Better rates on unsecured loans

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


Get your personalised rate in less than 3 minutes.

Get a quote today - won’t impact your credit score
You can also retrieve an existing rate quote

Featured in:

We're currently offering great low interest rates from:

7.50%

p.a.

9.51%

p.a.
Comparison rate*

*Comparison based on a SocietyOne Tier 1 unsecured personal loan of $10000 over 3 years. Does not take into account promotional rates offered by banks. SocietyOne Tier 1 borrowers will receive an interest rate between 7.50% - 10.55% (comparison rate 9.51% - 13.28% p.a.) depending on investor demand. 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.


A fairer way to borrow money

  • Personalised interest rate based on your credit history.
  • Borrow from $5,000 — $50,000.
  • A range of borrowing terms (2, 3 or 5 years).
  • Your choice of fortnightly or monthly repayments.
  • No ongoing charges. Just one setup fee. That’s it.

With an unsecured loan, you don’t need to provide a deposit or collateral (like your home or car). Usually, this means paying a higher interest rate if you borrow from the banks, but not with SocietyOne.


Why SocietyOne?

We’re not a bank. We’re a community of people backing people. SocietyOne unsecured loans offer a low interest rate tailored to your credit history. The better your score, the less interest you end up paying to consolidate debt, take a holiday, fund a wedding, or clear your unexpected bills and expenses.



Make it happen

Get a quote

The better your credit score, the less interest you pay. Get your free, personalised quote in less than 3 minutes.

How SocietyOne works.


We help thousands of Australians access a fairer way to borrow money. Our unsecured loans don’t come from banks but from other people. People just like you, who want respectful service and a reasonable deal.

First, we provide you with a no-obligation online quote. Know up front how much you can borrow, and how much your repayments will be. Don’t worry, it won’t impact your credit history.

If you're happy with your quote you can submit a loan application.

If your application is approved, our investors will bid on the amount you need for the lowest rate available in our marketplace.

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 17.50% - 10.55%8.35% - 11.40%3.00% - 4.00%9.51% - 13.28%9.61% - 13.13%
Tier 210.55% - 11.50%11.50% - 12.45%4.25%13.44% - 14.41%13.34% - 14.31%
Tier 311.50% - 13.96%12.55% - 15.01%4.50%14.58% - 17.09%14.52% - 17.02%
Tier 413.96% - 18.99%15.11% - 20.14%5.00%17.43% - 22.57%17.35% - 22.49%

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*

9.51%

Monthly Repayment

$320.39

Total Repayments

36 x $320.39 = $11,534.20

*Comparison based on a SocietyOne Tier 1 unsecured personal loan of $10000 over 3 years. Does not take into account promotional rates offered by banks. SocietyOne Tier 1 borrowers will receive an interest rate between 7.50% - 10.55% (comparison rate 9.51% - 13.28% p.a.) depending on investor demand. 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.


Get a quote today.

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