act. Personal Loans

Rates and Fees verified correct on May 25th, 2017

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. personal loans comparison

Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment Product Description
act. Unsecured Personal Loan
From 12.79% (fixed)
1 to 7 years
An unsecured personal loan that allows you to earn points to donate to social projects.
act. Secured Personal Loan
From 7.79% (fixed)
1 to 7 years
$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

Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment Product Description
Citi Personal Loan Plus
From 11.99% (variable)
3 to 5 years
$199 (monthly fees waived in the first year)
Borrow up to $75,000. All approved applicants will receive the advertised rate of 11.99% p.a.
CUA Discount Fixed Personal Loan (Loans over $30,000)
From 10.99% (fixed)
1 to 7 years
Take advantage of a competitive fixed rate and no monthly fees when you borrow over $30,000
BOQ Unsecured Fixed Personal Loan
From 12.39% (fixed)
1 to 7 years
Apply for up to $40,000 and have up to 7 years to repay your loan.
Bank Australia Lifestyle Personal Loan
From 11.89% (variable)
1 to 10 years
A competitive variable rate loan that gives you ten years to repay.
Latitude Personal Loans (Unsecured)
From 13.99% (fixed)
2 to 7 years
$250 (Loans under $4000 - $140)
An unsecured loan designed for multiple purposes – renovating, buying a car or travelling. Funds can be in your count in as little as 24 hours.
QT Mutual Bank Personal Loan
From 12.95% (variable)
5 years
$395 (establishment fee)
You can use this personal loan to buy just about anything: a new boat, home renovations, a holiday or even to consolidate existing debt. Only available to Queenslanders
Bank Australia Personal Loan Property Owner
From 7.89% (variable)
1 to 10 years
Homeowners can take advantage of a lower rate and use the funds for any purpose.
MyState Unsecured Personal Loan
From 12.99% (variable)
1 to 7 years
Apply for up to $50,000 and make additional repayments without penalty.
SocietyOne Unsecured Personal Loan
From 7.88% (fixed)
2 to 5 years
3% (of loan amount)
Interest rates for a 3 year loan range from 7.88% p.a. to 25.49% p.a. Comparison rate from 9.9% p.a. to 26.74% p.a. for good credit scores A and AA
CUA Discount Variable Personal Loan (Loans over $30,000)
From 10.89% (variable)
1 to 7 years
Apply for a loan over $30,000 and enjoy a discounted interest rate
St.George Get Set Loan Personal Loan
From 17% (variable)
A revolving line of credit that lets you access your funds as and when you need to.

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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This page was last modified on 24 May 2017 at 1:55pm.

Citi Personal Loan Plus

Borrow up to $75,000. All approved applicants will receive the advertised rate of 11.99% p.a.

Latitude Personal Loan (Secured)

Can be used for whatever purpose: renovating, buying a car, booking a holiday. Funds can be in your account in as little as 24 hours.

CUA Discount Variable Personal Loan (Loans over $30,000)

Apply for a loan over $30,000 and enjoy a discounted interest rate

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