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For and with you

Low Rate Personal Loan

7.99 % p.a. Interest Rate.
8.37 % p.a. Comparison Rate.*

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
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  • 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 Banking.1
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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.

How to apply.

  1. Start application. 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.
  2. 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.
  3. 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.
  4. Approval. The most exciting stage! If your loan is approved, it’s time to sign your loan documents and make your dreams a reality.

Get started

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.

Interest rates.

FixedInterest Rate (%p.a.)Comparison Rate (%p.a.)*
Low Rate Personal Loan7.99% p.a.8.37% p.a.

Fees and charges.

Fees that apply at loan origination

Loan Establishment / Variation Fee


Security Administration Fee


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

Still have questions about our personal loans?

Would you 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
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