Low Rate Personal Loan.

6.49 percent per annum
Interest Rate
7.18 percent per annum
Comparison Rate
Fixed Interest Rate.

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

Fixed interest rate.

Relax and budget with confidence.


No penalties.

No penalties. No fees or penalties for paying out your personal loan early.


Redraw facility.

Withdraw the extra repayments you’ve made.1


  • We can pre-approve your personal loan, so you can make your purchase with confidence
  • Environmental discount - further interest rate reductions if you purchase for an environmental purpose2
  • 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.)
Low Rate Personal Loan 6.49% 7.18%
Environmental Low Rate Personal Loan² 6.24% 6.93%
Pinnacle Plus Low Rate Personal Loan³ 5.99% 6.68%

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
Low Rate Personal Loan Monthly Administration Fee $5.00

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.

Flexi Personal Loan.

The Flexi Personal Loan gives you the power to bring your plans to life!
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 rate is based on 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.

1 Minimum redraw amount is $500. Free redraw is available via Internet 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.

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.

3 Eligibility criteria and maximum benefit limits 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.

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