank.

Important information.

Minimum loan amount of $5,000.

For new cars or cars that are less than eight years old.

Are you a Beyond Bank Life Member?

Take advantage of discounted interest rates and fees.³

How to apply.

  1. Start application

    Looking to buy a car, motorcycle, caravan or boat? Start your loan application online.  It takes 10 minutes. Hint: have details of your income, assets and expenses handy.

  2. Speak to a Lending Specialist.

    Once we receive your application, a Lending Specialist will contact you to confirm eligibility, next steps and answer any questions you may have.

  3. Assessment & evaluation.

    To assess your loan, we’ll need to verify your details and obtain supporting documents. Your Lending Specialist will advise you what is needed and keep you updated through the process.

  4. Approval.

    The most exciting stage! If your loan is approved, it’s time to sign your loan documents and make your dreams a reality.

Interest rates.

FixedInterest Rate (%p.a.)Comparison Rate (%p.a.)*
Low Rate Car Loan7.99% p.a.8.37% p.a.


Fees and charges.

Fees that apply

Loan Establishment / Variation Fee


Security Administration Fee


View our Fees and Charges Guide for the full details of other loan fees and service fees that may apply.

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Still have questions about our car loans?

Would you like to know more about the car loan process or need help with a query?
Contact us
Check out the most frequently asked questions about car loans.
Visit our FAQs
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