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Beyond Bank Personal Loans

Beyond Bank personal loans offer a flexible and straightforward solution for turning your dreams into reality. Whether you’re dreaming big or looking for a modest lump sum, our calculator and comparison table below can help lead the way to a finance option that’s right for your budget and needs.

Compare rates

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.

Overview

Minimum loan amount$10,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)8.89%

Personal loan comparison rate8.89%

Monthly repayments (approx)$317

Total repayments (approx)$11,429

Total interest repayments (approx)$1,429

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$0

Application / establishment fee$0

GO TO Beyond Bank

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$20

For debt consolidation?No

Sponsored No

Telephone13 25 85

Data accurate as of6/11/2018

GO TO Beyond Bank

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With a Low Rate Personal Loan, it's easier to make your dreams come true. Offering a super-low interest rate and minimal fees, our low interest loan helps you get your plans into gear.

Overview

Minimum loan amount$5,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)7.99%

Personal loan comparison rate8.62%

Monthly repayments (approx)$318

Total repayments (approx)$11,482

Total interest repayments (approx)$1,482

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$25

Application / establishment fee$175

GO TO Beyond Bank

Other Fees & Information

Monthly fee$5

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$20

For debt consolidation?No

Sponsored No

Telephone13 25 85

Data accurate as of6/11/2018

GO TO Beyond Bank

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With the choice of fixed or variable interest rate, the Flexi Personal Loan gives you maximum flexibility.

Overview

Minimum loan amount$5,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)13.45%

Personal loan comparison rate13.71%

Monthly repayments (approx)$345

Total repayments (approx)$12,421

Total interest repayments (approx)$2,421

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$175

GO TO Beyond Bank

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$20

For debt consolidation?Yes

Sponsored No

Telephone13 25 85

Data accurate as of6/11/2018

GO TO Beyond Bank

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Pay ZERO fees^ on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What’s more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. ^Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Comparison rate can vary from 5.95% to 17.95%

Overview

Minimum loan amount$8,000

Maximum loan amount$50,000

Minimum term (years)1.5 years

Maximum term (years)7 Years

Personal loan interest rates (base)5.95%

Personal loan comparison rate5.95%

Monthly repayments (approx)$303

Total repayments (approx)$10,943

Total interest repayments (approx)$943

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$0

GO TO Now Finance

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of23/02/2021

GO TO Now Finance

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OurMoneyMarket offer competitive low rates on loans up to $50,000, plus free extra repayments and fee-free redraw facility.

Overview

Minimum loan amount$2,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)7 Years

Personal loan interest rates (base)6.29%

Personal loan comparison rate6.54%

Monthly repayments (approx)$313

Total repayments (approx)$11,274

Total interest repayments (approx)$1,274

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of30/04/2021

GO TO OurMoneyMarket

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Fast and easy online application. Money can be in your account same-day. Flexible repayments with no early exit fees. Comparison interest rates from 7.64% to 13.32% p.a.

Overview

Minimum loan amount$2,100

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO MoneyMe

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly/Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored Yes

Telephone1300 329 037

Data accurate as of03.03.2021

GO TO MoneyMe

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 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. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

Need help choosing the right loan?

Get a multi award-winning personal loans broker, to help select the right loan for you.

Australia-wide personal loans completed online or via the telephone (no need for any face-to-face meetings).

Monday to Friday, 9am – 6pm AESTs

An account manager will contact you within 3 hours of your enquiry.

Call 1300 884 355
What type of loan are you looking for?

Beyond Bank personal loans – Pump cash into your dreams

If you’re looking for a legit alternative to the big banks, Beyond Bank Australia is one of the top contenders. It has been customer-owned since 2013 and a successful credit union before that.

Like all mutual financial institutions, Beyond Bank reinvests its profits back into the business to benefit customers instead of shareholders. The Victoria-based bank has been going strong as part of its community for nearly 60 years, and it’s the first Australian bank to become a Certified B corporation.

In terms of personal loans, Beyond Bank Australia tips the scale with a suite of products designed to meet all manner of needs. Learn more about Beyond Bank personal loans and use the info to decide which available options suit you.

Beyond Bank personal loan snapshot

  • Loan amounts – $5,000 – $80,000
  • Loan terms – Up to 7 years
  • Interest rate – Depends on the product
  • Interest rate type – Fixed rate or variable rate
  • Security – Secured and unsecured
  • Pros – Beyond Bank accepts joint applications and applications from Visa holders. Additionally, once you receive the funds, you automatically become a member and part-owner of the bank.
  • Cons – Most options come with an establishment fee as well as other fees that increase your finance costs.

Types of personal loans offered by Beyond Bank

Beyond Bank’s range of personal loans includes the following:

  • Low rate personal loan. This is a secured loan that comes with a competitive fixed rate.
  • Flexi personal loan. You can choose a fixed or variable rate and a minimum amount of $5,000 without offering security.
  • No fee personal loan. With this option, there’s zero mention of fees attached to your loan. You also get a competitive fixed rate since the funds are secured. However, you have to borrow a minimum amount of $10,000, and the rate you get is higher than the low rate personal loan option.

Please note that each of the three products above also has an Environmental and a “Pinnacle Plus” option available at a discounted rate. For instance, under low rate personal loans, you’ll find an environmental low rate loan and a pinnacle plus low rate loan. In the same way, you can apply for the environmental and pinnacle plus versions of the “Flexi” and “No Fee” loans.

Environmental options are available only if more than 50% of the funds are for an approved environmental purpose. The pinnacle plus option is available to members who are eligible for certain benefits.

Beyond Bank personal loan features

  • Monthly, fortnightly or weekly repayment options are available. Use our Beyond Bank personal loan calculator to find an affordable repayment estimate before applying.
  • You can get pre-approval if you want to shop around for your purchase with more confidence.
  • Unlimited, fee-free additional repayments are available, so you can pay off your debt early without penalty.
  • The redraw facility enables you to withdraw any extra repayments you’ve made.
  • You’ll have easy access to your money any time via Internet, Telephone, or Mobile Banking services.

What else does Beyond Bank offer?

You can also apply for a line of credit that keeps you prepared for emergencies and unexpected expenses. You’ll be able to access funds whenever you need to, without reapplying. The product comes with a variable rate and a minimum amount of $2,000.
To find out more about Beyond Bank car loans products, check out our Beyond Bank car loan guide.

Fees and charges

The following fees may apply, depending on the product type:

  • Establishment fee/Variation fee – $175
  • Security documentation fee – $25
  • PPSR search fee – $17.50
  • PPSR registration fee – $17.50
  • Monthly admin fee – $5

Eligibility Criteria

To be eligible for any Beyond Bank personal loan, you must:

  • Be at least 18 years old
  • Be an Australian citizen or permanent resident
  • Have a good credit history
  • Not have any unpaid defaults or been declared bankrupt
  • Agree to a credit check
  • Have a regular income of more than $2,000 per month

How to apply for a Beyond Bank personal loan

Before you sign up with Beyond Bank, make sure you have the following things lined up:

  • Details of your income and employment
  • Driver’s licence number
  • Details of your assets and liabilities

When you’re ready, scroll up and click the “Go to Site” button of your choice to follow through to the lender’s website. Applying for a Beyond Bank personal loan online generally takes 15 minutes or 20 minutes (if it’s a joint application). Once you submit your details, a lending specialist will be in touch.

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