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act. Personal Loans

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

Updated

act.

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

Data indicated here is updated regularly
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
act. Unsecured Personal Loan

From 12.79% (fixed)
14.89%
$2,000
1 to 7 years
$150
$5
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
$150 ($100 for document preparation)
$5
This secured loan backed by Bendigo Bank that allows you to support social projects that will change lives.
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Compare up to 4 providers

Data indicated here is updated regularly
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Symple Loans Personal Loan

From 5.75% (variable)
6.47%
$5,000
1 to 7 years
from 0% to 5% of the loan amount
$10
You'll receive a personalised interest rate from 5.75% p.a. to 21.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
RateSetter Unsecured Fixed Personal Loan

From 6.49% (fixed)
7.04%
$2,001
3 to 5 years
$399 (based on $30,000)
$0
You'll receive a fixed rate between 6.49% p.a. and 12.79% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
RateSetter Unsecured Variable Personal Loan

From 6.49% (variable)
8.49%
$2,001
1 to 2 years
$299 (based on $10,000)
$0
You'll receive a variable rate from 6.49% p.a and 12.29% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.
CUA Unsecured Fixed Rate Personal Loan
9.89% (fixed)
10.14%
$5,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 9.89% p.a.
An unsecured loan from $5,000 with flexible repayments and no monthly fee.
SocietyOne Unsecured Personal Loan

From 7.50% (fixed)
9.51%
$10,000
2 to 5 years
from 3% of loan amount
$0
You'll receive a fixed rate between 7.50% p.a. and 20.49% p.a. based on your risk profile
A loan from $10,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
SocietyOne Unsecured Personal Loan

From 7.50% (fixed)
9.51%
$5,000
1 to 7 years
$300 (Based on $10,000)
$0
You'll receive a fixed rate between 7.50% p.a. and 20.49% 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.
CUA Discount Variable Personal Loan (Loans over $30,000)
10.89% (variable)
11.15%
$30,000
1 to 7 years
$175
$0
You'll receive a discounted variable rate of 10.89% p.a.
Borrow over $30,000 and receive a discounted interest rate. No monthly fees and a redraw facility also available.
Easy Street Fixed Rate Personal Loan
8.99% (fixed)
9.27%
$5,000
1 to 5 years
$195
$0
You'll receive a fixed rate of 8.99% p.a.
Borrow between $5,000 and $35,000 on terms from 1 to 5 years. No deposit, monthly fees or security needed.
MoneyPlace Unsecured Personal Loan

From 7.65% (fixed)
7.65%
$5,000
3 to 7 years
0% to 5.5% of loan amount, capped at $950
$0
You'll receive a fixed rate between 7.65% p.a. and 26.99% p.a. based on your risk profile
A no-frills personal loan that you can use for any purpose. Loan amounts available up to $50,000 and early repayments allowed.
Liberty Personal Loan

From 7.65% (fixed)
7.65%
$5,000
3 to 7 years
0% to 5.5% of loan amount, capped at $950
$0
You'll receive a fixed rate of 7.65% p.a. to 26.99% p.a. based on your risk profile
Apply for a credit limit from $5,000 to $50,000 on terms from 3 to 7 years and pay no ongoing fees or charges.
CUA Unsecured Variable Personal Loan
11.89% (variable)
12.15%
$5,000
1 to 7 years
$175
$0
You'll receive a variable rate of 11.89% p.a.
Borrow from $5,000 with the option for flexible repayments and no monthly fees.
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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 to 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

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 25.69% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 7.5% p.a. and 20.49% p.a. based on your risk profile
A loan from $10,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

Logo for Pepper Money Unsecured Fixed Rate Personal Loan
Pepper Money Unsecured Fixed Rate Personal Loan

You'll receive a fixed rate between 7.45% p.a. and 16.95% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Make additional repayments or pay off the loan early, penalty-free.

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