act. Secured Personal Loan

act. lets you finance a new or used car at a competitive rate while giving you dollars to put towards a social cause.

act. is on longer operating

As of 28 February 2018 act. is no longer in business. Existing act. accounts will continue to operate as normal for the time being, but you can find more information on act.'s website. This page reflects past act. product information.
If you’re looking for a car loan with a difference, a Secured Personal Loan from act. could be the financing option for you. This loan comes with competitive features including a low fixed rate of 7.79% p.a.. and unlimited additional repayments without penalty, plus you’ll earn Impact Dollars every month that can be donated to a cause of your choosing.

Product Nameact. Secured Personal Loan
Interest Rate (p.a.)From 7.79% (fixed)
Comparison Rate (p.a.)8.64%
Interest Rate TypeFixed
Min Loan Amount$2,000
Loan SecuritySecured


  • Competitive fixed interest rate
  • Unlimited additional payments
  • Choose weekly, fortnightly or monthly repayments


  • $150 application fee
  • $100 for document preparation
  • Statutory fees and charges may apply

What you should know about the loan

You’ll need to borrow a minimum of $2,000 with this loan and you need to use this amount to buy a new or used vehicle or refinance an existing car loan. The rate of 7.79% p.a. is fixed and stays in place for the term of the loan, which can be for between one and seven years. If you’re looking to finance a motorbike, caravan or something similar, you can consider act. Unsecured Personal Loan.

Features and benefits

  • Interest rate. This loan comes with a fixed rate of 7.79% p.a.
  • Repayment flexibility. Depending on what suits you best you can make repayments weekly, fortnightly or monthly. You can also make unlimited extra repayments without penalty.
  • Online redraw. Make as many extra repayments as you want knowing that you can access them for free using the online redraw facility.
  • Loan term. You have your choice of loan term between 1 and 7 years
  • Loan amount. The minimum available loan amount is $2,000.

Fees and charges to consider

What you will be charged

  • Application fee: $150
  • $100 for document preparation
  • Monthly service fee: $5
  • Security registration fee: At the rate applicable in your state

What you might be charged

  • Statutory fees and charges
  • Early repayment fee:

How you can apply for an act. Secured Personal Loan

If you’re looking to submit an application for this loan, you can click ‘Go to Site’ to get the process started. The following eligibility criteria will need to be met:

  • Over the age of 18
  • Australian citizen or permanent resident
  • In paid employment
  • Applying with no more than one other person and are listed on the loan as a borrower
  • Have no defaults, court judgements or bankruptcies listed on your credit file
  • Not applying for business or commercial reasons

You'll need your identification, financial and employment details handy to complete the application.

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