Low Rate Car Loan

A car loan with super-low rates.

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

Want to know your interest rate won’t change? Our Low Rate Car Loan offers a competitive, fixed interest rate.

This low interest car loan is perfect for that new car you’ve always wanted. Try our car loan calculator to get your estimates and work out your repayment options.

We’re no ordinary bank. Beyond Bank is a customer owned bank, which means we don’t serve share market investors. Profits are passed on as savings for our customers and support for community projects. Join the bank that gives back.

Interest rate

Comparison rate


  • Low, fixed interest rate
  • Borrow up to 150% of the value of your car
  • Flexible repayment options. You can also choose to make extra repayments on top of your regular repayments
  • We can preapprove your car loan, so you can search for your car with confidence
  • Already have a car? Borrow money for any other purpose and use your existing car1 as security
  • pinnacle +plus and life members – take advantage of discounted interest rates and fees2
  • Environmental discounts – further rate reductions if you purchase for an approved environmental purpose2


  • For new cars, or cars that are less than six years old
  • Repay your car loan in up to seven years
  • Minimum loan amount of $5,000


  • Establishment fee: $175
  • Security documentation fee: $25
  • Monthly account-keeping fee: $5
  • No fees or penalties for paying out your loan early

Loan repayment calculator

To help you on your way

Car insurance

Find the best car insurance.

Find Out More

Loan Cover Protection

Protect yourself. Cover your car loan repayments in the event of financial hardship.

Find Out More

Purple Transactor Account

Everyone hates fees. Keep your cash for the good stuff with $0 monthly fee, $0 fees for card transactions in Australia and $0 dishonour fee.

Find Out More

*Interest rates are current as of 03/03/2018.

1 Existing car must be six years old or less.

2 Eligibility criteria and maximum benefit limits apply.

* The comparison rates are calculated for a secured loan of $30,000 with monthly repayments over a term of five years. 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.

Terms, conditions, fees and charges and lending criteria apply to all loans. Full details are available at the time of application or by contacting us. Interest rates are subject to change without notice. All loans are provided by Beyond Bank Australia, a trading name of Community CPS Australia Ltd ABN 15 087 651 143. Interest rates are subject to change without notice.

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