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act. Personal Loans

act. offers socially responsible banking that may help you get the financing you need.

If you’re looking for a secured or unsecured personal loan, how about opting for a lender that lets you contribute to a cause you’re passionate about? This is the core of banking and financing with act. Backed by Bendigo Bank, act. offers a new way of banking by letting you earn dollars for every product you have with it. These "Impact Dollars" can then be put towards an available project or cause. Find out more of the benefits of an act. Secured or Unsecured Personal Loan.

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.

act. personal loans comparison

Rates last updated October 17th, 2018
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
act. Unsecured Personal Loan
From 12.79% (fixed)
14.89%
$2,000
1 to 7 years
$5
$150
An unsecured personal loan that allows you to earn points to donate to social projects.
act. Secured Personal Loan
From 7.79% (fixed)
8.64%
$2,000
1 to 7 years
$5
$150 ($100 for document preparation)
This secured loan backed by Bendigo Bank that allows you to support social projects that will change lives.

Compare up to 4 providers

Rates last updated October 17th, 2018
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
Harmoney Unsecured Personal Loan
From 6.99% (fixed)
7.69%
$5,000
3 to 5 years
$0
$500 (Upfront fee)
You'll receive a fixed rate between 6.99% p.a. and 26.95% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 year terms.
Citi Personal Loan Plus
From 8.99% (variable)
9.96%
$5,000
3 to 5 years
$10
$199
You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.96% p.a. to 18.91% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.
RateSetter 3-Years Personal Loan
From 8.69% (fixed)
11.24%
$2,001
0.5 to 5 years
$0
$220
You'll receive a fixed rate from 8.69% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 5 years.
SocietyOne Unsecured Personal Loan
From 7.5% (fixed)
9.51%
$5,000
2 to 5 years
$0
3% (of loan amount)
You'll receive a fixed rate between 7.5% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
HSBC Personal Loan
From 9.5% (fixed)
10.06%
$5,000
1 to 5 years
$5
$150
You'll receive a fixed rate between 9.5% p.a. and 15.99% p.a. based on your risk profile
An unsecured personal loan with a tailored, fixed rate where you can make additional and early repayments without penalty.
ANZ Fixed Rate Personal Loan
10.99% (fixed)
11.87%
$5,000
1 to 7 years
$10
$150
You'll receive a fixed rate of 10.99% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.
Westpac Unsecured Personal Loan
12.99% (fixed)
14.14%
$4,000
1 to 7 years
$12
$250
You'll receive a fixed rate of 12.99% p.a.
Benefit from the security of a fixed rate with the flexibility of additional repayments. Existing Westpac customers may qualify for discounts.
ANZ Variable Rate Personal Loan
15.99% (variable)
16.84%
$5,000
1 to 7 years
$10
$150
You'll receive a variable rate of 15.99% p.a.
A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility.
Latitude Personal Loan (Unsecured)
From 13.99% (fixed)
15.19%
$3,000
2 to 7 years
$13
$250 (Loans under $4000 - $140)
You'll receive a fixed rate between 13.99% p.a. and 29.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Flexible repayments options.
Latitude Low Rate Personal Loan (Unsecured)
10.99% (fixed)
12.21%
$20,000
2 to 7 years
$13
$250
You'll receive a fixed rate of 10.99% p.a.
A secured or unsecured loan available to homeowners with a large minimum borrowing amount of . Benefit from flexible repayments and fast approval.
Pepper Money Unsecured Fixed Rate Personal Loan
From 9.99% (fixed)
9.99%
$5,000
1 to 7 years
$0
$0
You'll receive a fixed rate between 9.99% p.a. and 27.99% p.a. based on your risk profile
A loan from $50,000 to use for a range of purposes. Benefit from no monthly or application fees.
NOW FINANCE Personal Loans
From 8.95% (fixed)
10.56%
$5,000
1.5 to 7 years
$13
$495 (Based on $10,000)
You'll receive a fixed rate between 8.95% p.a. and 16.95% p.a. based on your risk profile
Apply for loans from $5,000 and get a dedicated loan manager. No security required. Note: Get your loan approved and settled before 31 October 2018 and receive a $200 Coles gift card.
St.George Unsecured Personal Loan - Fixed Rate
From 12.99% (fixed)
14.06%
$2,000
1 to 5 years
$12
$195
You'll receive a fixed rate between 12.99% p.a. and 19.99% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 to fund a range of purposes.
Australian Military Bank Fixed Rate Personal Loan
From 7.93% (fixed)
8.77%
$1,000
1 to 5 years
$10
from $100 to $500
You'll receive a fixed rate between 7.93% p.a. and 18.87% p.a. based on your risk profile
An unsecured loan with a low minimum borrowing amount and flexible repayment options.
RACQ Bank Unsecured Personal Loan
12.95% (variable)
13.25%
$3,000
5 years
$0
$200
You'll receive a variable rate of 12.95% p.a.
A low minimum borrowing amount of $3,000 that you can use for a range of purposes. Benefit from member discounts and flexible repayments. Only available to QLD residents
Australian Military Bank Variable Rate Personal Loan
From 7.88% (variable)
8.72%
$1,000
1 to 7 years
$10
from $100 to $500
You'll receive a variable rate between 7.88% p.a. and 18.82% p.a. based on your risk profile
An unsecured loan with flexible repayment options and a low minimum borrowing amount.

Compare up to 4 providers

  • Secured Personal Loan. New or used vehicles over $2,000 can be purchased with this loan, and you can also use it to refinance an existing loan. A competitive 7.79% p.a. rate will stay in place for a period of between 1 and 7 years and you can make unlimited additional repayments.
  • Unsecured Personal Loan. To finance something where you can’t or don’t have security, like a holiday, you can opt for the unsecured loan. Borrow a minimum of $2,000 and have up to 7 years to repay it – you’ll repay your loan at a rate of 12.79% p.a.

The features that come with an act. personal loan

  • Impact Dollars. For every banking product you take out with act., including a personal loan, you will earn Impact Dollars to put towards a cause that matters to you. For instance, a loan of $10,000 will earn you $4.16 per month in Impact Dollars.
  • Unlimited additional repayments. If you’re able to put extra money towards your loan, you can do so without worrying about penalties.
  • Redraw facility. Both the secured and unsecured personal loans come with an online redraw facility, giving you access to any additional repayments you make.
  • Repayment flexibility. Repay your loan as per your budget with the option of weekly, fortnightly or monthly repayments.

Are there any other banking products from act.?

You can earn more Impact Dollars towards causes through any of the products offered by act. below.

  • act. home loans. You can choose between a variable, fixed or interest-only loan with act. and take advantage of competitive rates, redraw facilities, free home insurance and other features.
  • act. savings account. Put your savings to good use by earning interest as well as Impact Dollars. No monthly service fee is charged and interest is calculated daily.
  • act. transaction account. You can also earn Impact Dollars with your transaction account as well as get access to features like a debit MasterCard and no monthly account fees. If you have an act. Home Loan you’ll also pay no eligible transaction fees.
  • act. credit cards. Choose between a platinum and a standard credit card, both earning you Impact Dollars. The platinum offering gives you travel insurance and 55 days interest-free on purchases while the standard offering gives you a competitive low rate.

How you can apply for a personal loan with act.

If you’re interested in applying for a personal loan, just click ‘Go to Site’ to submit your application. You’ll need to meet the following criteria:

  • Over the age of 18
  • An Australian citizen or permanent resident
  • You are in paid employment
  • There are no more than two applicants
  • You have no defaults, court judgements or bankruptcies on your credit history
  • You’re not applying for business or commercial reasons

If you meet the minimum eligibility criteria, check you have the following information ready:

  • Your income and employment details
  • Information regarding your assets and commitments
  • Driver’s licence or passport number
  • Medicare card details
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Related Posts

Personal Loan Offers

Important Information*
HSBC Personal Loan

You'll receive a fixed rate between 9.5% p.a. and 15.99% p.a. based on your risk profile
An unsecured personal loan with a tailored, fixed rate where you can make additional and early repayments without penalty.

Citi Personal Loan Plus

You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.96% p.a. to 18.91% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.

SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 7.5% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

Latitude Personal Loan (Unsecured)

You'll receive a fixed rate between 13.99% p.a. and 29.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Flexible repayments options.

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