SocietyOne is Australia's only active peer-to-peer lender. We are able to offer borrowers cheaper loans and investors access to a new asset class. Our lower cost business model operates more efficiently than that of traditional banks and will initially target only certain classes of borrowers.

How P2P Lending Works

As a borrower you list your loan requirements, secure funds with no bank involvement and enjoy lower rates. You can view your activities online, enjoy fixed fortnightly or monthly payments and even pay out your loan early with no extra costs.

As an Investor you gain direct access to a new asset class, gain the possibility to achieve above average yields when compared with other fixed income investments and connect with a large audience of qualified borrowers. You decide which loans, how much to invest in each loan, and the rate at which you want to earn your interest. You can diversify your loan portfolio by spreading your investments over many loans for different reasons and with different risk categories.

SocietyOne is simply a better way!



1. Applicant's complete the Know Your Client process and loan application form.
2. SocietyOne verifies the information provided and credit assesses the application.
3. If the application is approved, it is listed on the SocietyOne loans platform for funding without your personal identity disclosed.
4. Investors apply to fund your loan through acquiring interests in the SocietyOne P2P Lending Trust.
5. If you are happy with the interest rate, once fully funded and you agree, your loan becomes final and funds are transferred.
6. Loan repayment is through an easy direct debit payment schedule.

Rates from as low as 11.05% p.a.* 
Comparison Rate 12.77% p.a.* Learn more

                                               Start a SocietyOne Personal Loan Application


1. SocietyOne verifies worthy borrowers
2. SocietyOne posts credit-worthy borrower's listings on the SocietyOne online platform.
3. Verified Investors assess loan applications on the SocietyOne online platform.
4. Investors fund their accounts by transferring funds to SocietyOne.
5. Investors apply for a Loan Interest in respect of a particular loan.
6. If their application is accepted Investors receive regular payments from SocietyOne based on the loan repayments that pay back their capital and earn interest net of fees and any defaults.

Earn solid returns** Learn more 

                                     SocietyOne Investor Proposition Interest

*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...