Why a SocietyOne Personal Loan?

Debt consolidation

Don't get stuck with expensive debt. Consolidate with a SocietyOne personal loan to one convenient, fixed monthly payment. It could save you money and help pay down debt faster.

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Switch to SocietyOne

Already have a personal loan? No problem. Check out our personal loan repayment calculator and see how much more you could save by switching your loan to SocietyOne today!

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Personal loan

Whether you're dreaming about a home reno or planning a wedding, with a SocietyOne unsecured personal loan you could borrow up to $30,000 at great rates for whatever you need.

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Why SocietyOne Loans are better

Lower personal loan rates

We pioneer risk-based pricing to get you the best deal, with lower fixed rates than most credit card companies and traditional lenders for unsecured personal loans.

Borrow up to $30,000

Our unsecured personal loans range from $5,000 to $30,000 with flexible loan terms from 12 to 36 months. Repayments can be fortnightly or monthly to suit your needs.

No establishment fees

With no establishment fee for a limited time***, SocietyOne has no hidden fees or monthly charges. If you want to make extra payments or prepay early, there are no exit fees so you can be free from debt faster.

Fast online process

Our application process is 100% online, which means less overhead costs and more savings to you. It also means faster approvals and quicker funding.

"It really has been the easiest transaction I think I have ever completed"

"Not only was my interest rate much lower, the process was so easy - all online with no need to physically go to the bank to fill out even more paperwork."

"With their fast and easy online processing, I completed my application within minutes, hassle free and no headaches"

"This process is the fastest, most seamless way to borrow money - welcome to the revolution!"

"My loan was 100% funded within 12 hours, and I had funds in my account within 4 days. It was ridiculously fast..."

Leah, QLD

Benny, SA

Lovey, VIC

Paul, VIC

Ian, WA

*This comparison rate is based on an A-credit grade borrower for a $10,000 Unsecured Personal Loan for a three year term.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate, but may influence the cost of the loan.
A Comparison Rate Schedule is available in the January Offer Terms and Conditions hyperlink below.
 SocietyOne Fees.

**SocietyOne Australia Pty Ltd does not guarantee any particular rate of return or the return of capital repayment from the SocietyOne P2P Lending Trust.  Past performance is not an indicator of future performance.

***January Offer Terms and Conditions and Comparison Rate Schedule. 
Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice contained in this website and before making any investment decision we recommend that you consider whether it is appropriate to your situation and seek appropriate financial, taxation and legal advice. Information on this website is intended for residents of Australia only.

SocietyOne Australia Pty Ltd does not guarantee any particular rate of return or the performance of any investment, nor do they guarantee the repayment of capital from the SocietyOne P2P Lending Trust. An authorised representative of and acting on behalf of Ironbark Asset Management Pty Ltd (ACN 136 679 420, AFSL 3410202) as intermediary of SocietyOne Australia Pty Ltd (ACN 151 627 977) ("SocietyOne") holder of Australian Credit Licence No. 423660, Issuer of the P2P Lending Trust.

Your Privacy Is Protected. When you register with SocietyOne either as a borrower or investor, your privacy is our priority.  SocietyOne adheres to a Privacy Policy standard similar to any Financial Service Provider. Your unique username, provides you anonymity to the general public.  Investors can only view limited borrower information necessary for making an investment decision and to ensure compliance with applicable laws and no Personal Identification Information is shared. Read more...