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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% - 9.20%8.60% - 10.05%3.00%9.77% - 11.23%9.87% - 11.33%
Tier 2 (A)10.30% - 10.90%11.25% - 11.85%4.00%13.02% - 13.63%12.98% - 13.59%
Tier 3 (B)10.90% - 12.00%11.95% - 13.05%4.50%13.97% - 15.09%13.91% - 15.03%
Tier 4 (C)12.00% - 14.80%13.15% - 15.95%5.00%15.43% - 18.29%15.35% - 18.21%
Tier 5 (D)14.80% - 24.25%16.05% - 25.50%6.00%18.97% - 28.67%18.75% - 28.48%

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*

9.90%

Monthly Repayment

$331.90

Total Repayments

36 x $331.90 = $11,947.30

*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% - 9.20% (comparison rate 9.77% - 11.23% 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.