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Low Rates

Comparison rates from 6.99% p.a*

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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

Car Loans The Reward Good Credit

Get that new car feeling with a SocietyOne personal loan for your next car purchase, plus:

  • You don’t need to use the car as security on the loan
  • 2, 3 or 5 year terms mean you could pay less interest than a loan over a longer term.
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Get a great rate!

Find out what your repayments could be 
with our SocietyOne personal loan calculator
$
*Please enter an amount between $5,000 and $50,000
Example Interest rate: {{ rateRanges.interest.low | currency }}% p.a. Comparison rate: {{ rateRanges.comparison.low | currency }}% p.a.

Your estimated repayments

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Total repayment amount of ${{loanTotal | currency(0)}}, which includes interest and fees.

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See how we compare to the big banks

Looking for a low rate loan with no ongoing fees? See how our comparison and interest rates measure up to Commonwealth Bank, Westpac, ANZ and NAB.

Comparison ratesInterest rates

  • SocietyOne

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  • Westpac

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  • ANZ

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  • CBA

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  • NAB

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Rates as of 10/09/2020

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Applying for a Personal 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

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Don't Just Take Our Word For it
4.7/5 on Google reviews
4.8/5 on Productreview.com.au
My loan enabled me to buy a car after I received a small lump sum from insurance after my car was written off. After a freezing winter using public transport I borrowed money for a car - 4 years ago which I still have today and its fully paid off as well as adequately insured! Thanks!
SocietyOne provided me with a loan to purchase a current model car and there was enough left over for my wife and I to have a lovely small holiday! I found the team very easy to deal with and very professional, Once again, thanks! It was a very pleasant experience.
We were in need of another car so I sought SocietyOne for finance. Our son needed a car for work as he had just got his licence. SocietyOne was marvellous - easy to work with, efficient and I did not feel that I was being scrutinised at every turn. Our son now has a car and is working!

Find Out Your Rate Now

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Frequently Asked Questions

﹀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.

﹀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 payments?

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.

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

Resources

A retro sky blue car headlight detail against green grass.
Six considerations for financing your new wheels
Find out more
A woman sitting on a landing with a computer and tea.
What to do with your tax return
Find out more
A person with a phone looking at the SocietyOne quote page.
Repayment calculator
Find out more

Resources

A retro sky blue car headlight detail against green grass.
Six considerations for financing your new wheels
Find out more
A woman sitting on a landing with a computer and tea.
What to do with your tax return
Find out more
A person with a phone looking at the SocietyOne quote page.
Repayment calculator
Find out more

The Fine Print

Information about SocietyOne borrowing rates
Tier 1 borrowers will receive an interest rate between 6.99% - 10.49% p.a. (comparison rate 6.99% - 12.21% p.a.). Tier 2 borrowers will receive an interest rate between 9.99% -12.19% p.a. (comparison rate 12.87% - 13.89% p.a.). Tier 3 borrowers will receive an interest rate between 11.99% - 14.99% p.a. (comparison rate 15.08% - 16.61% p.a.). Tier 4 borrowers will receive an interest rate between 14.99% - 20.49% p.a. (comparison rate 18.48% - 22.06% p.a.). Loan example: for a borrower with excellent credit (Tier 1 borrower), a loan of $10,000 over a 3 year term, with an interest rate of 8.99% p.a. (comparison rate 11.69% p.a.) and a $400 establishment fee, the fortnightly repayment would be $152 and the total cost over the life of the loan (including the establishment fee) would be $11,883.

Information about comparison rates
Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan.  The SocietyOne comparison rate is based on an unsecured fixed rate personal loan of $10,000 over 3 years.  WARNING: 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.

Information about personal loan calculator
The personal loan calculator provides an estimate of repayment amounts and is not a quote or an offer to provide credit.  Actual repayment amounts may be higher or lower depending on the interest rate assigned to your loan.  See above for more information about SocietyOne borrowing rates.  The comparison rate for 2 year and 3 year loans is based on a loan amount of $10,000 and for 5 year loans, the comparison rate is based on a loan amount of $30,000.  An establishment fee is added to your loan, based on your SocietyOne loan grade and the loan amount. The minimum establishment fee for most borrowers is $395 (except some Tier 1 (excellent credit) borrowers who will have a $0 establishment fee) and the maximum fee is $995.
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Information about bank comparison table
All rates in the bank comparison table are based on an unsecured fixed rate personal loan of $10,000 over 3 years. The SocietyOne rate is the lowest available rate for a borrower with excellent credit (Tier 1 borrower).  See above for more information about SocietyOne borrowing rates.  The comparison table does not take into account short term bank promotional rates.

Canstar 5-star Rating was awarded on 7th of November 2019 for the Unsecured Loan – Excellent Credit Product for the Unsecured Personal Loan profile.

SocietyOne Australia Pty Limited ACN 151 627 977 holds Australian credit licence no. 423660. Credit is subject to SocietyOne’s standard terms and conditions and lending criteria.
Contact Us customer.service@societyone.com.au