X

To qualify for a SocietyOne loan you must:

paradise-beach-palm-treesparadise-beach-palm-trees

Great Low Rate Personal Loans!

Get My Rate!
Getting a rate won't affect your credit score.
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.

paradise-beach-palm-trees

Great Low Rate Personal Loans!

Up to 4% lower than the big banks

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.

Super Quick

Get a personalised rate in as little as 1 minute

Credit Score Safe

Getting a quote won't affect your credit score

No Ongoing Fees

No monthly or early
repayment fees

lady-smiling-with-bushes-behind-her

About SocietyOne

We understand, Aussies like you are over the big banks and their big interest rates. You're looking for a simpler, faster and fairer deal on a personal loan.

As Australia’s first and leading marketplace lender, our 100% online lending platform means we can give you all of this and more… think great personalised rates that reward your good credit, no monthly or early repayment fees and real people looking after you - so you can start your renovation, book your holiday or chop up your credit cards in as little as 24hours.

Borrowing has never been sweeter!

View Terms and Conditions

About SocietyOne

We understand, Aussies like you are over the big banks and their big interest rates. You're looking for a simpler, faster and fairer deal on a personal loan.

As Australia’s first and leading marketplace lender, our 100% online lending platform means we can give you all of this and more… think great personalised rates that reward your good credit, no monthly or early repayment fees and real people looking after you - so you can start your renovation, book your holiday or chop up your credit cards in as little as 24hours.

Borrowing has never been sweeter!

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.

Check Out Our Great Rates

I have an excellent credit score - What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 7.50%
from 8.40%
Comparison rate % p.a
from 9.51%
2
from 10.12%
3
Establishment fee
1
from 3.00%
from 3.00%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have a very good credit score - What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 10.49%
from 11.69%
Comparison rate % p.a
from 13.38%
2
from 13.53%
3
Establishment fee
1
4.25%
4.25%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have a good credit score - What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 12.29%
from 13.79%
Comparison rate % p.a
from 15.38%
2
from 15.78%
3
Establishment fee
1
4.50%
4.50%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have an average credit score - What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 14.99%
from 17.49%
Comparison rate % p.a
from 18.48%
2
from 19.78%
3
Establishment fee
1
5.00%
5.00%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero

Check Out Our Great Rates

I have an excellent credit score
What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 7.50%
from 8.40%
Comparison rate % p.a
from 9.51%
2
from 10.12%
3
Establishment fee
1
from 3.00%
from 3.00%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have a very good credit score
What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 10.49%
from 11.69%
Comparison rate % p.a
from 13.38%
2
from 13.53%
3
Establishment fee
1
4.25%
4.25%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have a good credit score
What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 12.29%
from 13.79%
Comparison rate % p.a
from 15.38%
2
from 15.78%
3
Establishment fee
1
4.50%
4.50%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have an average credit score
What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 14.99%
from 17.49%
Comparison rate % p.a
from 18.48%
2
from 19.78%
3
Establishment fee
1
5.00%
5.00%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero

Applying is easy

1
Get your rate
In as little as 1 minute we'll give you a rate based on your credit history
2
Apply online
Most people finish their application within 5 minutes
3
Get your funds
Once approved, you'll have the funds within 24 hours
1
Get your rate
In as little as 1 minute we'll give you a rate based on your credit history
2
Apply online
Most people finish their application within 5 minutes
3
Get your funds
Once approved, we’ll have the funds in your account within a few days!

Do I Qualify For a Loan?

  • I am at least 21 years old
  • Earning more than $30,000 p.a from employment (Centrelink may be used as supplementary income)
  • An Australian citizen or permanent resident
  • I have a good credit history
  • The loan is mainly for personal use

Do I Qualify For a Loan?

  • I am at least 21 years old
  • Earning more than $30,000 p.a from employment (Centrelink may be used as supplementary income)
  • An Australian citizen or permanent resident
  • I have a good credit history
  • The loan is mainly for personal use
View Terms & Conditions

*Interest rate comparison is based on the comparison rates of SocietyOne and the lowest of the 4 major banks for a 3 year, $10,000 fixed rate loan to a borrower with excellent credit who meets our lending criteria. WARNING: The comparison rate is true only for the example 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.