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Beyond Bank personal loans
Beyond Bank is a customer-owned bank based in Australia. Beyond Bank is owned by its members, which means it does not serve sharemarket investors. Profits earned by Beyond Bank are reinvested, allowing it to offer lower fees and rates.
Beyond Bank was established about 60 years ago and now serves over 200,000 customers and operates over 40 bank branches.
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Why choose Beyond Bank
Beyond Bank Personal Loans
Personal Loans calculator
Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated repayments
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- This is an estimate of how much you would pay (weekly/fortnightly/monthly) based on your borrowing amount, interest rate and loan term.
- Calculations assume that details entered into calculator, including interest rates, do not change for the lifetime of the loan.
- Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
- Months are assumed to be of equal length. However, given that some months are longer than others, interest charged by vary depending upon the month.
- The calculation rounds of the personal loan repayment to the closest dollar value without decimals.
- All calculations are estimates only; there are no guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
- Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
- Calculator does not include the cost of fees or other extra charges.
- Calculator does not account for changes to interest rates over time.
- This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Read our full disclaimer.
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.
