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Borrow from $5,000 to $50,000 at a low, fixed rate

  • Rates from as low as 7.50% p.a. (9.51% comparison rate* )
  • No monthly fees, hidden fees or early repayment fees
  • Check your rate with no impact to your credit score
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4.5 stars

Averaging 4.7 / 5 stars from 1002+ reviews.

450 million in loans since 2013!

Here’s how much you could save by paying off $20,000 in credit card balances with a SocietyOne loan:

If you made the same monthly payments on a personal loan versus credit cards:

My Great Rate graph illustration

How did we get these numbers?

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Won't impact your credit score.

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
Interest Rate
% p.a. (2-3 years)
Interest Rate
% p.a. (5 years)
Comparison Rate
% p.a. (2-3 years)2
Comparison Rate
% p.a. (5 years)3
Tier 17.50% - 9.99%8.10% - 10.59%3.00% - 4.00%9.51% - 12.71%9.36% - 12.31%
Tier 210.49% - 11.49%11.39% - 12.39%4.25%13.38% - 14.40%13.23% - 14.25%
Tier 311.99% - 13.79%13.19% - 14.99%4.50%15.08% - 16.91%15.17% - 17.00%
Tier 414.99% - 18.19%16.79% - 19.99%5.00%18.48% - 21.75%19.07% - 22.34%

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*


Monthly Repayment


Total Repayments

36 x $320.39 = $11,534.20

*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. Comparison does not take into account short term bank promotional rates. 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. Establishment fee applies.

How we calculated potential savings

SocietyOne rates and fees are based on an unsecured 3 year, $20,000 loan to a Tier 1 borrower with an annual interest rate of 7.50% p.a. and a comparison rate of 9.51% p.a. Tier 1 borrowers receive an interest rate between 7.50% p.a. and 9.99% p.a. (9.51% to 12.71% p.a. comparison rate). Actual rates and fees depend on the applicant’s credit record and higher Tier borrowers will receive a higher interest rate. Annual interest rate for the major bank credit card with is 19.74% p.a with an annual fee of $29. The savings calculation assumes that for both the credit card and the SocietyOne loan, a monthly payment of $649.05 is made by the due date each month, with no other transactions.

The comparison rate is based on a $10,000 loan over 3 years. WARNING: The comparison rate is true only for the examples given and may not include all fees and charges. Different credit cards, terms, fees or other loan amounts might result in a different comparison rate.