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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

Apply on your smartphone or computer... Easy!

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Super Quick

Get a personalised rate in as little as 1 minute

Why a personal loan?

A personal loan is often used to consolidate debts into a single repayment or pay for expenses like holidays, weddings and cars that would be difficult to pay off within the interest free period on a credit card.

Unlike a mortgage, our personal loans are “unsecured” which means you don’t need to provide a deposit or collateral (like your home or car).

Unsecured loans are also paid off over a shorter period (2 – 5 years), so you can get to your goal of paying the debt off sooner.

Our Personal Loans

Borrow
$5,000 - $50,000

Choose between
2, 3 or 5 year terms

No ongoing
monthly fees!

No early
repayment fees

Personal Loans Repayment Calculator

Find out what your repayments could be with a SocietyOne personal loan

We only offer loans between $5k and $50k!

Interest Rate From

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Comparison Rate From

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Monthly Fee

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Total Repayments

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Including Interest and fees of

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***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.

Personal loans that reward good credit

The better your credit history, the lower your rate!

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.

Check out our rates

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)
8.40% – 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
19.78% – 22.38%

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)

Find out what your repayments could be with our repayment calculator.

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

See how much you could save with our repayment calculator

Whether you want to consolidate debt, buy a car or
go on holiday, we've got a loan for you!

Get ready to apply

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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

Applying is easy

1

Get your rate

In as little as 1 minute we’ll give you a rate based on your credit history

3

Get your funds

Once approved, we’ll have the funds in your account within
a few days!

2

Apply online

Most people finish their application within 5 minutes

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

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

“The process of applying for the loan was quick and easy. I'm not very tech Savoy but I found all the banking links easy to follow and understand. The loan was then approved faster than I expected, very happy”

GJS

“Applied Wednesday got approved and funds on Friday same week! Was sent emails all through the process to inform of progress. Awesome interest rate, way better than the big banks.”

Verity

“Staff were very helpful, courteous and prompt.
All extra costs were what I expected - so nothing additional - very informative.
After some investigation of other lenders - Society One gave me the best interest rate”

VOB

“The easiest loan I’ve ever had!! The best customer service, very quick reply!! Always happy to help!! I know where I’ll be getting my next loan from if needed! Thank you!”

nikz

“Service was amazing throughout process and in regards to cost they were upfront so you know what you are paying before you give concent and i was satisfied with offer.”

Rjay

“I emailed a query & in no time Society One replied! Extremely efficient and I was emailing a real person, not a robot. This company is so professional, & it was a pleasure to deal with them.”

Jay

“The service I have received from Society One has been excellent. They are always friendly, helpful and prompt in actioning my requests. I have no hesitation in recommending them to anyone.”

Andrea

“Super quick and easy to apply. I was contacted quickly and the process was effortless and seamless. Customer service was second to none. I will definately recomend Society One to anyone.”

Lisa M

“My whole experience from start to finish was seamless and I received fantastic customer service everytime i needed to call to ask a question. I highly recommend this company to anyone looking to simplify their finances.”

TracyH

Find out your rate now

Get Quote

Resources

Two people with two computers reviewing papers in front of them.
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
A person with a phone looking at the SocietyOne quote page.
Repayment calculator

So you can spend less time doing the maths and more time thinking about what you're going to use your loan for, we've provided this handy repayment calculator to help you figure it out.

Find out more

Frequently Asked Questions

+ How are you different from "payday" lenders?

'Payday' lenders are generally lenders of last resort. In return for access to short-term credit (about 30 days) and loans that are typically of small nominal value, payday borrowers pay extremely high fees and interest rates.

SocietyOne is not a payday lender. We look for creditworthy, quality borrowers who typically have established relationships with major banks. Our loans range up to 60 months, from $5,000 to $50,000, which does not fit with the definition of a payday loan. We think quality borrowers with good track records are not getting the best rate they deserve.

+What’s the difference between a secured and an unsecured loan?

SocietyOne offers unsecured loans. That means that you don’t need to provide a deposit or security against the loan in case of default.

Secured loans require you to deposit something of value to the lending institution and this becomes the collateral or security until the loan has been repaid. Examples of collateral include your home, a car, investments or other assets that can be sold by the bank if the loan is unpaid. If the sale doesn't cover the full amount of the loan, you will have lost your asset and still owe money! Secured loans are often lower as they provide less risk to the lender.

At SocietyOne we can offer lower unsecured rates for customers with good credit as this also lowers risk for our investors.

+How much can I borrow, and for how long?

SocietyOne's unsecured personal loans range from $5,000 to $50,000 with flexible loan terms of 2, 3 or 5 years.