Beyond Bank Australia
Flexi Car or Personal Loan
A Flexi Car or Personal Loan offers maximum flexibility to bring your plans to life with a competitive fixed interest rate. Make extra repayments on top of your regular repayments at no extra cost and redraw any extra repayments you've made.
Personal loansBank updated 23 Sept 2026
At a glance
- Fixed
- 12.49% · 13.37% comparison
- Loan size
- $5,000 to $140,000
- Upfront fee
- $415
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedFlexi Car or Personal Loan, principal & interest & a minimum balance of $5,000. Flexible loan terms up to 7 years. Conditions apply. | P&I | 7 yrs fixed | — | 12.49% | 13.37% | — |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Default Fee on Car & Personal Loans - every 14th day thereafter | Event | $25 | — | This fee is payable every 14th day thereafter for so long as you remain in default. |
| Default Fee on Car & Personal Loans - on 8th day | Event | $20 | — | This fee is payable on the 8th day you are in default. |
| Default Notice Fee | Event | $20 | — | This fee is payable whenever we send you a default notice because you have defaulted under the contract. |
| Direct Entry Dishonour Fee | Event | $6 | — | This fee is payable whenever an automatic payment or other direct entry is dishonoured due to insufficient funds or for any other reason such as an incorrect BSB or account number |
| Dishonoured Cheque Deposit Fee | Event | $3.75 | — | This fee is payable whenever a cheque or payment order from an account with another financial institution is dishonoured or declined. |
| Redraw (online) Fee | Transaction | No fee | — | Online redraw via Internet or Mobile Banking is free. |
| Redraw (staff assisted) Fee | Transaction | $35 | — | This fee is payable for each staff-assisted redraw. |
| Additional Security Fee | Upfront | $150 | — | This fee is payable when we prepare a security such as a guarantee. |
| Loan Establishment/Variation Fee | Upfront | $195 | — | This fee is charged when you apply for a new or additional credit, or when you request a change to your Car or Personal Loan contract. No Loan Establishment/Variation Fee - Life Members |
| Security Administration fee | Upfront | $70 | — | This fee is payable when we prepare a Goods Security or other security in relation to a Car or Personal loan. |
§ 03 — Features
RedrawExtra repaymentsDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Citizen
- · Available to individuals
- · Amount $5,000 to $140,000
- · Membership: You must be or become a Beyond Bank Australia member.
- · Lending criteria applies.
- · Additional benefits apply to Life Members. Conditions apply.
- · A monthly fee applies to this loan.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Beyond Bank Australia under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.