based on 741 Beyond Bank product reviews as rated by Mozo community

Beyond Bank personal loans

Mutual financial provider Beyond Bank is owned by its members rather than shareholders, giving products a competitive edge when it comes to rates and features. Whether you need a personal loan for a home reno or new car, this page can help you scout out the right Beyond Bank option.

Beyond Bank’s Low Rate Car Loan Special Offer product also took home multiple awards in the 2024 Mozo Experts Choice Awards.

Beyond Bank offers the following personal loans

Rates and fees verified as correct at 21 April 2024. Other information correct at the time of writing. Advertiser disclosure.
Product Interest rate from Comparison rate from Upfront fee
Flexi Personal Loan (Fixed, Unsecured)

12.49% p.a.

12.78% p.a.based on $30,000
over 5 years

$195.00

Low Rate Car Loan Special Offer (Fixed, Secured)

6.49% p.a.

6.86% p.a.based on $30,000
over 5 years

$195.00

Low Rate Car or Personal Loan (Fixed, Secured)

7.99% p.a.

8.37% p.a.based on $30,000
over 5 years

$195.00

Beyond Bank personal loans overview

Unsecured personal loans:

Labelled the “Flexi” Personal Loan, this Beyond Bank product is offered at a fixed interest rate. Loan amounts begin at $5,000 and they don’t require collateral as security, which makes it easy on you if you have no assets! You can make extra repayments at no extra cost, and there isn’t an early repayment penalty for bringing the balance down to zero before the loan term ends. Apart from an initial fee when you take out the loan, Beyond Bank Flexi Personal Loans have no account-keeping fees.  

Low rate car loan or personal loan:

If you’re looking for a competitively low rate loan and have (or plan on buying) security to tie against it, this Beyond Bank Low Rate loan could be your one. The rate is fixed, meaning that low figure will stay as-is for the duration of the loan term. Beyond Bank will reward you with an even lower rate if you’re using it to finance an environmentally-friendly product or vehicle. You'll need to borrow at least $5k, and repay the loan on a term of up to 7 years. Pre-approval is available to help you gage your future purchase. While you’re free to make extra repayments, you cannot dip into them via a redraw facility. With one of these low rate loans, Beyond Bank won’t penalise you in fees for paying off your debt before the total is due. Just keep in mind you will be charged a fee to sign up. This loan wowed Mozo's experts as they awarded it Best Car Loan in the 2023 Mozo Experts Choice Awards.

Beyond Bank personal loan features at a glance

  • Repayment flexibility: Beyond Bank loans let you choose between weekly, fortnightly or monthly repayments.
  • No early repayment penalties: If you decide to repay your Beyond Bank personal loan before the loan term ends, there is no penalty fee to discourage you.
  • Discount for planet friendly purchases: You’ll be eligible for a discount rate if you use your Beyond Bank low rate or no fee personal loan to buy an environmentally friendly product. Beyond Bank will reward you with an even lower rate if you’re using it to finance an environmentally-friendly product or vehicle.

How do you apply for a Beyond Bank personal loan?

Want to apply for a personal loan with Beyond Bank? All you need to do is fill out an online form or apply in person at a local branch. Beyond bank will let you know if the loan has been approved as soon as possible.

To apply for a personal loan with Beyond Bank you will need:

  • To prove your identity with your driver’s licence number
  • To be an Australian citizen or resident
  • To disclose your assets and liabilities
  • To provide evidence of your employment and supple your employer’s contact details

How are Beyond Bank personal loans rated?

Mozo users have rated Beyond Bank personal loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of personal-loans
Beyond Bank personal loans
Overall
Price
Features
Customer service
Convenience
Trust

39 Reviews

Recent Beyond Bank personal loan reviews

Beyond Bank Personal Loan
Overall 10/10
GREAT STAFF EXCELLENT SERVICE GO EXTRA MILE 4U

GREAT STAFF, SUPER HELPFUL WITH RIGHT ADVICE ALWAYS GO THAT EXTRA DISTANCE FOR YOU

Read full review

GREAT STAFF, SUPER HELPFUL WITH RIGHT ADVICE ALWAYS GO THAT EXTRA DISTANCE FOR YOU

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Leonard, Australian Capital Territory, reviewed about 3 years ago
Beyond Bank Low Rate Car or Personal Loan
Overall 10/10
Good for life long members.

Very competitive rates.

Read full review

Very competitive rates.

Price
10/10
Features
5/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Loraine, South Australia, reviewed over 4 years ago
Beyond Bank Flexi Personal Loan (Unsecured)
Overall 4/10
Don't rate Beyond Bank very highly

Find the rates high, don't stand by the customer very well when times are hard!

Read full review

Find the rates high, don't stand by the customer very well when times are hard!

Price
3/10
Features
1/10
Customer service
8/10
Convenience
10/10
Trust
4/10
Less
Eric, New South Wales, reviewed about 6 years ago
Beyond Bank Low Rate Car or Personal Loan
Overall 10/10
Great rates, look no further

Greatest loan rates and hassle free to get a loan. Friendly and helpful staff. Issues resolved over internet or email.

Read full review

Greatest loan rates and hassle free to get a loan. Friendly and helpful staff. Issues resolved over internet or email.

Price
10/10
Less
Mihiri, Queensland, reviewed almost 7 years ago
See all personal loan reviews
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