act. Personal Loans

Rates and fees last updated on

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

Rates last updated October 24th, 2017
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Monthly Repayment Product Description
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 24th, 2017
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Monthly Repayment Product Description
SocietyOne Unsecured Personal Loan
From 7.5% (fixed)
9.51%
$5,000
2 to 5 years
$0
3% (of loan amount)
Based on your risk profile, you will receive a tailored rate between 7.5% and 20.14% with a SocietyOne personal loan.
DirectMoney Unsecured Personal Loan
From 8.5% (fixed)
9.36%
$5,000
3 to 5 years
$0
$595
This unsecured loan features tiers of interest rates from 8.5% p.a. to 19.95% p.a. based on your credit history.
Citi Personal Loan Plus
From 9.99% (variable)
10.95%
$5,000
3 to 5 years
$10
$199
Borrow up to $75,000 to use for a range of purposes. Competitive rate of 9.99% p.a. available to all approved applicants.
RateSetter Personal Loan
From 8.66% (fixed)
9.17%
$2,001
0.5 to 5 years
$0
$0 (Upfront fee $250 for loan terms of 2 years and above)
RateSetter offers personalised interest rates ranging from 3.7% p.a. to 9.6%.p.a. determined by your risk profile.
Pepper Money Unsecured Fixed Rate Personal Loan
From 9.99% (fixed)
9.99%
$5,000
1 to 7 years
$0
$0
Apply for up to $50,000 and receive conditional approval within minutes.
Westpac Unsecured Personal Loan
From 12.99% (fixed)
14.14%
$4,000
1 to 7 years
$12
$0 (On new loan applications before 7th December 2017)
Borrow up to $50,000 for a term of up to 7 years with the unsecured Loan from Westpac
Bank Australia Lifestyle Personal Loan
From 11.89% (variable)
12.94%
$1,000
1 to 10 years
$0
$150
A competitive variable rate loan that gives you ten years to repay.
NOW FINANCE Personal Loans
From 8.95% (fixed)
10.42%
$4,000
1.5 to 7 years
$13
$395 (Based on $10,000)
Get rewarded with a low interest rate for your good credit history. Rates from 8.95% p.a. to 16.95% p.a. depending on your credit score.
RateSetter 2-Year Personal Loan
From 4.69% (variable)
7.11%
$2,001
2 years
$0
$0 (Upfront fee $250 for loan terms of 2 years and above)
This peer-to-peer loan is only available for a 2-year term at the rate of 4.69% p.a.
bcu Unsecured Freedom Loan
From 10.8% (variable)
13.9%
$4,000
1 to 5 years
$8
$200
A flexible personal loan available from $4,000 that you can use for any purpose.
SocietyOne Unsecured Personal Loan – A rated borrowers
From 10.57% (fixed)
12.28%
$5,000
2 to 5 years
$0
Up to 4.5% of loan amount (Fee is based on your borrower grade and loan amount.)
Interest rates from 8.95% p.a. to 14.14% p.a. Comp. Rate from 8.95% p.a. to 21.03% p.a.depending on your credit score
St.George Unsecured Personal Loan - Fixed Rate
From 12.99% (fixed)
14.06%
$2,000
1 to 5 years
$12
$195
Convenient redraw facility, flexible personal loan repayment options with competitive interest rate.
Latitude Personal Loans (Unsecured)
From 13.99% (fixed)
15.19%
$3,000
2 to 7 years
$13
$250 (Loans under $4000 - $140)
An unsecured loan designed for multiple purposes – renovating, buying a car or travelling. Funds can be in your account in as little as 24 hours.
BankSA Unsecured Fixed Rate Personal Loan
From 14.06% (fixed)
14.06%
$3,000
1 to 5 years
$12
$195
Take advantage of a competitive fixed rate and no application fee for a limited time.
Bank of Melbourne Unsecured Variable Rate Personal Loan
From 12.99% (variable)
14.06%
$3,000
1 to 7 years
$12
$195
An unsecured personal loan that gives you a choice between a fixed or variable rate.

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.

SocietyOne Unsecured Personal Loan

Based on your risk profile, you will receive a tailored rate between 7.5% and 20.14% with a SocietyOne personal loan.

Citi Personal Loan Plus

Borrow up to $75,000 to use for a range of purposes. Competitive rate of 9.99% p.a. available to all approved applicants.

DirectMoney Unsecured Personal Loan

This unsecured loan features tiers of interest rates from 8.5% p.a. to 19.95% p.a. based on your credit history.

Westpac Unsecured Personal Loan

Borrow up to $50,000 for a term of up to 7 years with the unsecured Loan from Westpac

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