Compare Personal Loans ACT 2026 - Best Rates from Top Lenders
Compare personal loan rates available to Australian Capital Territory residents. Find secured, unsecured, fixed and variable loans from major banks and online lenders. Rates from 5.54% p.a. Canberra’s highest incomes mean strong borrowing capacity.
Rates updated 5 September 2026
Estimated monthly savings $0
Estimated total savings $0
Based on a typical 10.11% p.a. vs our lowest 5.54% p.a. Actual savings depend on credit and loan details.
100% free. No impact on your credit score.
Where ACT personal loan rates sit today
Held at 4.35% - 11 Aug 2026
Highest household incomes
5.64% comparison rate
Canberra’s stable public-sector workforce and highest household incomes in Australia support competitive lending. With a $20K median loan size, RBA rate cuts, and secured rates from 5.64%, ACT borrowers can compare personal loan pricing across major banks and online lenders.
Best Personal Loan Rates in the ACT
ACT residents can access personal loans from all major national lenders. Monthly repayments shown are based on a $25,000 loan over 5 years. Rates current as of 20 May 2026.
| Lender | Product | Rate (p.a.) | Comparison Rate | Monthly ($25k/5yr) | Type | Features | Compare |
|---|---|---|---|---|---|---|---|
| BankWAW | Green Car Loan | 5.54% | 5.57% | $382 | Variable | ||
| Credit Union SA | Green Loan Secured | 5.64% | 5.64% | $383 | Fixed | Redraw | |
| Liberty Financial | Secured personal loan | 5.67% | 6.10% | $384 | Fixed | ||
| Westpac | Car Loan | 5.74% | 7.16% | $384 | Fixed | Digital banking | |
| NAB | NAB Car Loan | 5.99% | 7.55% | $387 | Fixed | ||
| ING | ING Personal Loan | 6.19% | 7.03% | $388 | Fixed | Digital banking | |
| WOOLWORTHS TEAM BANK | Electric Vehicle Loan | 6.19% | 6.63% | $388 | Variable | ||
| IMB Bank | New Car Loan | 6.24% | 6.59% | $389 | Fixed | Digital banking | |
| Bendigo Bank | Bendigo Secured Green Personal Loan | 6.24% | 6.61% | $389 | Fixed | Redraw | |
| Bank of us | RESIDENTIALLY SECURED PERSONAL LOAN | 6.29% | 6.57% | $389 | Variable | NPP, Redraw, Digital banking | |
| Bank Australia | Fixed Car Loan | 6.29% | 6.29% | $389 | Fixed | Digital banking, Redraw | |
| Liberty Financial | Unsecured personal loan | 6.30% | 6.30% | $389 | Fixed | ||
| Defence Bank Limited | New Car Loan | 6.39% | 7.17% | $390 | Variable | Redraw, Digital banking | |
| Defence Bank Limited | Used Car Loan | 6.39% | 7.17% | $390 | Variable | Redraw, Digital banking | |
| A-Auswide Bank | CAR LOAN | 6.48% | 7.19% | $391 | Fixed | Redraw | |
| Bank of us | Personal Loan | 6.49% | 6.77% | $391 | Variable | Redraw, Digital banking, NPP | |
| St. George Bank | Secured Fixed Personal Loan | 6.49% | 7.90% | $391 | Fixed | Digital banking | |
| Bank of Melbourne | Secured Fixed Personal Loan | 6.49% | 7.90% | $391 | Fixed | Digital banking | |
| BankSA | Secured Fixed Personal Loan | 6.49% | 7.90% | $391 | Fixed | Digital banking | |
| Westpac | Car Loan | 6.49% | 7.90% | $391 | Fixed | Digital banking |
Green Car Loan
5.57%
$382
Variable
Green Loan Secured
5.64%
$383
Fixed
Secured personal loan
6.10%
$384
Fixed
Car Loan
7.16%
$384
Fixed
NAB Car Loan
7.55%
$387
Fixed
ING Personal Loan
7.03%
$388
Fixed
Electric Vehicle Loan
6.63%
$388
Variable
New Car Loan
6.59%
$389
Fixed
Bendigo Secured Green Personal Loan
6.61%
$389
Fixed
RESIDENTIALLY SECURED PERSONAL LOAN
6.57%
$389
Variable
Fixed Car Loan
6.29%
$389
Fixed
Unsecured personal loan
6.30%
$389
Fixed
New Car Loan
7.17%
$390
Variable
Used Car Loan
7.17%
$390
Variable
CAR LOAN
7.19%
$391
Fixed
Personal Loan
6.77%
$391
Variable
Secured Fixed Personal Loan
7.90%
$391
Fixed
Secured Fixed Personal Loan
7.90%
$391
Fixed
Secured Fixed Personal Loan
7.90%
$391
Fixed
Car Loan
7.90%
$391
Fixed
Car Loan
7.90%
$391
Fixed
New Car Loan
6.93%
$391
Variable
Green Loan
6.49%
$391
Fixed
Education Community online-only Special Fixed Rate Personal Loan
6.69%
$393
Fixed
NAB Car Loan
8.29%
$394
Fixed
Secured Fixed Rate Car Loan
8.20%
$394
Fixed
Secured Fixed Rate Car Loan
8.20%
$394
Fixed
Secured Fixed Rate Car Loan
8.20%
$394
Fixed
Secured Fixed Rate Car Loan
8.20%
$394
Fixed
Secured Fixed Rate Car Loan
11.78%
$394
Fixed
Secured Fixed Rate Car Loan
11.78%
$394
Fixed
Secured Fixed Rate Car Loan
11.78%
$394
Fixed
Personal Loan
7.27%
$396
Variable
Green Loan Secured
7.34%
$396
Fixed
Education Community Special Fixed Rate Personal Loan
6.99%
$396
Fixed
Unsecured Fixed Personal Loan
8.41%
$396
Fixed
Unsecured Variable Personal Loan
8.41%
$396
Variable
Unsecured Variable Personal Loan
8.41%
$396
Variable
Unsecured Fixed Personal Loan
8.41%
$396
Fixed
Unsecured Variable Personal Loan
8.41%
$396
Variable
Unsecured Fixed Personal Loan
8.41%
$396
Fixed
Secured Personal Loan
7.59%
$398
Fixed
Unsecured Fixed Rate Personal Loan
8.30%
$398
Fixed
Unsecured Fixed Rate Personal Loan
8.30%
$398
Fixed
Unsecured Fixed Rate Personal Loan
8.30%
$398
Fixed
Unsecured Fixed Rate Personal Loan
8.30%
$398
Fixed
Unsecured Fixed Rate Personal Loan
10.48%
$398
Fixed
Unsecured Fixed Rate Personal Loan
10.48%
$398
Fixed
Unsecured Fixed Rate Personal Loan
10.48%
$398
Fixed
Unsecured Personal Loan
8.69%
$399
Fixed
Car Loan
7.50%
$399
Variable
Fixed Car Loan
7.50%
$399
Fixed
Green Loan Unsecured
7.29%
$399
Fixed
Small Green Loan
7.37%
$399
Variable
Personal Loan Secured
7.37%
$399
Variable
Personal Loan
7.77%
$401
Variable
Secured Fixed Rate Personal Loan
7.90%
$401
Fixed
Secured Fixed Rate Personal Loan
7.90%
$401
Fixed
Secured Fixed Rate Personal Loan
7.90%
$401
Fixed
Lifestyle Personal Loan
8.52%
$401
Variable
NAB Personal Loan
8.41%
$401
Fixed
NAB Personal Loan
8.41%
$401
Variable
Online-only Special Fixed Rate Personal Loan
8.18%
$403
Fixed
Brand New Vehicle Loan
8.30%
$403
Fixed
Unsecured Variable Rate Personal Loan
8.79%
$403
Variable
Personal Loan - Secured
8.04%
$404
Fixed
UNSECURED PERSONAL LOANS
8.49%
$404
Fixed
Used Car Loan
8.39%
$405
Variable
Special Fixed Rate Personal Loan
8.48%
$405
Fixed
Personal Loan Secured Other
8.27%
$408
Variable
Bendigo Green Unsecured Personal Loan
9.27%
$408
Fixed
Low doc car loan
8.29%
$408
Variable
Green Loan Unsecured
8.64%
$408
Fixed
Unsecured Fixed Rate Personal Loan
8.49%
$410
Fixed
Unsecured Fixed Rate Personal Loan
8.49%
$410
Fixed
Unsecured Fixed Rate Personal Loan
8.49%
$410
Fixed
PERSONAL
10.71%
$410
Variable
Secured Fixed Rate Car Loan
10.18%
$413
Fixed
Secured Fixed Rate Car Loan
10.18%
$413
Fixed
Secured Fixed Rate Car Loan
10.18%
$413
Fixed
Secured Fixed Rate Car Loan
10.18%
$413
Fixed
Secured Fixed Rate Car Loan
13.74%
$413
Fixed
Secured Fixed Rate Car Loan
13.74%
$413
Fixed
Secured Fixed Rate Car Loan
13.74%
$413
Fixed
UNSECURED PERSONAL LOANS
9.68%
$415
Fixed
Personal Loan
9.28%
$415
Variable
Flexible car loan
10.65%
$415
Variable
Car Loan Fixed 1-5 Years
9.12%
$415
Fixed
Education Community Fixed Rate Personal Loan
8.99%
$415
Fixed
Personal Loan
10.06%
$416
Variable
Unsecured Personal loan
9.60%
$418
Fixed
Personal Loan
10.53%
$420
Variable
Used Vehicle Loan
10.32%
$420
Fixed
Lifestyle Personal Loan
10.53%
$420
Variable
Bendigo Secured Student Personal Loan
9.70%
$420
Fixed
Bendigo Secured Personal Loan
10.26%
$420
Fixed
Fixed Rate Personal Loan
10.49%
$425
Fixed
Car Loan
11.66%
$428
Fixed
Secured Fixed Rate Car Loan
12.16%
$433
Fixed
Secured Fixed Rate Car Loan
12.16%
$433
Fixed
Secured Fixed Rate Car Loan
12.16%
$433
Fixed
Secured Fixed Rate Car Loan
12.16%
$433
Fixed
Secured Fixed Rate Car Loan
15.71%
$433
Fixed
Secured Fixed Rate Car Loan
15.71%
$433
Fixed
Secured Fixed Rate Car Loan
15.71%
$433
Fixed
Personal Loan
11.28%
$435
Variable
Personal Loan
11.28%
$435
Variable
PERSONAL
13.90%
$441
Variable
Bendigo Unsecured Student Personal Loan
11.74%
$442
Fixed
Personal Loan Variable
12.08%
$444
Variable
Personal Loan Unsecured
12.08%
$445
Variable
Fresh start car loan
15.06%
$450
Variable
Personal Loan Unsecured
15.58%
$450
Fixed
Education Community Variable Rate Personal Loan
12.60%
$451
Variable
NAB Car Loan
14.29%
$453
Fixed
Secured Fixed Personal Loan
14.34%
$455
Fixed
Secured Fixed Personal Loan
14.34%
$455
Fixed
Secured Fixed Personal Loan
14.34%
$455
Fixed
Car Loan
14.34%
$455
Fixed
NAB Car Loan
15.03%
$461
Fixed
Variable Rate Personal Loan
14.12%
$461
Variable
Consolidation Loan
14.93%
$465
Variable
Personal Secured Loan
16.65%
$469
Variable
Bendigo Unsecured Personal Loan
16.64%
$471
Fixed
Personal Loan - Unsecured
15.18%
$475
Fixed
Green Car Loan
7.58%
$476
Fixed
Green Car Loan
9.08%
$476
Fixed
Green Car Loan
12.59%
$476
Fixed
Green Car Loan
6.23%
$476
Fixed
Green Car Loan
10.58%
$476
Fixed
Green Car Loan
11.59%
$476
Fixed
Secured Fixed Car Loan
6.63%
$476
Fixed
Secured Fixed Car Loan
8.33%
$476
Fixed
Secured Fixed Car Loan
9.83%
$476
Fixed
Secured Fixed Car Loan
13.34%
$476
Fixed
Secured Fixed Car Loan
11.34%
$476
Fixed
Secured Fixed Car Loan
12.34%
$476
Fixed
Personal Unsecured Loan
17.66%
$479
Variable
Unsecured Fixed Rate Personal Loan
17.18%
$489
Fixed
Unsecured Fixed Rate Personal Loan
17.18%
$489
Fixed
Unsecured Fixed Rate Personal Loan
17.18%
$489
Fixed
Unsecured Fixed Rate Personal Loan
17.18%
$489
Fixed
Unsecured Fixed Rate Personal Loan
19.25%
$489
Fixed
Unsecured Fixed Rate Personal Loan
19.25%
$489
Fixed
Unsecured Fixed Rate Personal Loan
19.25%
$489
Fixed
Unsecured Variable Rate Personal Loan
17.68%
$494
Variable
Unsecured Green Personal Loan
6.49%
$497
Fixed
Unsecured Green Personal Loan
8.94%
$497
Fixed
Unsecured Green Personal Loan
12.44%
$497
Fixed
Unsecured Green Personal Loan
19.44%
$497
Fixed
Unsecured Green Personal Loan
16.44%
$497
Fixed
Unsecured Green Personal Loan
17.94%
$497
Fixed
Unsecured Fixed Personal Loan
9.69%
$497
Fixed
Unsecured Fixed Personal Loan
13.19%
$497
Fixed
Unsecured Fixed Personal Loan
20.19%
$497
Fixed
Unsecured Fixed Personal Loan
7.49%
$497
Fixed
Unsecured Fixed Personal Loan
17.19%
$497
Fixed
Unsecured Fixed Personal Loan
18.69%
$497
Fixed
Flexi Loan
18.99%
$519
Variable
ING Personal Loan
20.78%
$530
Fixed
Unsecured Fixed Personal Loan
23.28%
$552
Fixed
Unsecured Variable Personal Loan
23.28%
$552
Variable
Unsecured Variable Personal Loan
23.28%
$552
Variable
Unsecured Fixed Personal Loan
23.28%
$552
Fixed
Unsecured Variable Personal Loan
23.28%
$552
Variable
Unsecured Fixed Personal Loan
23.28%
$552
Fixed
NAB Personal Loan
22.29%
$552
Fixed
NAB Personal Loan
22.29%
$552
Variable
Unsecured Personal Loan
23.48%
$555
Fixed
Unsecured Fixed Rate Personal Loan
23.12%
$555
Fixed
Unsecured Fixed Rate Personal Loan
23.12%
$555
Fixed
Unsecured Fixed Rate Personal Loan
23.12%
$555
Fixed
Unsecured Fixed Rate Personal Loan
23.12%
$555
Fixed
Unsecured Fixed Rate Personal Loan
25.11%
$555
Fixed
Unsecured Fixed Rate Personal Loan
25.11%
$555
Fixed
Unsecured Fixed Rate Personal Loan
25.11%
$555
Fixed
Unsecured Variable Rate Personal Loan
23.62%
$561
Variable
Rates based on a $25,000 personal loan over 5 years. Comparison rates calculated on a $10,000 loan over 3 years per ASIC guidelines.
Savings example: On ACT’s typical ~$20,000 personal loan over 5 years, cutting your rate by 2.50% saves about $25/month - around $1,470 over the life of the loan.
Consolidate debt and save up to $1,327/year
Personal loans from 5.54% p.a. across 20+ Australian lenders - much cheaper than the typical 20% credit card APR.
- Consolidate credit card debt to a single lower payment
- Borrow $5,000 to $80,000 from 5.54% p.a.
- We refer your enquiry to our accredited broker partner
*Illustrative only. Based on consolidating $15,000 of credit card debt at 20% p.a. (typical Australian credit card APR) into a personal loan at 5.54% p.a. over 5 years. Actual savings depend on your debt balance, interest rates, loan term and approved rate.
Personal Loan Calculators for the Australian Capital Territory
Estimate repayments and potential debt consolidation savings on a typical ACT personal loan before you apply.
ACT Personal Loan Repayment Calculator
Calculate monthly, fortnightly or weekly repayments and total interest paid on a typical ACT personal loan.
Repayment
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Total interest
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Illustrative only, not an offer or quote.
ACT Debt Consolidation Calculator
See indicative figures on consolidating multiple debts into a single personal loan for ACT borrowers.
Current monthly payment
$0
New monthly payment
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Monthly savings
$0
Total interest savings
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Illustrative only, not an offer or quote.
We compare Australia's leading personal loan lenders
(to save you the run-around)
Compare ACT personal loan rates side by side.
Whether it's a renovation, wedding, debt consolidation or something else, the gap between ACT personal loan rates can mean thousands. Compare 20+ Australian lenders in minutes.
Personal Loans in the ACT
The ACT has Australia's highest median household income at approximately $130,000, largely driven by public sector employment. Canberra's stable employment market and high incomes make ACT residents attractive to lenders, often qualifying for larger loan amounts at competitive rates. Common loan purposes include vehicle purchases (Canberra is very car-dependent), home renovations, EV purchases (with ACT government incentives), and travel.
ACT at a glance
- Median household income
- ~$130,000
- Population
- 465,000
- Average personal loan
- $22,000-$40,000
- Top loan purposes
- Cars, EVs, renovations
ACT borrowing tips
- Government employment strengthens loan applications
- Check ACT EV incentives before financing an electric vehicle
- High ACT incomes support larger borrowing amounts
- Compare online lenders for fastest approval in Canberra
Types of Personal Loans in the ACT
Backed by an asset (e.g. car). Lower rates from 5.54%.
No asset required. Assessed on income and credit.
Rate locked for the full term. Predictable repayments.
Rate can change. Flexibility for extra repayments.
Combine multiple debts into one manageable loan.
Debt consolidation lever for the ACT: Rolling $20,000 of credit-card debt at ~22% p.a. into a 5.54% personal loan over 5 years cuts your interest bill by roughly $2,800/year - and replaces multiple Canberra-tempo minimum payments with a single fixed repayment.
Secured vs Unsecured Personal Loans: Which Should You Choose?
In 2026, secured personal loan rates start from 5.64% p.a. (5.64% comparison rate) while unsecured rates start from 5.54% p.a. (5.57% comparison rate) Secured loans use an asset (typically a car) as collateral, resulting in lower rates but risk of repossession. Unsecured loans offer flexibility with no asset at risk, but at higher rates.
Choose secured if…
- You are buying a car or asset
- You want the lowest possible rate
- You are comfortable with collateral
Choose unsecured if…
- You have no asset to offer as security
- You want flexibility on how funds are used
- You do not want to risk asset repossession
Choose line of credit if…
- You need ongoing access to funds
- You only want to pay interest on what you use
- You have strong spending discipline
Secured loan tip: Backing your loan with an asset (typically a car or term deposit) can cut 2-3 percentage points off your rate. On a $20,000 loan, moving to a secured loan ~2.5% lower saves roughly $2,880 over 5 years - worth it if you have an eligible asset and are comfortable offering it as security.
Frequently Asked Questions
Everything you need to know about personal loans in the ACT.
Compare Personal Loans in Other States
Rates shown are indicative and sourced from lender websites. Actual rates depend on your credit profile, loan amount and term. Comparison rates are based on a $10,000 unsecured loan over 3 years as per ASIC guidelines. This information is general in nature and does not constitute financial advice. "Lowest" = the lowest rate on our live CDR feed at the time of viewing, across the lenders we display. Rates update daily and not all lenders are included, so other products may be lower. Source: Consumer Data Right (CDR), lender websites. Last updated: 5 September 2026. 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.
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