Personal Loans

Personalised interest rates that reward your good credit history. It’s a fairer way to borrow.

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We're currently offering great low interest rates from:

7.88%

p.a.

9.90%

p.a.
Comparison rate*

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*The comparison rate is based on a SocietyOne Tier 1 (AA) unsecured personal loan of $10,000 over 3 years. Tier 1 (AA) borrowers will receive an interest rate between 7.75% - 8.99% (comparison rate 9.77% - 11.02% p.a.) depending on investor demand. WARNING: These comparison rates are true only for the example 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.

Personalised rates

We understand no two borrowers are the same. That’s why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Fast loans

See how much you could borrow online and at what rate in a few clicks. Once approved, our investors will have the money in your account in a few days.

No surprises

No shocks. No Surprises. No hidden costs. In fact, we encourage you to repay your loan sooner and save on interest!

Safe and Secure

We’re not a bank, we’re a new-breed lending marketplace. Your identity and personal information will remain confidential while our investors bid on your loan.

Make it happen.

Whether you want to consolidate debt, buy a car or go on a holiday, SocietyOne can help make it happen.

Switch & Save

Switch your existing personal loan to SocietyOne and take advantage of our low interest rates.

*The comparison rate is based on a SocietyOne Tier 1 (AA) unsecured personal loan of $10,000 over 3 years. Tier 1 (AA) borrowers will receive an interest rate between 7.75% - 8.99% (comparison rate 9.77% - 11.02% p.a.) depending on investor demand. WARNING: These comparison rates are true only for the example provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate.


Join the thousands of Australians that have discovered a fairer, more rewarding way to borrow.

“This process is the fastest, most seamless way to borrow money - welcome to the revolution!”
Lovely avatar

Lovely, VIC

“SocietyOne was different. It saved me a considerable amount of money”
Jonny avatar

Jonny, Queensland

“It really is the easiest transaction I think I have ever completed.”
Paul avatar

Paul, VIC

Our Rates


We never charge any monthly or early repayment fees.

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 (AA)7.75% - 8.99%8.60% - 9.84%3.00%9.77% - 11.02%9.87% - 11.12%
Tier 2 (A)8.99% - 9.49%9.94% - 10.44%4.00%11.69% - 12.20%11.65% - 12.15%
Tier 3 (B)9.49% - 10.99%10.54% - 12.04%4.50%12.53% - 14.06%12.47% - 14.00%
Tier 4 (C)10.99% - 13.99%12.14% - 15.14%4.75%14.23% - 17.29%14.21% - 17.27%
Tier 5 (D)13.99% - 25.49%15.24% - 26.74%5.00%17.46% - 29.21%17.48% - 29.26%
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 SocietyOneAA grade $10,000 unsecured personal loan for a 3 year term.


Comparison Rate*

9.90%

Monthly Repayment

$331.90

Total Repayments

36 x $331.90 = $11,947.30

*The comparison rate is based on a SocietyOne Tier 1 (AA) unsecured personal loan of $10,000 over 3 years. Tier 1 (AA) borrowers will receive an interest rate between 7.75% - 8.99% (comparison rate 9.77% - 11.02% p.a.) depending on investor demand. WARNING: These comparison rates are true only for the example provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate.

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