Personal Loans

Personal loans bring dreams to life.

Choose 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 with no upfront, ongoing, or early repayment fees, a Line of Credit to cover for life’s little extra purchases or a Wealth Accumulation Account to take up investment opportunities.

Our range of simple and flexible personal loans give you the options you need to get what you want from your loan.

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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' purposes
  • Rate and fee discounts available for pinnacle +plus and life members
  • Redraw facility1 – 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

8.89 p.a.
Interest rate
8.89 % 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

7.99 %* p.a.
Interest rate
8.62 % 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

13.45 %‡ p.a.
Interest rate
13.71 % 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

13.99 %† p.a.
Interest rate

Provides ongoing access to funds, when you need them.
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Wealth Accumulation

10.75 p.a.
Interest rate

Offers a competitive, low interest rate, fast approval process and convenient access to your funds.
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Interest rates are current as at 15/10/2019.

1. Fees and charges may apply for the redraw facility.

Before acquiring the product, you should consider if this product is appropriate for you. 

Terms, conditions, lending criteria, fees and charges apply. Full details are available at the time of application or by contacting us. All loans are provided by Beyond Bank Australia Ltd. ABN 15 087 651 143 AFSL/Australian Credit Licence 237 856. Interest rates are subject to change without notice.

The comparison rates are calculated for a secured loan 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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For the security of your accounts, Internet Banking no longer supports Internet Explorer 8 or earlier versions.

As you may know, Microsoft recently made the decision to discontinue its support of Internet Explorer 8 (IE8). This leaves users exposed to potential security risks. As a result, Beyond Bank's Internet Banking will no longer support Internet Explorer 8 or earlier versions. Going forward, Beyond Bank will support Internet Explorer 9 or later to ensure the security of your accounts.

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