Low Rate Personal Loan

Now it’s easier to bring your dreams to life.

With a Low Rate Personal Loan, it’s easier to make your dreams come true. Offering a super-low interest rate and minimal fees, our low interest loan helps you get your plans into gear.

With a fixed interest rate, your repayments stay the same for the life of the personal loan, so you can relax and budget with confidence.

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
  • Flexible repayment options. You can also choose to make extra repayments on top of your regular repayments
  • Redraw facility1 – withdraw the extra repayments you’ve made
  • We can pre approve your personal loan, so you can make your purchase with confidence
  • Interest rate discounts available for 'environmentally friendly' purposes
  • Rate and fee discounts available for pinnacle +plus and life members
  • 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 purpose.2



  • Loan Terms up to seven years
  • Minimum loan amount of $5,000
  • Car up to six years old required for security.



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

Loan Repayment Calculator

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.

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 Ltd. ABN 15 087 651 143 AFSL/Australian Credit Licence 237 856.

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