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.
- From
- 12.49%
- 13.37% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 7 years Flexi Car or Personal Loan, principal & interest & a minimum balance of $5,000. Flexible loan terms up to 7 years. Conditions apply. | 12.49% | 13.37% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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. | Event | $3.75 |
| 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.
| Upfront | $195.00 |
| Redraw (staff assisted) Fee This fee is payable for each staff-assisted redraw. | Transaction | $35.00 |
| Redraw (online) Fee Online redraw via Internet or Mobile Banking is free. | Transaction | $0.00 |
| Default Notice Fee This fee is payable whenever we send you a default notice because you have defaulted under the contract. | Event | $20.00 |
| 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 |
Features
- Discounts on other products — The monthly loan fee will be waived for eligible Total Home Loan Package borrowers for loans settled from 13 January 2025. Conditions apply.
- Digital banking
- Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.
- Extra repayments
- Additional Repayments: make unlimited additional repayments to your loan.
- Redraw facility
- Redraw payments made in advance at any time through Internet and Mobile Banking. Minimum redraw amount is $500.
Eligibility
- Minimum age — 18 yearsAvailable for customers aged 18 years and over
- Individuals only
- 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.
- Residency status — Australian CitizenMust 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.
Constraints
- Maximum limit — $140,000.00
- Maximum LVR — 0%
- Minimum limit — $5,000.00
- Minimum LVR — 0%
More Information
Published by Beyond Bank Australia under the Consumer Data Right · Last updated 16 July 2026 · Product ID 42 · View on CDR.gov.au · View Source Data (JSON)