act. secured personal loan

Perfect for buying a new or used vehicle, or to refinance an existing car loan.

Plus, every month you'll earn Impact Dollars in your connected Impact Account, which can be donated to any of the awesome social projects featured on our projects page.

backed by Bendigo

Interest Rate 7.79% p.a
Comparison Rate1 8.64% p.a

View all Interest Rates

Account features

Minimum loan amount
  • $2,000
  • Loan terms between 1 and 7 years
  • Unlimited additional payments
  • Choose weekly, fortnightly or monthly repayments
  • Access additional repayments using online redraw
  • Application fee - $150
  • Document preparation fee - $100
  • Statutory fees and charges may apply
  • Security registration fee - At the rate applicable in your state
  • Monthly service fee - $5
  • Online redraw fee - $0
  • Early repayment fee - $20

Terms and conditions, fees and charges apply. All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.

Important information about comparison rates:

1 The comparison rates displayed are calculated for secured personal loans with a loan amount of $30,000 and a term of 5 years, for unsecured personal loans the loan amount is $10,000 with a term of 3 years.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

This information does not take your personal objectives, financial situations or needs into account. You should consider its appropriateness to your circumstances before acting on this information. Please read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

act. is a division of Community Sector Banking Pty Ltd ABN 88 098 858 765 (Australian Financial Services authorised representative No. 265317 and Australian Credit authorised representative No. 379667). Community Sector Banking is a franchisee of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence No. 237879 and is a wholly owned subsidiary of Community Sector Enterprises Pty Ltd ABN 95 098 858 354. Community Sector Enterprises is a 50/50 joint venture between Bendigo and Adelaide Bank and Community 21 Limited ABN 79 097 612 416.

Banking products are products of Bendigo and Adelaide Bank.

Any information provided is of a general nature only and does not take into account your objectives, financial situation or needs. Before acting on this information, you should consider its appropriateness to your personal circumstances. You should read the applicable Disclosure Documents available online at before making any decision.

Terms, conditions, fees and charges apply. All loans subject to normal lending criteria.