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Beyond Bank Australia Car Loans


With more than 200,000 members and assets under management approaching $4 billion, Beyond Bank Australia is one of the nation's largest customer-owned financial institutions. It operates more than 50 branches across SA, WA, Wagga Wagga, the Hunter Valley and the ACT, and provides banking services and wealth management, tax and accounting services. It also supports a range of community endeavours via the Beyond Bank Australia Foundation. For more information visit 

Before its launch as a mutual bank on 1 August 2013, Beyond Bank Australia traded as the Community CPS Australia Credit Union Group, and was known as Wagga Mutual Credit Union, Companion Credit Union, Alliance One Credit Union and United Community Credit Union. The Community CPS Group was Three-time winner of Money magazine’s Credit Union of the Year award (2012, 2008) and Best Credit Union (2005) and winner of the Mozo People’s Choice Award for Best Credit Union (2012).


Beyond Bank Australia car loan repayment calculator

Thinking about taking out a car loan with Beyond Bank Australia? Use our car loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how Beyond Bank Australia car loans compare with other options.

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Beyond Bank Car Loans rates

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About Beyond Bank car loans

Beyond Bank is a customer-owned bank that provides personal finance products online and through branches, including car loans. Beyond Bank offer a range of low cost car loans that may be suitable for your needs. These include a fee-free loan, a low rate loan and a loan that offers flexible features. Customers of Beyond Bank can contact the bank to discuss products through their call centre, online or in a branch.

Features of a Beyond Bank car loan

Depending on which Beyond Bank car loan you decide on you could have access to a range of different features. These may include the ability to make extra repayments and a redraw facility if you wish to access these payments at a later date. If you do wish to take advantage of these features, you will end up paying a higher interest rate so it is important to weigh up what may be of the greatest use to you.

Beyond Bank car loans have various minimum borrowing amounts from $5000-$10,000 and can be repaid in a period of up to seven years. If you wish to pay off the loan sooner there are no additional penalties. Some of Beyond Bank’s car loans will have a restriction on how old a used car can be when purchased if you plan to use the car as security. If you are unsure if the vehicle you have in mind will qualify for the loan, then it is good to contact the lender before making your decision.

Customer service

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Live Chat
  • Branch
  • Mobile banking staff


  • Below average rates available
  • No fee loan options available
  • Flexible features loan available
  • Available for new and used vehicles


  • Some fees may apply
  • Not available to 457 visa holders

What RateCity says

Beyond Bank offers a range of car loans that will appeal to borrowers who are looking to keep costs down. Depending on what you are looking for in a loan, Beyond Bank offers below average interest rates and fee free loans that are quite competitive if you meet the eligibility criteria. If you prefer flexibility in a car loan, Beyond Bank also has loan options that may suit although you will be paying a higher interest rate for the privilege.

Beyond Bank offer environmental discounts to borrowers who are purchasing a vehicle for an approved environmental purpose. If you think your vehicle may qualify then you should contact the lender to see what kind of discounts may apply. Borrowers who are looking to purchase a used vehicle may find that not all Beyond Bank loans will be suitable for their needs as the car will need to be less than six years old.

Applying/ eligibility

To be eligible for a Beyond Bank car loan you must be able to prove that you are financially able to support the loan by showing proof of a steady income. You will also have to make sure your vehicle is eligible under the loan, especially if you are applying for a loan to purchase a used vehicle.

  • Must meet eligibility criteria
  • Must be able to pay required fees
  • Must not be a 457 visa holder
  • Must be applying for a loan for an eligible vehicle



There are four different ways you can get a car loan. You can go straight to a lender. You can get a finance broker to organise a car loan for you. You can get ‘dealer finance’ – which is when the car dealer organises a car loan for you. Or you can organise your own car loan through a comparison website, like RateCity.

Whichever method you choose, you will need to provide proof of identification, proof of income and proof of savings. So you may be asked for any combination of passport, driver’s licence, bank statements, payslips, tax returns and utility bills. You might also be asked to provide proof of insurance.


^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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