Low Interest Car Loans

Quick Car Loans For New or Used Cars!

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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

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.

Get a Great Rate!

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

Repayment 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 repayment amount

$

Total amount of ${{loanTotal | currency(0)}} includes establishment fee of ${{currentFeeAmount}} and interest of ${{totalInterestPaid}}

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: 3% + Monthly Repayment : $320.39 = Total Loan Cost (including fees)
: $11,534.20 (36 x $320.39)

*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. This calculator only provides an estimate of repayment amounts. The actual amounts may be higher or lower depending on the interest rate assigned to your loan.

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

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

Tier 1 borrowers will receive an interest rate between 7.50% - 10.89% p.a. (comparison rate 9.51% - 12.71%p.a.).  Tier 2 borrowers will receive an interest rate between 10.49% -12.69% p.a. (comparison rate 13.38% - 14.55% p.a.).  Tier 3 borrowers will receive an interest rate between 12.29% - 15.29% p.a. (comparison rate 15.38% -17.31% p.a.).  Tier 4 borrowers will receive an interest rate between14.99% - 20.49% p.a. (comparison rate 18.48% - 22.38% p.a.).

Minimum period for repayment is 2 years and maximum period for repayment is 5 years. 3 years loans are also available and loans may be repaid early without any fees or penalties. Maximum annual percentage rate is 20.49% p.a. Maximum Comparison rate is 22.34% p.a.

*Rates are based on an unsecured fixed rate personal loan of $10,000 over 3 years.  SocietyOne rate is the lowest available rate for 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.