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Low Rate Personal Loans

Save, with rates from 7.5% p.a.
(comparison rate 9.51% p.a.)*

Get My Rate!
Getting a rate won't affect your credit score.
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Low Rates

From 7.5% 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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Credit Score Safe

Getting a quote won't affect your credit score

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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.

low interest personal loans

Our Personal Loans

Borrow
$5,000 - $50,000

Choose between
2, 3 or 5 year terms

No ongoing
monthly fees!

No early
repayment fees

Check out your repayments

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

Repayment Calculator

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*Please enter an amount between $5,000 and $50,000
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Your estimated repayments

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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!

Fixed rates from

7.5% p.a.

Comparison rates from

9.51% p.a.

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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  • Your online banking login
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Check out our rates

You can choose a loan term of 2, 3 and 5 years with repayments made fortnightly or monthly.

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 Fee¹
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 Fee¹
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 Fee¹
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 Fee¹
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.

Interest Rate: 7.5% - Comparison Rate: 9.51%* + Establishment Fee: 4%
+ Monthly Repayment : $320.39 = Total Loan Cost (including fees)
: $11,534.20 (36 x $320.39)

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

Applying For a Loan 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

Frequently Asked Questions

Things to Consider Before Getting a Personal Loan

Do I meet the requirements?

You are eligible for a SocietyOne personal loan if you are:
- At least 21 yrs old
- Earn more than $30,000 p.a. from employment (Centrelink may be used as supplementary income)
- Are an Australian citizen or permanent resident
- Have good credit
- Are using the personal loan mainly for personal use

What is the personal loan interest rate?

Our low interest rates are personalised for each customer and are determined based upon factors such as your credit score - the higher your score the lower your rate. You can get a personalised loan rate here in as little as 1 minute. Don't fret, getting a rate won't affect your credit score!

Are there any fees and charges associated with the personal loan?

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. Learn more about our competitive loan rates.

What is the term of the personal loan?

We offer 2, 3 and 5 year loan terms. Think you may want to pay your loan off early? No worries! 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.

How will I pay off the personal loan?

Repayments can be made in either fortnightly or monthly instalments, by direct debit. Personal Loan repayments are calculated depending on your choice of 2,3 or 5 year loan terms, and whether you have chosen fortnightly or monthly repayments along with the interest rate you receive on approval of your loan.

What amount should I borrow?

SocietyOne's unsecured personal loans range from $5,000 to $50,000 with flexible loan terms of 2, 3 or 5 years. We suggest borrowing an amount that best suits your situation, making sure you will be comfortable paying off each instalment. You can use our handy loan calculator to find out exactly what your repayment amounts will be based on how much you wish to borrow.

What can I use the loan for?

Our flexible loan type means that you can use the funds however you wish. Once you're approved the funds will be transferred to your bank account, usually within 24 hours! You'll be able to consolidate debt, book a holiday, renovate your home, buy a car or purchase the prize winning llama you've always wanted in no time! Marty used his loan to help him achieve his dreams of competing at the Oceania athletic championships.

Got more questions? Head to our frequently asked questions page for more answers.

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

Resources

Two people with two computers reviewing papers in front of them.
What responsible lending actually means for you
Find out more
A woman looking at her tablet
Personal loans, explained
Find out more
A person with a phone looking at the SocietyOne quote page.
Repayment calculator
Find out more

The Fine Print

*Rates are based on an unsecured fixed rate personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). 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.

1. The establishment fee is added to your loan, 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.