SocietyOne provides investors with the opportunity to invest directly into a portfolio of consumer loans, an asset class that has previously not been available for direct investment.

As Australia's only active peer-to-peer lender, SocietyOne offers investors the opportunity to earn returns by investing directly in a portfolio of personal loans. All applicants for these loans have been credit scored and have met the "Know your Customer" requirements. Click on the Video below to learn how it works.

                           Personal Loans Market Investor Video

SocietyOne invites all interested investors to register with us. Investors will be invited to join the online platform according to their investor status.

Our platform is now open to ‘Sophisticated Investors’. If you are a Sophisticated Investor please register here.

If you are interested in investing with SocietyOne and are not able to satisfy the ‘Sophisticated Investors’ test please register here and we will keep you updated with our progress.

If you represent an Institution that may be interested in investing on our online platform, please register your interest and we will get in touch to discuss your participation.


You can register your investor interest with SocietyOne today. What type of investor are you?

SocietyOne Company Blog and Latest P2P Lending News

SocietyOne offers the investor flexibility and choice. You decide which loans and how much you want to invest in each. As we launch we will offer qualifying borrowers a transparent low interest rate, however over time SocietyOne plans to deliver an online platform, where investors are able to set the interest rate for borrowers.

Diversify your online portfolio to maximise your returns and directly manage your portfolio through a user-friendly online interface.

Enjoy steady cashflow, knowing that your personal lending rates have historically been less correlated with interest rate movements than other fixed income products such as bonds and term deposit products. SocietyOne operates with a trust structure, so your investment is held on trust for your benefit.

Enjoy a new level of empowerment when it comes to investing your money, your way:

• Chose how to diversify your portfolio
• Invest small amounts in more loans to maximise returns
• Build a predictable income stream for terms of 12 months to 36 months
• You help others, whilst earning your returns


SocietyOne is a loan origination and investment platform, that facilitates direct involvement of lenders with borrowers. Utilising online channels to acquire borrower loan applications, SocietyOne utilises its proprietary ClearMatch™ technology platform to manage loans through to maturity. By licensing the ClearMatch™ platform and using a P2P lending model SocietyOne aims to operate at much lower cost than a traditional bank and therefore pass on these savings in the form of cheaper borrowing costs for borrowers and better rates of return for investors.


SocietyOne only accepts personal loans applications from quality creditworthy borrowers exhibiting excellent credit history, stable employment history and low existing debt levels. SocietyOne uses systems similar to traditional banks when it comes to employing rigorous borrower credit assessment and capacity-to-repay verification procedures.


SocietyOne employs rigorous assessment and verification processes on all loan applications. It also uses the latest industry best practice arrears management and collection process that is managed on the proprietary receivables management module, a key part of the larger ClearMatch™ technology platform.

*This comparison rate is based on 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 at our office or view it online Comparison Rate Schedule.
 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.

*** August Offer Terms And Conditions

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 34102) 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...