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7.5% p.a.


9.51% p.a.*

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Am I eligible? Find out now

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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.

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Low Rates

From 7.50% p.a
(9.51% p.a. comparison rate*)

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No Ongoing Fees

No monthly or early
repayment fees

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100% Online

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or computer... Easy!

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Super Quick

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Don't just take our word for it

“Pretty happy with the service, easy to talk to someone and very happy with my loan. Save a fair bit by consolidating my loans.”


“Company is efficient and quick with regard to their service. Will definitely refer to family and friends. Don’t make the clients wait on the phone unlike other companies. More power.”


“Customer service was excellent. I received a call almost straight away when I lodged my application. The process was very simple and fast! I would definitely recommend Society One to anyone looking for a loan that is very competitive.”

Frances T

“Customer service has been fantastic very efficient. The loan rate is reasonable & has helped at an important time.The paperwork is so simple you can do it from your phone.”


“I found it was a very easy way to apply for a loan to pay off my credit card and personal loan I had with amazing interest rates I wish I had found them years ago I would have saved thousands not just a few hundred.”


“Best customer service with a very great rate. I found the whole process very easy, and was pleasantly surprised with the interest rate I was offered. Overall I would not hesitate in recommending society one.”


Frequently Asked Questions

+Am I eligible to get a loan?

You are eligible for a SocietyOne personal loan if you:

  • Be at least 21 yrs old
  • Earn more than $30,000 p.a. from employment (Centrelink may be used as supplementary income)
  • Be an Australian citizen or permanent resident
  • Have good credit history
  • Be using the loan mainly for personal use
+How do I make repayments?

Repayments can be made in either fortnightly or monthly instalments, by direct debit.

If you wish to make extra payments, please contact our customer service team on 1300 144 221. There are no fees or penalties for making extra payments or paying off your loan early.

If you are experiencing financial hardship and are having difficulty repaying your loan please call customer service on 1300 144 221.

+Can I repay my loan early? Can I make extra repayments?

Yes, absolutely. SocietyOne encourages responsible borrowing and provides repayment flexibility. You can either pay out your loan early or make lump sum payments during the life of your loan with no extra fees or penalty. If you wish to pay off your loan completely then please gives us a call on 1300 144 221 so that we can give you an accurate settlement quote.

+Are there any other fees and charges?

We charge a one-off establishment fee. This is included in your total loan amount. There are no monthly fees or early repayment fees. So you have the security of a fixed rate loan, with the flexibility to pay it off early.


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Your green and renewable energy finance solution.

If you're looking to go green and help save on bills, we can help you make it happen - from high efficiency appliances to solar panels, home batteries or insulation and more.

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Start your project as soon as you're ready.

No paperwork, no cooling off periods. Once you accept a loan offer, the money appears in your account within 2 days of your application being approved, so you can start work right away.

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Suits weekend projects and long-term upgrades.

Flexible loan options let you borrow up to $50,000 for 2, 3, or 5 years, easily funding ongoing, sustainable improvements that could raise the value of your home and help save on bills.

Find out your rate now

Get Quote


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"Responsible lending" is a concept in the finance industry, ensuring lenders only offer you a loan if it suits your needs and circumstances.

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Sometimes the mortgage you got is no longer the best fit for your financial situation. If you’re thinking of refinancing your home loan, here are some factors that could help ease the decision.

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Check out our rates

SocietyOne Loan Grades
Interest Rate % p.a. (2-3 years)
Interest Rate % p.a. (5 years)
Establishment Fee¹
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)
8.40% – 10.89%
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
10.12% – 12.61%
Tier 2
Interest Rate % p.a. (2-3 years)
10.49% – 11.49%
Interest Rate % p.a. (5 years)
11.69% – 12.69%
Establishment Fee
Comparison Rate % p.a. (2-3 years)²
13.38% – 14.40%
Comparison Rate % p.a. (5 years)³
13.53% – 14.55%
Tier 3
Interest Rate % p.a. (2-3 years)
12.29% – 13.79%
Interest Rate % p.a. (5 years)
13.79% – 15.29%
Establishment Fee
Comparison Rate % p.a. (2-3 years)²
15.38% – 16.91%
Comparison Rate % p.a. (5 years)³
15.78% – 17.31%
Tier 4
Interest Rate % p.a. (2-3 years)
14.99% – 17.99%
Interest Rate % p.a. (5 years)
17.49% – 20.49%
Establishment Fee
Comparison Rate % p.a. (2-3 years)²
18.48% – 21.54%
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)

1. The establishment fee is added to your loan; the amount is based on your SocietyOne loan grade and the loan amount. 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.

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.