Save money and the environment

Get a low rate personal loan for your next solar power or green project.

RATES FROM

7.5% p.a.

COMPARISON RATES FROM

9.51% p.a.*

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Oops! Something went wrong while submitting the form.

Am I eligible? Find out now

Already started? Pick up where you left off.

RATES FROM

7.5% p.a.

COMPARISON RATES FROM

9.51% p.a.

*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% p.a. (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 loan grades, terms, fees or loan amounts might result in a different comparison rate. Establishment fee applies.

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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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Don't just take our word for it

"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."
Trev
“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

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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
4.25%
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
4.50%
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
5.00%
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.

Resources

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Resources

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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.

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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.

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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 customer.service@societyone.com.au. 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 contact customer service on customer.service@societyone.com.au.

+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 contact us at customer.service@societyone.com.au 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.

Resources

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Home renovations for sustainable living

As an owner-occupier, you stand to gain the most from upping the sustainability factor of your home and garden. Here are a few ideas to get you started.

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When to refinance your home loan

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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Making a house a home

It’s an exciting time. You’ve finally found the dream house and moved in. With a bit of elbow grease and a lick of paint, you can transform that unassuming duckling into a beautiful swan. Here are a few tips and tricks to get your house just the way you want it.

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