Beyond Bank AustraliaFlexi 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.
At a glance
- Fixed
- 12.99%13.87% comparison
- Loan size
- $5,000 to $140,000
- Upfront fee
- $195
How it compares
This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Car loan from a bank or lenderLowest advertised rate, fixed or variable | 12.99% | 5.74%Westpac's Car Loan | 6.99%of 42 institutions | 41st lowest of 42 |
Rates
The one rate Beyond Bank Australia publishes for this personal loan.
| 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 | - | 12.99% | 13.87% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 7 Oct 2026 | Fixed, P&I, 7 yrs fixed | 12.49% | 12.99% | up 0.50 |
Each change is logged the night it appears in the rates Beyond Bank Australia publishes. See how every lender answered the RBA on the rate tracker.
Fees
10 fees published, grouped by when they're charged.
When you take it out3
- Additional Security Fee
This fee is payable when we prepare a security such as a guarantee.
$150 - Loan Establishment/Variation Fee
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
$195 - Security Administration fee
This fee is payable when we prepare a Goods Security or other security in relation to a Car or Personal loan.
$70
When you make a transaction2
- Redraw (online) Fee
Online redraw via Internet or Mobile Banking is free.
No fee - Redraw (staff assisted) Fee
This fee is payable for each staff-assisted redraw.
$35
When particular things happen5
- Default Fee on Car & Personal Loans - every 14th day thereafter
This fee is payable every 14th day thereafter for so long as you remain in default.
$25 - Default Fee on Car & Personal Loans - on 8th day
This fee is payable on the 8th day you are in default.
$20 - Default Notice Fee
This fee is payable whenever we send you a default notice because you have defaulted under the contract.
$20 - Direct Entry Dishonour Fee
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
$6 - Dishonoured Cheque Deposit Fee
This fee is payable whenever a cheque or payment order from an account with another financial institution is dishonoured or declined.
$3.75
Features
Eligibility and 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.
Compare it with others
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Published by Beyond Bank Australia under the Consumer Data Right, last changed by them on 7 Oct 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.