Fast, Simple, Low Rate Personal Loans

Get a rate from as low as 7.5% p.a
(9.51% p.a. comparison rate)*

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Getting a rate won't affect your credit score.
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Low Rates

From 7.5% p.a (9.51% p.a. comparison rate*)

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No Ongoing Fees

No monthly or early repayment fees

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Credit Score Safe

Getting a quote won't affect your credit score

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Super Quick

Get a personalised rate in as little as 1 minute

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See How We Compare to the Big Banks

  • SocietyOne


  • ANZ


  • Westpac


  • CBA


  • NAB


Rates as of 16 March 2020
Comparison excludes short term bank promotional rates.

Applying is Easy


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In as little as 1 minute we’ll give you a rate based on your credit history


Apply online

Most people finish their application within 5 minutes


Get your funds

Once approved, we’ll have the funds in your account within
a few days!

Find Out Your Rate Now

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About SocietyOne

We understand, Aussies like you are over the big banks and their big interest rates. You're looking for a simpler, faster and fairer deal on a personal loan.

As Australia’s first and leading marketplace lender, our 100% online lending platform means we can give you all of this and more… think great personalised rates that reward your good credit, no monthly or early repayment fees and real people looking after you - so you can start your renovation, book your holiday or chop up your credit cards in as little as 24hours.

Borrowing has never been sweeter!

The Fine Print

Tier 1 borrowers will receive an interest rate between 7.50% - 10.89% p.a. (comparison rate 9.51% - 12.71%p.a.).  Tier 2 borrowers will receive an interest rate between 10.49% -12.69% p.a. (comparison rate 13.38% - 14.55% p.a.).  Tier 3 borrowers will receive an interest rate between 12.29% - 15.29% p.a. (comparison rate 15.38% -17.31% p.a.).  Tier 4 borrowers will receive an interest rate between14.99% - 20.49% p.a. (comparison rate 18.48% - 22.38% p.a.).

Minimum period for repayment is 2 years and maximum period for repayment is 5 years. 3 years loans are also available and loans may be repaid early without any fees or penalties. Maximum annual percentage rate is 20.49% p.a. Maximum Comparison rate is 22.34% p.a.

*Rates are based on an unsecured fixed rate personal loan of $10,000 over 3 years.  SocietyOne rate is the lowest available rate for a borrower with excellent credit (Tier 1 borrower).  WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.

1. The establishment fee is added to your loan, based on your SocietyOne loan grade and the loan amount.
2. Based on a $10,000 unsecured personal loan for a 3 year term.
3. Based on a $30,000 unsecured personal loan for a 5 year term.

Canstar 5-star Rating was awarded on 7th of November 2019 for the Unsecured Loan – Excellent Credit Product for the Unsecured Personal Loan profile.