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Get a personalised interest rate that rewards your good credit history - in less than 3 minutes!

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Low Rates

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

No Ongoing Fees

No monthly or early
repayment fees

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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.”

Ron

“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.”

Josephine

“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.”

BDH

“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.”

BNT

“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.”

Trev

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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Resources

What responsible lending actually means for you

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

Find out more
A woman looking at her tablet
Personal loans, explained

Consumer finance covers a multitude of different types of loans and products, so we thought we’d put together everything you may need to know to help you make your choice and make it happen for you.

Find out more

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.