Rating based on 28 reviews

Beyond Bank

  • Personal loans starting from $5,000
  • Low-interest starting from 7.99%
  • Repayment up to 7 years

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Author Beyond Bank. Screenshot of Beyond Bank website.
[Accessed May 2, 2023]

Beyond bank - Reliable personal loans

Beyond Bank is a financial services provider that is always seeking to help clients with their money grief.

Seeing that most emergencies just happen without warning, it may be difficult to find a credit advance provider that is willing to help you at the last minute Beyond Bank does exactly that, we are a bank that goes above and beyond for their customers.

Borrow money for many reasons

Unlike many financial providers, we are not one to ask many questions about what you need the personal loan for. We believe that we are working with mature people who will never ask for money for useless deeds. As such, we have never encountered occasions of having people use the money they are loaning for the wrong reasons.

Solving your finances immediately

Ultimately, we want you to worry less about what you are going through by ensuring that we approve your quick loan as soon as possible. There is no waiting period because we understand that no customer would apply for a loan if they wanted to use the money weeks later. We know that the only motive why you are looking for a credit advance is because you need to use the money right away.

Reasons as to why you might need to apply for a loan

  • You might have skipped your rent or want to pay it in advance
  • The vehicle you drive has broken down and needs fixing
  • You have an important dinner and you are running short on supplies
  • You need to visit your doctor right away
  • The water and electricity bill is slightly higher this month

Straightforward loan application

Clients who are interested in finding financial help at Beyond Bank can apply online on our website.

The online loan application is relatively simple, and you will be done in no time. We will ask you usual questions about your personal details, employment details and salary details.

Reviewing your loan application

After receiving your short term loan application, we need to verify your details and check if all the information you have submitted is correct.

This is the stage that worries a lot of clients and there is actually nothing to worry about, we are merely following all the procedures to our loan application processes.

The money will be deposited in your bank account

After we have checked your supporting documents and we are satisfied with every document furnished to us, we will send you the agreement to sign and after we have got a signed copy of your contract, we will send the personal loan to your nominated bank account.

Depending on the time the personal loan was approved, it may take one or two business days to reflect in your banking account.

Criteria needed to qualify for a loan

  • You must be 18 years or older
  • Earn a salary that is not only derived from Centrelink benefits. Centrelink benefits can serve as your secondary salary
  • Must be an Australian or permanent citizen
  • Must have a working bank account

Beyond Bank – Personal loan

  • Loan Type Personal loans
  • Interest Rate 7.9913.45% p/a
  • Loan Amount from $5,000
  • Repayment 1 year to 7 years

Benefits of Beyond Bank

  • Low-rate personal loans
  • Flexible loan terms and repayments
  • Quick and easy loan applications

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Beyond Bank - A trusted credit provider

Bad credit is not a problem for us, we have dealt with many customers who have bad credit records and it has never been a matter of concern for us.

We are not worried about how badly you used to pay your debts in the past, we are concerned about how you are paying now. Therefore, bad credit blunders are more than welcome. We will treat your bad credit loan application like any other and we will give you a credit advance if you meet all our requirements and you can afford to pay it back.

Can Beyond Bank be trusted?

Beyond Bank has been in existence for some time. To date, we have never encountered any problems with our operation because we have always done things by the book. We are a registered and accredited financial services provider.

How soon can you get the loan?

Depending on the bank account as well as the bank you use, clients can get their money a day or two. The longest time a client would have to wait for our personal loans is 48 hours. We do our utmost best to ensure that you get your money in your account as soon as possible but we can’t do much when it comes to turnaround times of financial service providers.

How do you pay back the loan?

A direct debit system is set up for our clients. This makes things so much easier as opposed to the customer having to pay the fast loan manually. The money will be deducted on the agreed-upon date between the client and the lender.

Adhering to the terms and conditions

The terms and conditions stipulated in the contract are very important. If a client doesn’t live up to his end of the bargain, this may put a heavy strain on his credit record.

man holding thumbs up

Beyond Bank is a trusted & reliable provider of personal loans

In our review, Beyond Bank adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Beyond Bank is a registered credit provider in Australia: ACL 237856

Customer Reviews & Testimonials

Beyond Bank offers really low-interest rates and their fees are affordable and their repayment options are flexible. What more could you need?

Donovan H
— Cairns —

I was able to get a very affordable unsecured personal loan from Beyond Bank. I strongly believe they are worth the money as the services are spectacular.

Aiden C
— Townsville —

Beyond Bank Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday 09:00 – 15:00
  • Sunday – Closed