Why choose Beyond Bank


  • Repayment flexibility
  • No-fee option
  • Rate discounts for ‘green’ purposes


  • Charges an application fee
  • Ongoing account-keeping fees
  • Moderate to moderately high interest rates

Beyond Bank Personal Loans

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Australian Credit Licence 237856Fees & charges apply





Low Rate Car/Personal Loan
  • 1 to 7 years
  • Secured
  • Fixed Rate
  • No ongoing fees

Australian Credit Licence 237856Fees & charges apply

Australian Credit Licence 237856Fees & charges apply





Flexi Car/Personal Loan Fixed
  • 1 to 7 years
  • Unsecured
  • Fixed Rate
  • No ongoing fees

Australian Credit Licence 237856Fees & charges apply

Personal Loans calculator

Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.


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based on a $30,000 loan for 5 years at 7.99%

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Features of a Beyond Bank personal loan

Beyond Bank offers a range of personal loans including no-fee loans, low-rate loans and line-of-credit loans. Customers can choose between variable and fixed interest rates. Beyond Bank offers secured and unsecured loans, with terms of up to seven years.

Typically, Beyond Bank charges an establishment fee, security documentation fee and a monthly account-keeping fee. However, customers do have a fee-free option for loans over $10,000.

Beyond Bank personal loans offer redraw facilities and repayment flexibility, and additional repayments are allowed.

Beyond Bank personal loans - customer service

Beyond Bank can be contacted through several channels including phone, live chat, email and secure message.

Live chat and call centre services are available during business hours. Beyond Bank offers a designated 24-hour phone service for lost or stolen cards.

Who is eligible for a Beyond Bank personal loan?

  • Must be at least 18 years old
  • Must be a permanent Australian resident or citizen

How to apply for a Beyond Bank personal loan?

  • Open the Beyond Bank online application by clicking ‘Get Started’
  • Complete the online loan application
  • Submit documentation

Beyond Bank personal loans review

Beyond Bank offers secured and unsecured personal loans, with both fixed and variable personal loan interest rates.

When you compare personal loan rates, Beyond Bank tends to be in the middle of the spectrum. While Beyond Bank may not offer the best personal loan rates on the market, they are also not the highest. Beyond Bank personal loan rates range from moderate to moderately high. Beyond Bank’s current personal loan interest rates may be discounted depending on certain conditions. Interest rate discounts are available for ‘environmentally friendly’ purposes as well as for Pinnacle Plus and life members.

As a customer-owned personal loan lender, Beyond Bank uses its profits to lower its rates and fees. Beyond Bank fees vary from product to product. Some loans charge establishment fees, monthly fees and security documentation fees, while others are fee-free.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.