No Fee Personal Loan

No fees. No stress.

Absolutely no upfront, ongoing or early repayment fees on your personal loan– and we mean it! A No Fee Personal Loan offers an attractive fixed interest rate, so your repayments stay the same for the life of the loan. Relax and budget with confidence.

Bring your plans to life with a simple and stress-free personal loan from Beyond Bank.

We’re a customer owned bank. That means our profits benefit our customers and communities – not share market investors. Enjoy lower fees, lower lending rates, higher investment rates, better banking products and support for community projects in your local area. Join the bank that gives back.


Interest rate

Comparison rate

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  • Competitive, fixed interest rate
  • Flexible repayment options. You choose when and how you pay. 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 approve your personal loan in advance, so you can make your purchase with confidence
  • 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.1


  • Repay your personal loan in up to seven years
  • Personal loans from $10,000
  • Car up to six years old required as security.



  • No establishment fee
  • No security documentation fee
  • No monthly account-keeping fee
  • No fees or penalties for paying out your personal loan early.


Loan Repayment Calculator

To help you on your way

Loan Cover Protection

Protect yourself. Cover your personal loan repayments in the event of financial hardship.


Looking for some peace of mind? Beyond Bank offers home & contents insurance, car insurance, travel insurance and more. Find out more!

Find Out More

Interest rates are current as at 24/03/2020.

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.

Interest rates are subject to change without notice.


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For the security of your accounts, Internet Banking no longer supports Internet Explorer 8 or earlier versions.

As you may know, Microsoft recently made the decision to discontinue its support of Internet Explorer 8 (IE8). This leaves users exposed to potential security risks. As a result, Beyond Bank's Internet Banking will no longer support Internet Explorer 8 or earlier versions. Going forward, Beyond Bank will support Internet Explorer 9 or later to ensure the security of your accounts.

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