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Great rates for the term of your loan.

All SocietyOne loans are fixed rate, so your monthly repayments never increase.
View Our Rates
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Check out our great rates

I have an Excellent credit score
What is a credit score?
Loan Term
2 - 3 year
5 year
Interest rate % p.a.
from 5.95%
from 5.95%
Comparison rate % p.a.
from 5.95%
from 5.95%
from $0
from $0
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?
Loan Term
2 - 3 year
5 year
Interest rate % p.a.
from 9.99%
from 11.19%
Comparison rate % p.a.
from 14.01%
from 12.05%
Establishment fee *
$595
$595
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?
Loan Term
2 - 3 year
5 year
Interest rate % p.a.
from 11.99%
from 13.49%
Comparison rate % p.a.
from 16.06%
from 14.37%
Establishment fee *
$595
$595
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?
Loan Term
2 - 3 year
5 year
Interest rate % p.a.
from 14.99%
from 17.49%
Comparison rate % p.a.
from 19.13%
from 18.41%
Establishment fee *
$595
$595
Monthly fee
None!
None!
Early repayment fee
Zilch!
Zilch!
Other hidden fees
Zero!
Zero!
Get My Rate

Easily calculate your rate

*Please enter an amount between $5,000 and $50,000
Example Interest rate: {{ rateRanges.interest.low | currency }}% p.a. Comparison rate: {{ rateRanges.comparison.low | currency }}% p.a.*

Your estimated repayments

$

Total repayment amount: ${{ loanTotal | currency(0) }}, includes interest and fees.

How we compare with personal loans

See how our comparison and interest rates measure up to Commonwealth Bank, Westpac, ANZ and NAB.
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Get My Rate
Rates as of 03/05/2021. Excludes short term bank promotions.
View the fine print

How are interest rates set?

Graded Tier System

When you apply for a loan through SocietyOne, your loan offer is assigned a grade between Tier 1 and Tier 4 with a corresponding interest rate range (see table above) and the fee for establishing your loan.
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Contributing Factors

The loan grade is based on a variety of factors, such as your credit history, credit score, employment status, cash flow and loan amount requested. The better the SocietyOne loan grade, the lower the interest rate and fee.

Approved & Matched

Once your application is approved, your loan will be placed in our marketplace and matched with our investors who provide the funding.

What’s a comparison rate?

Comparison rates help you work out the true cost of your loan by factoring in fees and charges. They combine the interest rate and all the known fees and charges that you’ll need to pay during the life of a loan into a single percentage figure.
A woman comparing loans on a laptop
They’re calculated on a number of factors including the loan amount, term, frequency of repayment, interest rate and fees and charges. You can compare the comparison rate for a loan to the advertised rate for that loan to see if there are any “hidden” fees or charges.
You can compare comparison rates for different loans to see which loan will cost more. Bear in mind - the comparison rate doesn’t include fees and charges that are based on some future event that might not happen, e.g. if you vary the loan or fail to pay.

Default Fees

Default fees apply if your repayment is late or we need to take action to recover the loan.
Fee
Amount
Payable
Late or overdue Payment Fee
$35 per late payment
If SocietyOne is unable to process a direct debit from your account and the payment remains outstanding, this fee is payable on each of 5, 14, 21 and 30 days after the payment date.
Direct Debit Dishonour Fee
$15 per dishonour
Payable if SocietyOne is unable to process a direct debit from your account.