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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
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 (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*

9.92%

Monthly Repayment

$322.29

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.