Beyond Bank Flexi Personal Loan

Fix your interest rate for peace of mind. Interest charges and fees apply.

This unsecured personal loan from Beyond Bank comes with a fixed interest rate. With fixed rates, your repayments will remain the same for the duration of the loan. This makes it easier to predict your repayments and budget for them. The loan term ranges from 1 to 7 years, and you can get pre-approval. The costs associated with this loan include interest charges and establishment fees, among others.

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From 12.49% (variable)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount

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Product NameBeyond Bank Flexi Personal Loan
Interest Rate (p.a.)
From 12.49% (variable)
Comparison Rate (p.a.)12.75%
Interest Rate TypeVariable
Min Loan Amount$5,000
Max. Loan Amount$80,000

How does the Beyond Bank Flexi Personal Loan work? 

This personal loan from Beyond Bank is unsecured, or can be partially secured if needed. The interest rate is fixed, making it easier to budget for. The loan also comes with pre-approval, and a redraw facility. You can use the loan funds for any worthwhile purpose, although the loan is not suitable for the purchase of a new motor vehicle. 

What features does the Beyond Bank Flexi Personal Loan offer? 

  • Unsecured loan. This loan is unsecured, and does not require an asset as collateral for the loan. You can choose to partially secure the loan if you wish.
  • Fixed rate. You get the certainty of knowing what your interest repayments will be. This makes budgeting easier.
  • Pre-approval available. Your personal loan can be pre-approved. This will allow you to make your purchase knowing you’ll receive the loan.
  • Terms up to 7 years. Your loan term can range from 1 to 7 years.
  • No break fees. You can pay your personal loan early without penalty.
  • Redraw facility. You can redraw your additional repayments via Internet and Mobile Banking for free. The minimum redraw amount is $500. A fee of $35 will apply for staff-assisted redraws.

How much does the Beyond Bank Flexi Personal Loan cost?

The costs associated with this loan include: 

  • Loan principal
  • Fixed interest rate of 12.49% p.a.
  • Loan establishment fee of $175 (waived for Life Members)
  • Security documentation fee of $25
  • PPSR search fee of $17.50
  • PPSR registration fee of $17.50
  • Monthly administration fee of $5

The comparison rate, which includes interest charges and fees, is 12.75% p.a.

What are the pros and cons of the Beyond Bank Flexi Personal Loan? 


  • Fixed rate. This loan comes with a fixed rate, making it easy to predict repayments. 
  • No break free and free redraw. You can pay off your loan early without incurring a penalty. You can also access your extra repayments for free through the online redraw facility. 


  • Higher interest rate. Unsecured loans come with higher interest rates than secured loans. This makes unsecured loans more expensive. 

Am I eligible for this loan? 

To be eligible for the loan, you must: 

  • Be at least 18 years old
  • Be an Australian citizen, permanent resident or hold an acceptable visa

How do I apply for this loan? 

You can apply for the loan online, through the Beyond Bank website. The application will take around 10 minutes to complete. You will have to provide your employment details, address, driver’s licence, and your assets and liabilities. You will also need to provide proof of income and bank statements. Keep your documents on hand to make the process easier.

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