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

Fixed interest rate.
Relax and budget with confidence.

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

Redraw facility.
Withdraw the extra repayments you’ve made.1
Benefits.
- Borrow money for any purpose and use your existing car2 as security
- We can pre-approve your personal loan, so you can search with confidence.
- If you pay out your loan early, we won’t charge fees or penalties
- Life members – take advantage of discounted interest rates and fees3
- Repay your personal loan in up to seven years
- Minimum loan amount of $5,000
- Access additional repayments you've made with free redraw via Internet and Mobile Banking1
- Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.
Interest rates.
Product | Interest Rate (%p.a.) | Comparison Rate (%p.a.) |
---|---|---|
Low Rate Personal Loan | 7.89% p.a | 8.27% p.a |
Product - Low Rate Personal Loan
- Interest Rate (%p.a.)
- 7.89% p.a
- Comparison Rate (%p.a.)
Fees and charges.
Loan Establishment / Variation Fee | $195 |
Security Administration Fee | $70 |
View our Fees and Charges Guide for the full details of other loan fees and service fees that may apply.
How to apply.
Have an eligible car or other asset that can be used as security and 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.
Approval.
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?
Who can apply.
This loan requires a Goods Security Agreement and you will be required to provide an eligible asset that can be used for these purposes.
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.
Other great products you might like.
Interest rates are current as at 26 September 2023 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.
2 Existing car must be eight years old or less.
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. © 2023.