A car loan with a low rate.
Certainty
Borrowing options
Convenient
Flexible
Benefits of our Low Rate Car Loan.
- If you pay out your loan early, we won’t charge fees or penalties
- Repay your car loan in up to seven years
- Access additional repayments you've made with free redraw via Internet and Mobile Banking1
- Already have a car? Borrow money for any other purpose and use your existing car² as security.
Who can apply?
This loan is available for members aged 18 years and over. Must be an Australian citizen, permanent Australian resident or hold a Visa. 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.
Important information.
Minimum loan amount of $5,000.
For new cars or cars that are less than eight years old.
Are you a Beyond Bank Life Member?
Take advantage of discounted interest rates and fees.³
How to apply.
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Start application
Looking to buy a car, motorcycle, caravan or boat? Start your loan application online. It takes 10 minutes. Hint: have details of your income, assets and expenses handy.
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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.
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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.
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Approval
The most exciting stage! If your loan is approved, it’s time to sign your loan documents and make your dreams a reality.
Interest rates.
| Fixed | Interest Rate (%p.a.) | Comparison Rate (%p.a.)* |
| Low Rate Car Loan | 7.99% p.a. | 8.99% p.a. |
Fees and charges.
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Loan Establishment Fee / Variation Fee (includes Security Administration Fee of $70) |
$265 |
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Monthly Loan Fee |
$9 |
View our Fees and Charges Guide for the full details of other loan fees and service fees that may apply.
Keep browsing.
Flexi Car Loan
Has a second-hand car caught your eye? Our Flexi Car Loan might be perfect.
Learn more
Useful links
Still have questions about our car loans?
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Interest rates are current as at 8 April 2026 and are subject to change. |
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| * |
Comparison rates are based on a secured loan (unless otherwise indicated) 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 in-advance amounts at any time through Internet Banking 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. |
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Please note that transfers made on Internet Banking and Mobile Banking can take up to 24 hours to process. For immediate transfers please call us on 13 25 85 or visit a branch. |
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| 2 |
Existing car must be eight years old or less. |
| 3 |
Eligibility criteria and maximum benefit limits apply. |
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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 beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. |
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All products and services are provided by Beyond Bank Australia Ltd, 100 Waymouth Street, Adelaide, SA 5000, ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2026. |