RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 4.6%  
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Example Interest Rates: Home Loan Variable: 5.24% (5.24%*) • Home Loan Fixed: 5.70% (6.06%*) • Fixed: 5.70% (6.06%*) • Variable: 5.24% (5.24%*) • Investment IO: 5.69% (5.72%*) • Investment PI: 5.49% (5.52%*)
Product Library

  Line of Credit

Be prepared for life's little emergencies with a financial safety net that gives you access to funds when you need it. Start enjoying the benefits today with line of credit loans starting from as little as $2,000.
Category: Personal Loans  Last Updated April 29, 2026  Effective April 29, 2026

General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information Unsecured Line of Credit, variable rate. Conditions apply.
Interest Rate
14.49% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

  • Bill Payment
  • Card Access
  • Digital Banking Additional Information: Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.
  • Digital Wallet Additional Information: Load your Beyond Bank Visa Debit Card to your phone to make fast and easy transactions.
  • Notifications Additional Information: Available with Internet Banking or via notifications from Mobile Banking. Service enables information about accounts to be sent via SMS to a specified mobile number. It is event triggered or on demand.
  • Npp Enabled Additional Information: New Payments Platform (NPP) available. Allows you to send and receive money instantly between eligible accounts with your PayID.
  • Npp Payid Additional Information: New Payments Platform (NPP) is available. Use your mobile number or email as your PayID to send and receive money instantly between eligible accounts

Product Eligibility

  • Min Age - 18. Additional Information: Minimum age is 18 years of age.
  • Natural Person
  • Other Additional Information: Membership: You must be or become a Beyond Bank Australia member.
  • Other Additional Information: Lending criteria applies.
  • Residency Status - Australian Citizen. Additional Information: Must 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.

Bank Fees and Charges

  • Line Of Credit Approval / Variation Fee (Upfront), Amount: 195.00. Additional Information: This fee is payable when you apply for new or increased credit or request a change to your line of credit contract.
  • Default Notice Fee (Event), Amount: 20.00. Additional Information: This fee is payable whenever we send you a default notice because you have defaulted under the contract.
  • Default Fee On Line Of Credit (Event), Amount: 25.00. Additional Information: This fee is payable on the 15th day of every month whilst you are in default.

 Limitations & Restrictions (Constraints)

  • Max Limit of 140000.00
  • Max Lvr of 0.00
  • Min Limit of 2000.00
  • Min Lvr of 0.00

Document Downloads

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Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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