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.

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' 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

7.99 %† p.a.
Interest rate
7.99 % 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

6.99 %* p.a.
Interest rate
7.62 % 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

12.99 %‡ p.a.
Interest rate
13.25 % 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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Interest rates are current as at 29/06/2020 and are subject to change.

1. Fees and charges may apply for the redraw facility. An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount.

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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