We’ve got a rate just for you.

We provide simple, investor funded personal loans with low rates based on your good credit history.

Get a quote today - won’t impact your credit score
You can also retrieve an existing rate quote

Since 2012 we’ve connected borrowers and investors for loans totalling over $300 million


Loan funding


Customers would
recommend us**

More about us

*As at 30/06/2017 **Survey conducted

How we compare to the Big 4.

Our interest rates are often lower than the major banks. See how much you could save with a SocietyOne personal loan.

Rates as of 18 July 2017

All rates are based on a $10,000 unsecured loan with a 3 year term. The SocietyOne rate is based on a Tier 1 loan. Tier 1 borrowers will receive an interest rate between 7.75% and 10.55% p.a. (comparison rate 9.77% - 13.28% p.a.) depending on investor demand.

Why SocietyOne is the right choice

hand holding iPhone

People powered

We’re a team of people and investors ready to back you and invest in your financial future.

No Surprises

With us you'll always know what you pay. There are no hidden fees or penalties for early repayment.

You call the shots

Choose from a range of personal loan options. We’ll even show you how to save money on your loan.

How it works

Simple, fast and secure: borrowing with us is done in 4 easy steps.


Get an obligation-free quote

Our obligation-free interest rate quote takes the guesswork out of borrowing. You can instantly review the rate and amount you qualify for without dinging your credit score.


Choose the plan that best suits you

We offer personalised rates and repayment plans to help you decide on the spot if the loan is right for you.


You're done!

Congratulations! Your loan will now be listed in the marketplace. You'll receive the funds directly into your bank account usually within 72 hours.


Use the funds

What’s next is totally up to you! Use your money to tackle expensive credit card debt, renovate the house or book your next getaway.

Interested in how investing with SocietyOne works? Find out here.

Our customers love us

“It really is the easiest transaction I think I have ever completed.”


Paul, VIC

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


Lovely, VIC

Common Questions & Answers

What will my interest rate be?

Your interest rate is determined by your SocietyOne loan grade which is based on a variety of factors, such as your loan application history, employment status, loan amount and your credit score.

How much can I borrow?

You can borrow between $5,000 and $50,000 for an unsecured personal loan. Loan terms are 2, 3 or 5 years.

Are there any fees or charges?

A one-off establishment fee is included in your loan. There are no monthly fees or early repayment fees. A $35 fee applies if you vary your loan.

What is marketplace lending?

It's an opportunity for borrowers and investors to bypass the banks and connect directly with each other in a secure, online environment.

Need more answers? - Check out our detailed FAQs

Our rates

We never charge any monthly or early repayment fees. Loans available for a minimum term of 2 years and a maximum term of 5 years.

SocietyOne Loan
Interest Rate
% p.a. (2-3 years)
Interest Rate
% p.a. (5 years)
Comparison Rate
% p.a. (2-3 years)2
Comparison Rate
% p.a. (5 years)3
Tier 1 (AA)7.75% - 10.55%8.60% - 11.40%3.00% - 4.00%9.77% - 13.28%9.87% - 13.13%
Tier 2 (A)10.55% - 11.50%11.50% - 12.45%4.25%13.44% - 14.41%13.34% - 14.31%
Tier 3 (B)11.50% - 13.96%12.55% - 15.01%4.50%14.58% - 17.09%14.52% - 17.02%
Tier 4 (C)13.96% - 18.99%15.11% - 20.14%5.00%17.43% - 22.57%17.35% - 22.49%
Tier 5 (D)18.99% - 26.02%20.24% - 27.27%6.00%23.27% - 30.49%23.06% - 30.30%

The establishment fee is added to your loan; the amount is based on your SocietyOne loan grade and the loan amount. A $35 fee applies if you need to vary your loan. 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.

Example based on a SocietyOne Tier 1 loan for $10,000 with a 3 year term.

Comparison Rate*


Monthly Repayment


Total Repayments

36 x $322.29 = $11,602.40

*The comparison rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. Tier 1 borrowers will receive an interest rate between 7.75% - 10.55% (comparison rate 9.77% - 13.28% p.a.) depending on investor demand. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate.

Get a quote today.

Won't impact your credit score.