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***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.
4.7/5 on Google reviews
4.8/5 on ProductReview.com.au
“Pretty happy with the service, easy to talk to someone and very happy with my loan. Save a fair bit by consolidating my loans.”
Ron
“Company is efficient and quick with regard to their service. Will definitely refer to family and friends. Don’t make the clients wait on the phone unlike other companies. More power.”
Josephine
“Customer service was excellent. I received a call almost straight away when I lodged my application. The process was very simple and fast! I would definitely recommend Society One to anyone looking for a loan that is very competitive.”
Frances T
“Customer service has been fantastic very efficient. The loan rate is reasonable & has helped at an important time.The paperwork is so simple you can do it from your phone.”
BDH
“I found it was a very easy way to apply for a loan to pay off my credit card and personal loan I had with amazing interest rates I wish I had found them years ago I would have saved thousands not just a few hundred.”
BNT
“Best customer service with a very great rate. I found the whole process very easy, and was pleasantly surprised with the interest rate I was offered. Overall I would not hesitate in recommending society one.”
Trev
4.7/5 on Google reviews
4.8/5 on ProductReview.com.au
4.7/5 on Google reviews
4.8/5 on ProductReview.com.au
4.7/5 on Google reviews
4.8/5 on ProductReview.com.au
“Pretty happy with the service, easy to talk to someone and very happy with my loan. Save a fair bit by consolidating my loans.”
Ron
“Company is efficient and quick with regard to their service. Will definitely refer to family and friends. Don’t make the clients wait on the phone unlike other companies. More power.”
Josephine
“Customer service was excellent. I received a call almost straight away when I lodged my application. The process was very simple and fast! I would definitely recommend Society One to anyone looking for a loan that is very competitive.”
Frances T
“Customer service has been fantastic very efficient. The loan rate is reasonable & has helped at an important time.The paperwork is so simple you can do it from your phone.”
BDH
“I found it was a very easy way to apply for a loan to pay off my credit card and personal loan I had with amazing interest rates I wish I had found them years ago I would have saved thousands not just a few hundred.”
BNT
“Best customer service with a very great rate. I found the whole process very easy, and was pleasantly surprised with the interest rate I was offered. Overall I would not hesitate in recommending society one.”
Trev
“The process of applying for the loan was quick and easy. I'm not very tech Savoy but I found all the banking links easy to follow and understand. The loan was then approved faster than I expected, very happy”
GJS
“Applied Wednesday got approved and funds on Friday same week! Was sent emails all through the process to inform of progress. Awesome interest rate, way better than the big banks.”
Verity
“Staff were very helpful, courteous and prompt.
All extra costs were what I expected - so nothing additional - very informative.
After some investigation of other lenders - Society One gave me the best interest rate”
VOB
“The easiest loan I’ve ever had!! The best customer service, very quick reply!! Always happy to help!! I know where I’ll be getting my next loan from if needed! Thank you!”
nikz
“Service was amazing throughout process and in regards to cost they were upfront so you know what you are paying before you give concent and i was satisfied with offer.”
Rjay
“I emailed a query & in no time Society One replied! Extremely efficient and I was emailing a real person, not a robot. This company is so professional, & it was a pleasure to deal with them.”
Jay
“The service I have received from Society One has been excellent. They are always friendly, helpful and prompt in actioning my requests. I have no hesitation in recommending them to anyone.”
Andrea
“Super quick and easy to apply. I was contacted quickly and the process was effortless and seamless. Customer service was second to none. I will definately recomend Society One to anyone.”
Lisa M
“My whole experience from start to finish was seamless and I received fantastic customer service everytime i needed to call to ask a question. I highly recommend this company to anyone looking to simplify their finances.”
TracyH
Example based on a SocietyOne Tier 1 loan for $10,000 with a 3 year term.
Comparison Rate: 9.51%* + Monthly Repayment: $320.39 = Total Repayments: $11,534.20 (36 x $320.39)
Find out what your repayments could be with our repayment calculator.
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.
*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% p.a. (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest rates. 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. Establishment fee applies.
See how much you could save with our repayment calculator
You can choose a loan term of 2, 3 and 5 years with repayments made fortnightly or monthly.
Example based on a SocietyOne Tier 1 loan for $10,000 with a 3 year term.
Interest Rate: 7.5% - Comparison Rate: 9.51%* + Establishment Fee: 4%
+ Monthly Repayment : $320.39 = Total Loan Cost (including fees)
: $11,534.20 (36 x $320.39)
Find out what your repayments could be with our repayment calculator.
Example based on a SocietyOne Tier 1 loan for $10,000 with a 3 year term.
Comparison Rate: 9.51%* + Monthly Repayment: $320.39 = Total Repayments: $11,534.20 (36 x $320.39)
1. The establishment fee is added to your loan; the amount is 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.
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. Establishment fee applies.
*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% p.a. (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest rates. 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. Establishment fee applies.
The better your credit history, the lower your rate!
7.5% p.a.
9.51% p.a.
Borrow
$5,000 - $50,000
Choose between
2, 3 or 5 year terms
No ongoing
monthly fees!
No early
repayment fees
Matching investors who are looking to get great returns, with good quality borrowers looking to get a better deal on a personal loan than they'd get from the big banks.
9.51%
$320.39
36 x $320.39 = $11,534.20
*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest rates. Comparison does not take into account short term bank promotional rates. 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. Establishment fee applies.
You are eligible for a SocietyOne personal loan if you:
Repayments can be made in either fortnightly or monthly instalments, by direct debit.
If you wish to make extra payments, please contact our customer service team on customer.service@societyone.com.au. There are no fees or penalties for making extra payments or paying off your loan early.
If you are experiencing financial hardship and are having difficulty repaying your loan please contact customer service on customer.service@societyone.com.au.
Yes, absolutely. SocietyOne encourages responsible borrowing and provides repayment flexibility. You can either pay out your loan early or make lump sum payments during the life of your loan with no extra fees or penalty. If you wish to pay off your loan completely then please contact us at customer.service@societyone.com.au so that we can give you an accurate settlement quote.
We charge a one-off establishment fee. This is included in your total loan amount. There are no monthly fees or early repayment fees. So you have the security of a fixed rate loan, with the flexibility to pay it off early.
'Payday' lenders are generally lenders of last resort. In return for access to short-term credit (about 30 days) and loans that are typically of small nominal value, payday borrowers pay extremely high fees and interest rates.
SocietyOne is not a payday lender. We look for creditworthy, quality borrowers who typically have established relationships with major banks. Our loans range up to 60 months, from $5,000 to $50,000, which does not fit with the definition of a payday loan. We think quality borrowers with good track records are not getting the best rate they deserve.
SocietyOne offers unsecured loans. That means that you don’t need to provide a deposit or security against the loan in case of default.
Secured loans require you to deposit something of value to the lending institution and this becomes the collateral or security until the loan has been repaid. Examples of collateral include your home, a car, investments or other assets that can be sold by the bank if the loan is unpaid. If the sale doesn't cover the full amount of the loan, you will have lost your asset and still owe money! Secured loans are often lower as they provide less risk to the lender.
At SocietyOne we can offer lower unsecured rates for customers with good credit as this also lowers risk for our investors.
SocietyOne is not a bank. Marketplace lending provides a different and interesting alternative for creditworthy borrowers and fixed income investors to get a better deal. Part of the attraction is that it can provide better rates and returns without the infrastructure cost and complexity that comes from being a traditional bank or deposit-taking institution.
Am I eligible? Find out now
Already started? Pick up where you left off.
Thank you for your interest in SocietyOne AgriLending
Level 19, 45 Clarence Street, Sydney 2000
Email: livestock.lending@societyone.com.au
Tel: 02 8397 9730
2020
March
Launched our credit score service, enabling customers to understand, track and improve their credit score
July
Passed $900 million in originations
August
A finalist in the 2020 AFR Top 100 Innovative Companies for our response to COVID-19 hardship (winners announced October 2020)
2019
March
We pass $600 million in total originations and launch whole loan funding for large institutional investors. SocietyOne took home two awards, receiving the big award of the night Fintech Business Excellence Award (Company) and Lending Innovator of the Year
April
We launch a unit trust enabling sophisticated investors to achieve smooth returns
May
Place 7th in the AFR Most Innovative Companies award for Banking, Superannuation & Financial Services for our broker channel process and experience
August
For our 7th birthday, we celebrate passing $700 million in originations and helping over 30,000 customers
October
Awarded Product Review award for personal loans and a Canstar 5 star award
December
Capital raise of $15 million to support a $100 million funding warehouse and future growth
2018
January
We raise $7.75 million in capital and pass $400 million in originations
May
Placed 37th in the AFR Most Innovative Companies award for improvements to our customer application experience
July
We launch our own credit scorecard, significantly improving our ability to assess borrower applications
September
Total originations passed $500 million
2017
May
We add some trophies to the cabinet winning Innovative Retail Banking Product of the Year at the Australian Retail Banking Awards and Excellence in P2P Lending at the inaugural FinTech Australia awards
October
Current loan book passes $200 million, with $350 million in total lending since inception and having helped more than 13,000 customers
2016
April
We break through the $100 million barrier of loans funded, a record for an Australian marketplace lender
May
We raise a further $25 million in capital from existing and new shareholders, making a total of $55 million since early 2014
December
Total originations reach $200 million since our beginning, another record for lending
2015
February
A great start as we pass $20 million in funded loans
July
We partner with Veda (now Equifax), to promote getcreditscore.com.au and offer credit scores for free
December
KPMG and H2 Ventures ‘Fintech 100 report’ names us as the 37th top financial technology company in the world
2014
February
Westpac Group's Reinventure Fund invests $5 million as part of our Series A capital raising and becomes a major shareholder
March
Lending doubles again, reaching $4 million
December
We welcome Australian Capital Equity, Consolidated Press Holdings and News Corp Australia as shareholders after our successful Series B $20 million capital raising
2013
January
Our loan book reaches $1 million
July
Our loan book doubles! We’re now at $2 million
2012
August
We open for business as Australia's first marketplace lender
November
We’re voted "Best of Show" at Finovate Asia 2012 for our application technology
Am I eligible? Find out now
Already started? Pick up where you left off.
Whether you want to consolidate debt, buy a car or go on a holiday, SocietyOne can help make it happen.
Comparison rates from 6.99% p.a*
No monthly or early repayment fees
Getting a quote won't affect your credit score
Get a personalised rate in as little as 1 minute
Rates as of 12 August 2020
Comparison excludes short term bank promotional rates.
Rates as of 12 August 2020
Comparison excludes short term bank promotional rates.
In as little as 1 minute we’ll give you a rate based on your credit history
Most people finish their application within 5 minutes
Once approved, we’ll have the funds in your account within
a few days!
Join our investors enjoying access to multiple asset classes and great, stable returns
Find out moreLooking for a low rate loan with no ongoing fees? See how our comparison and interest rates measure up to Commonwealth Bank, Westpac, ANZ and NAB.
Won't impact your credit score
Have this handy to make the application faster
Have this handy to make the application faster
