Personal Loans

Personal loans bring dreams to life.

Choose from our range of simple and flexible personal loans.

A Low Rate Personal Loan with low-interest rates and fees, a Flexi Personal Loan which gives you the freedom to choose between a fixed and variable rate option, a No Fee Personal Loan to budget with confidence or a Line of Credit to cover for life’s little extra purchases. 

give you the options you need to get what you want from your loan.

Join the bank that gives back. We are proud to support your local community and causes you care about. Find out more about how to give back to your community with Beyond Bank.

Interest rate

Comparison rate

Low Rate Personal Loan

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  • Competitive, low interest rates and fees
  • Interest rate discounts available for 'environmentally friendly' purposes1
  • Rate and fee discounts available for Pinnacle Plus and Life Members2
  • Redraw facility3 – withdraw the extra repayments you’ve made
  • Lower interest rates available if you have acceptable security.


  • Establishment fee: $175 (Fee not applicable on No Fee Personal Loan)
  • No monthly service fee
  • No fees or penalties for paying out your loan early .



No Fee Personal Loan

7.49 %† p.a.
Interest rate
7.49 % p.a.
Comparison rate

Fee free with one simple fixed interest rate for loans over $10,000 plus an added redraw facility.
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Low Rate Personal Loan

6.49 %* p.a.
Interest rate
7.18 % p.a.
Comparison rate

Enjoy a low interest rate on your personal loan in addition to low fees, repayment flexibility and redraw facility.
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Flexi Personal Loan

12.49 %‡ p.a.
Interest rate
12.75 % p.a.
Comparison rate

Choose between a flexible or variable interest rate on your personal loan, plus an added redraw facility.
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Line of Credit

13.49 p.a.
Interest rate

Provides ongoing access to funds, when you need them.
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Interest rates are current as at 08/12/2020 and are subject to change.

 * Comparison rates are calculated for a secured loan of $30,000 with monthly repayments over a term of 5 years. WARNING: The comparison rates are 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.

Interest rate discounts may be available for loans taken for approved environmentally friendly purposes. Speak to us to see if you are eligible.

Speak to us to see if you are eligible.

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.

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, by calling us on 13 25 85 to request a copy or by visiting a branch.

All loans are provided by Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2021.

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