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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
Interest Rate % p.a. (2-3 years)
7.50% – 9.99%
Interest Rate % p.a. (5 years)
8.10% – 10.59%
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
9.36% – 12.31%
Tier 2
Interest Rate % p.a. (2-3 years)
10.49% – 11.49%
Interest Rate % p.a. (5 years)
11.39% – 12.39%
Establishment Fee
4.25%
Comparison Rate % p.a. (2-3 years)²
13.38% – 14.40%
Comparison Rate % p.a. (5 years)³
13.23% – 14.25%
Tier 3
Interest Rate % p.a. (2-3 years)
11.99% – 13.79%
Interest Rate % p.a. (5 years)
13.19% – 14.99%
Establishment Fee
4.50%
Comparison Rate % p.a. (2-3 years)²
15.08% – 16.91%
Comparison Rate % p.a. (5 years)³
15.17% – 17.00%
Tier 4
Interest Rate % p.a. (2-3 years)
14.99% – 18.19%
Interest Rate % p.a. (5 years)
16.79% – 19.99%
Establishment Fee
5.00%
Comparison Rate % p.a. (2-3 years)²
18.48% – 21.75%
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)

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% (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.

Due to the Easter long weekend, our customer team will be taking a short break and will return Tuesday 9am AEST. We wish all of our customers a safe and happy break.