Finty
Beyond Bank Australia

Beyond Bank Australia Flexi Car or Personal Loan

Fixed rate

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.

Written byDavid Boyd
Interest rate a year, from
12.99%
Comparison rate, from
13.87%
Establishment fee
$195
Monthly fee
Not published
Borrow
$5,000 to $140,000

Monthly repayment

$20,000 over 3 years

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What it would cost

At the lowest published rate of 12.99%. The rate you are offered depends on your circumstances, and the establishment fee is not included.

Monthly repayment
$674
Total repayments
$24,256
Interest
$4,256

Loan details

Rates

Interest rate (a year)
12.99%
Comparison rate (a year)
13.87%
Rate type
Fixed
Security
Not published

Limits and fees

Loan amount
$5,000 to $140,000
Loan term
Up to 7 years
Establishment fee
$195
Monthly fee
Not published

How it compares

Against the other car loans we compare. Typical means the middle half of them.

Comparison rate

13.87%

From 13.87%. A typical loan starts at 9.35%.

Cost of $20,000 over 5 years

$7,493

Interest and fees at its starting rate. Typical is $5,746.

Setup fee

$195

A typical setup fee is $520.

Most you can borrow

$140,000

Typically you can borrow up to $95,000.

Longest term

7 years

5 years is the usual longest term.

Pros and cons

Pros

  • One rate for everyone. Everyone approved gets 12.99%, so the rate you see is the rate you get.
  • A fixed rate. Your repayments stay the same for the whole loan, which makes it easier to budget.
  • Extra repayments. Paying more than the minimum pays the loan off sooner and cuts the interest you pay.
  • Redraw. You can take back extra repayments later if you need the money.
  • No early repayment fee listed. You can pay the loan off early, or refinance, without a penalty. Check the terms to be sure.

Cons

  • A higher starting rate. Its comparison rate starts at 13.87%, above the typical 9.35%, so it's likely to cost more than most similar loans unless you're offered less.

Similar loans

Personal loans from other lenders that start at a similar comparison rate.