Flexi Personal Loan.

12.49 percent per annum
Interest Rate
12.75 percent per annum
Comparison Rate
Fixed or Variable Interest Rate

Personal loans with maximun flexibility.

Rate options.

Choose from a fixed or variable interest rate.


Fixed repayments.

Choose monthly, fortnightly or weekly repayments or  make extra payments on top of your regular payments.1


Redraw available.

Redraw facility to withdraw the extra repayments you've made.2


  • We can pre-approve your personal loan, so you can make your purchase with confidence 
  • Personal loans starting from $5,000
  • Repay your personal loan in up to seven years
  • Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.

Interest rates.

Fixed Interest Rate (%p.a.) Comparison Rate (%p.a.)
Flexi Personal Loan 12.49% 12.75%
Pinnacle Plus Flexi Personal Loan³ 11.99% 12.25%
Environmental Flexi Personal Loan⁴ 12.24% 12.50%

Variable Interest Rate (%p.a.) Comparison Rate (%p.a.)
Flexi Personal Loan 12.49% 12.75%

Fees and charges.

Loan Establishment / Variation Fee (waived for Pinnacle Plus and Life Member) $175
Security Documentation Fee $25
PPSR Search Fee $17.50
PPSR Registration Fee $17.50

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

How to apply.

Start application.

Want a personal loan to help with debt consolidation, renovations or a wedding, start your application online. It takes 10 minutes and you’ll be asked to provide details of your income, assets and expenses.


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.

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.


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


Still have questions about our personal loans?

Would like to know more about the personal loan process or need help with a query?
Contact Us.
Check out the most frequently asked questions about personal loans.
Visit Our FAQs.
Our live chat is available weekdays 9am - 5pm ACST and Saturday 9.00am - 3.00pm ACST.
Let's Chat.

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. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan. 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.

Wondering how much you can borrow?

Finding it tricky to know how much you should borrow? Try out our calculator that allows you to determine exactly how much you can afford to borrow and how much you can afford to repay.

Personal Loan Calculator

Other great products you might like.

No Fee Personal Loan.

Absolutely no upfront, ongoing or early repayment fees on your personal loan– and we mean it! 
Find Out More.

Low Rate Personal Loan.

With our Low Rate Personal Loan, it's easier to make your dreams a reality. Offering a low interest rate with minimal fees, this loan will help you get your plans into gear.
Find Out More.

Line of Credit.

Be prepared for life’s little emergencies with a financial safety net that gives you access to funds when you need it. 
Find Out More.

Interest rates are current as at 08/12/2020 and are subject to change.

*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 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.

Unlimited additional repayments available.

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.

Eligibility criteria and maximum benefit limits apply.

4 Environmental Rate discounts are available to customers if greater than 50% of the loan amount is for an approved environmental purpose. Eligibility criteria, terms and conditions apply.

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 www.beyondbank.com.au/disclosures, 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.

Share this page