Our investors are ready to back you for up to $50,000. Apply now

We’ve got a
rate just for you.

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

Australian Retail Banking Awards 2016 Best Digital Offering Of The Year

Australian Retail Banking Awards
2016 Best Digital Offering Of The Year

Get your personalised rate in less than 3 minutes.

Or retrieve an existing rate quote - Won't ding your credit score!

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Since 2013 we’ve connected borrowers and investors for loans totalling over $194 million

More about us

*As at 31/10/2016 **Survey conducted

Why SocietyOne is the right choice

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.

Borrowing with
SocietyOne is easy

Get Started
  • 1

    Get an obligation-free quote

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

  • 2

    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.

  • 3

    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.

  • 4

    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.

Leah's story
Jonny's story
Clark's story

"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 VedaScore.

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.

Our Rates

SocietyOne's unsecured personal loans range from $5,000 to $50,000 with loan terms of 2, 3 or 5 years.

SocietyOne Loan GradesInterest Rate % p.a.
2-3 years
Interest Rate % p.a.
5 years
Establishment FeeMonthly FeeComparison Rate % p.a.
2-3 years 2
Comparison Rate % p.a.
5 years 3
Tier 1 (AA) 7.75% - 8.99%8.60% - 9.84%3.00%$09.77% - 11.02%9.87% - 11.12%
Tier 2 (A) 8.99% - 9.49%9.94% - 10.44%4.00%$011.69% - 12.20%11.65% - 12.15%
Tier 3 (B) 9.49% - 10.99%10.54% - 12.04%4.50%$012.53% - 14.06%12.47% - 14.00%
Tier 4 (C) 10.99% - 13.99%12.14% - 15.14%4.75%$014.23% - 17.29%14.21% - 17.27%
Tier 5 (D) 13.99% - 25.49%15.24% - 26.74%5.00%$017.46% - 29.21%17.48% - 29.26%

Example based on a SocietyOneAA grade $10,000 unsecured personal loan for a 3 year term.

Comparison Rate*


Monthly Repayment


Total Repayments

36 x $331.90 = $11,947.30

*The comparison rate is based on a SocietyOne Tier 1 (AA) unsecured personal loan of $10,000 over 3 years. Tier 1 (AA) borrowers will receive an interest rate between 7.75% - 8.99% (comparison rate 9.77% - 11.02% p.a.) depending on investor demand. WARNING: These comparison rates are true only for the example 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.