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image + text

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Features - image and text

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Personal loan calculator

We only offer loans between $5k and $50k!

Interest Rate From

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Comparison Rate From

{{ rateRanges.comparison.low | currency }}% ? Comparison rates for borrowers with the credit worthiness you have selected range from {{ rateRanges.comparison.low }}% p.a. to {{ rateRanges.comparison.high }}% p.a. This rate reflects the total cost of your loan including interest charges and other fees and is used to help you identify the true cost of your loan.

{{ model.frequency.name }} Repayments From

${{repayments | currency(0)}}

Monthly Fee

$0

Repayment Frequency

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Total Repayments

${{loanTotal | currency(0)}}

Including Interest and fees of

${{(loanTotal - model.amount) | currency(0)}} ? This includes an establishment fee of ${{currentFeeAmount}}. This is added to the total amount of your loan

***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.

Testimonials

Don't just take our word for it

“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

Don't Just Take Our Word For it

"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."
Trev
“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

Personal Loans page testimonials

Don't just take our word for it

“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

Rates

Check out our rates

SocietyOne Loan Grades
Interest Rate % p.a. (2-3 years)
Interest Rate % p.a. (5 years)
Establishment Fee
Comparison Rate % p.a. (2-3 years)²
Comparison Rate % p.a. (5 years)³
Tier 1
Interest Rate % p.a. (2-3 years)
7.50% – 9.99%
Interest Rate % p.a. (5 years)
8.40% – 10.89%
Establishment Fee
3.00% – 4.00%
Comparison Rate % p.a. (2-3 years)²
9.51% – 12.71%
Comparison Rate % p.a. (5 years)³
10.12% – 12.61%
Tier 2
Interest Rate % p.a. (2-3 years)
10.49% – 11.49%
Interest Rate % p.a. (5 years)
11.69% – 12.69%
Establishment Fee
4.25%
Comparison Rate % p.a. (2-3 years)²
13.38% – 14.40%
Comparison Rate % p.a. (5 years)³
13.53% – 14.55%
Tier 3
Interest Rate % p.a. (2-3 years)
12.29% – 13.79%
Interest Rate % p.a. (5 years)
13.79% – 15.29%
Establishment Fee
4.50%
Comparison Rate % p.a. (2-3 years)²
15.38% – 16.91%
Comparison Rate % p.a. (5 years)³
15.78% – 17.31%
Tier 4
Interest Rate % p.a. (2-3 years)
14.99% – 17.99%
Interest Rate % p.a. (5 years)
17.49% – 20.49%
Establishment Fee
5.00%
Comparison Rate % p.a. (2-3 years)²
18.48% – 21.54%
Comparison Rate % p.a. (5 years)³
19.78% – 22.38%

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

Check out our rates

You can choose a loan term of 2, 3 and 5 years with repayments made fortnightly or monthly.

SocietyOne Loan Grades
Interest Rate % p.a. (2-3 years)
Interest Rate % p.a. (5 years)
Establishment Fee¹
Comparison Rate % p.a. (2-3 years)²
Comparison Rate % p.a. (5 years)³
Tier 1
Interest Rate % p.a. (2-3 years)
7.50% – 9.99%
Interest Rate % p.a. (5 years)
8.40% – 10.89%
Establishment Fee¹
3.00% – 4.00%
Comparison Rate % p.a. (2-3 years)²
9.51% – 12.71%
Comparison Rate % p.a. (5 years)³
10.12% – 12.61%
Tier 2
Interest Rate % p.a. (2-3 years)
10.49% – 11.49%
Interest Rate % p.a. (5 years)
11.69% – 12.69%
Establishment Fee¹
4.25%
Comparison Rate % p.a. (2-3 years)²
13.38% – 14.40%
Comparison Rate % p.a. (5 years)³
13.53% – 14.55%
Tier 3
Interest Rate % p.a. (2-3 years)
12.29% – 13.79%
Interest Rate % p.a. (5 years)
13.79% – 15.29%
Establishment Fee¹
4.50%
Comparison Rate % p.a. (2-3 years)²
15.38% – 16.91%
Comparison Rate % p.a. (5 years)³
15.78% – 17.31%
Tier 4
Interest Rate % p.a. (2-3 years)
14.99% – 17.99%
Interest Rate % p.a. (5 years)
17.49% – 20.49%
Establishment Fee¹
5.00%
Comparison Rate % p.a. (2-3 years)²
18.48% – 21.54%
Comparison Rate % p.a. (5 years)³
19.07% – 22.34%

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.

Rates table - Performance pages

Check out our rates

SocietyOne Loan Grades
Interest Rate % p.a. (2-3 years)
Interest Rate % p.a. (5 years)
Establishment Fee¹
Comparison Rate % p.a. (2-3 years)²
Comparison Rate % p.a. (5 years)³
Tier 1
Interest Rate % p.a. (2-3 years)
7.50% – 9.99%
Interest Rate % p.a. (5 years)
8.40% – 10.89%
Establishment Fee
3.00% – 4.00%
Comparison Rate % p.a. (2-3 years)²
9.51% – 12.71%
Comparison Rate % p.a. (5 years)³
10.12% – 12.61%
Tier 2
Interest Rate % p.a. (2-3 years)
10.49% – 11.49%
Interest Rate % p.a. (5 years)
11.69% – 12.69%
Establishment Fee
4.25%
Comparison Rate % p.a. (2-3 years)²
13.38% – 14.40%
Comparison Rate % p.a. (5 years)³
13.53% – 14.55%
Tier 3
Interest Rate % p.a. (2-3 years)
12.29% – 13.79%
Interest Rate % p.a. (5 years)
13.79% – 15.29%
Establishment Fee
4.50%
Comparison Rate % p.a. (2-3 years)²
15.38% – 16.91%
Comparison Rate % p.a. (5 years)³
15.78% – 17.31%
Tier 4
Interest Rate % p.a. (2-3 years)
14.99% – 17.99%
Interest Rate % p.a. (5 years)
17.49% – 20.49%
Establishment Fee
5.00%
Comparison Rate % p.a. (2-3 years)²
18.48% – 21.54%
Comparison Rate % p.a. (5 years)³
19.07% – 22.34%

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.

Headline Rates

Personal loans that reward good credit

The better your credit history, the lower your rate!

Fixed rates from

7.5% p.a.

Comparison rates from

9.51% p.a.

Personal Loans Intro

Our Personal Loans

Borrow
$5,000 - $50,000

Choose between
2, 3 or 5 year terms

No ongoing
monthly fees!

No early
repayment fees

SocietyOne Intro

Australia's leading marketplace lender

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.

Looking to borrow?
Get Quote
Looking to invest?
Find out more

Example Rates

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

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.

FAQ

Loan type page FAQ

Frequently Asked Questions

Are there any other fees and charges?

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.

How do I make repayments?

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.

Can I repay my loan early? Can I make extra payments?

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.

Performance page FAQ

Frequently Asked Questions

Am I eligible to get a loan?

You are eligible for a SocietyOne personal loan if you:

  • Be at least 21 yrs old
  • Earn more than $30,000 p.a. from employment (Centrelink may be used as supplementary income)
  • Be an Australian citizen or permanent resident
  • Have good credit history
  • Be using the loan mainly for personal use
How do I make repayments?

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.

Can I repay my loan early? Can I make extra repayments?

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.

Are there any other fees and charges

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.

Personal Loan Category FAQ

Frequently Asked Questions

How is a personal loan different from a payday loan?

'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.

What’s the difference between a secured and an unsecured loan?

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.

How is marketplace lending different from a bank loan?

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.

Get Quote/Apply Now

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Contact Us

Contact us

Thank you for your interest in SocietyOne AgriLending

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Level 19, 45 Clarence Street, Sydney 2000
Email: livestock.lending@societyone.com.au
Tel: 02 8397 9730

Timeline

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

2013

January

Our loan book reaches $1 million

July

Our loan book doubles! We’re now at $2 million

October

We launch our pioneering secured livestock loans in partnership with Ray White Rural

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

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

2016

March

Jason Yetton is appointed CEO, taking over from co-founder Matt Symons

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

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

August

We celebrate our fifth birthday since we started operating in 2012, having helped more than 13,000 customers with $325 million provided in loans by our investor funders.

October

A triple milestone for our third quarter of this year with $350 million in total lending since inception, a current loan book of $200 million and 2017 already beating 2016’s total for loans written.

2018

January

We raise $7.75 million in capital and pass $400 million in originations

June

We launch our new broker channel

July

We launch our own credit scorecard, improving our assessment of applications

September

We launch our first integrated marketing campaign ‘When it Happens’ and reached a record $500 million in originations

October

Our new and improved application form goes live, making applications faster and easier for customers.

2019

March

We reach $600 million in originations and launch whole loan funding for large 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 for smooth investor returns.

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Low rate personal loans

Save, with rates from 7.5% p.a.
(comparison rate 9.51% p.a.*)

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Am I eligible? Find out now

Already started? Pick up where you left off.

Get your rate today!

Low rate personal loans from

7.5%p.a.

interest rate

|

9.51% p.a.*

comparison rate
Get Quote

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A loan for every purpose

Whether you want to consolidate debt, buy a car or go on a holiday, SocietyOne can help make it happen.

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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

Comparison Rates

See how we compare to the big banks

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    rate

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Rates as of 28 August 2019

  • SocietyOne

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  • ANZ

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  • Westpac

    rate

  • CBA

    rate

  • NAB

    rate

Rates as of 28 August 2019

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Steps

Applying For a Loan is Easy!

1

Get Your Rate

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

3

Get Your Funds

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

2

Apply Online

Most people finish their application within 5 minutes

Applying is easy

1

Get your rate

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

3

Get your funds

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

2

Apply online

Most people finish their application within 5 minutes

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Invest

Join our investors enjoying access to multiple asset classes and great, stable returns

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Find Out Your Rate Now

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Get ready to apply

Have this handy to make the application faster

  • Check if you're eligible
    Find out now
  • Your drivers license
    We need this to give you a quote
  • Your online banking login
    For quick access to your financials

Get ready to apply

Have this handy to make the application faster

  • Check if you're eligible
    Find out now
  • Your drivers license
    We need this to give you a quote
  • Your online banking login
    For quick access to your financials

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