Personal loans with maximum flexibility.
Fixed repayments
Redraw available
Small loans
Benefits.
- We can pre-approve your personal loan, so you can make your purchase with confidence
- Personal loans starting from $5,000
- Repay your personal loan in up to seven years
- Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.
Who can apply.
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.
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.
How to apply.
- Start application. 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.
- 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.
- 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.
- 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.)* |
| Flexi Personal Loan | 12.49% p.a. | 13.37% p.a. |
Fees and charges.
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Loan Establishment / Variation Fee |
$195 |
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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.
Still have questions about our personal 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. |
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Unlimited additional repayments available. |
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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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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. |