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Low Rate
Caravan loans

Comparison rates from as low as 4.95% p.a.*

Get what you need

Choose our secured loan option to borrow up to $70,000.

Quick & easy

Get a personalised rate in as little as 2 minutes

No ongoing fees

Never pay any monthly or early repayment fees

Credit score safe

Getting a quote won’t affect your credit score

Easily calculate your rate

Getting a Personal Loan with SocietyOne is quick and easy.
Please enter an amount between $5,000 and $70,000
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Personal Loans

Start Your Next Adventure

With a SocietyOne personal loan, you’ll be free to start that caravan adventure of a lifetime. If approved you could have the funds in as little as 1 business day, meaning you could be on the road in no time.

As with all SocietyOne personal loans, the online process is quick and easy - plus you’ll never have to pay any monthly or repayment fees.
Get My rate

How it works

Getting a personal loan with SocietyOne is quick and easy.

Get Your Rate

In as little as 2 minutes we’ll give you a rate based on your credit profile.

Apply Online

It only takes 5 minutes for most people to complete their online application.

Get Your Funds

Once approved, we’ll have the funds in as little as 1 business day.
Get My Rate

How our rates compare

See how our unsecured personal loan rates measure up to the big 4, Commonwealth Bank, Westpac, ANZ and NAB.
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Get My Rate
Rates as of 03/05/2021. Excludes short term bank promotions.
View the fine print

Caravan loans made easy

Get the money, fast

We know you’re in a hurry to get your new wheels! If your caravan loan is approved, you could have the funds within 1 business day!

You’re in control

You get to choose the repayment frequency and loan term that suits you! Select from fortnightly or monthly repayments.

Pay it off sooner

We don’t charge any penalties for paying off your personal loan early, so you have the option to pay a little extra off when you can!
Get My Rate

The right loan for you

With great rates, flexible loan terms and repayment options, plus no monthly or early repayment fees you’ll have no trouble finding a loan to suit you.

Wondering about the difference between secured and unsecured is? In our helpful guide we get into the nitty gritty about both of these loan types to help you understand more and make it easier to choose the loan type that’s best for you.
Loan details
Secured loans
Unsecured loans
Interest rates
From 4.95% p.a
From 5.95% p.a.
Comparison rates
From 4.95% p.a.*
From 5.95% p.a.*
Amount you can borrow
$5,000 to $70,000
$5,000 to $50,000
Loan terms
2, 3, 5 or 7 years
2, 3, or 5 years
Repayment frequency
Fortnightly or monthly
Fortnightly or monthly
Asset security
Yes, you will need to provide an eligible asset as security
No security required 
Monthly fees
None
None
Early repayment fees
Zero
Zero
Hidden fees
Zilch
Zilch

Award winning personal loans

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Frequently Asked Questions

Things to Consider Before Getting a Personal Loan

What will I need to get a caravan loan?

To get a personal loan, you may need to supply us with the following information and documents as part of your caravan loan application:

  • Your personal details – name, address, date of birth
  • A driver’s licence or passport
  • Proof of your address - for example, a utility bill
  • Proof of your income in the form of payslips or bank statements
  • Details about your day-to-day expenses, and any other debts


If you’re applying for a secured personal loan, you’ll also need to provide asset details as part of the verification process. 

The documents we require depend on your ownership of the vehicle but it will help to have these things handy:

  • Registration certificate 
  • Proof of insurance
  • Invoice or proof of private sale, if you are purchasing a vehicle

Will a credit check be made when I apply for a personal caravan loan?

Yes, we use this and assess your financial situation to calculate your interest rate & reward borrowers who have maintained good credit scores. Receiving a rate quote from us will not impact your credit score. We use what is called a 'soft call' to get your credit score from the credit bureau which allows us to calculate a personalised rate for you. However, once you have submitted your loan application, we will conduct a credit check as part of our assessment process. This check is known as a 'hard call' and will be reflected in your credit score.

What is the process of applying for a personal loan?

Applying for a SocietyOne loan is simple.

  • Get your rate: In as little as 2 minutes we'll give you an interest rate and comparison rate based on your credit profile.
  • Apply online: Most people finish their application within 5 minutes (and it's easier to do if you're enjoying your morning coffee).
  • Get paid: Once approved, we'll have the loan funds in your account in as little as 1 business day.‍

Get your rate now and get started.

How much can I borrow, and for how long?

The amount you can borrow depends on the loan options you choose and your serviceability (this is a calculation of how much you can afford to repay) 

With an unsecured personal loan, you can borrow from $5,000 to $50,000. However, if you choose our secured option, you can borrow up to $70,000. 

With either option, you should borrow the amount that best suits your situation, making sure you will be comfortable paying off each instalment.

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Please contact customer service at customer.service@societyone.com.au.

What are the interest rates?

Fixed interest rate

Our personal loans have a fixed interest rate, meaning your interest rate doesn't change during the life of your loan and your regular repayments are always the same. 

Fixed rate personal loans can help make it easier for you to budget. With no early repayment fees, our fixed rate loans give you more freedom and allow you to pay off your debt sooner.

Our fixed rates for unsecured personal loans start from 5.95% p.a* 

Our fixed rates for secured personal loans start from 4.95% p.a*

Comparison rate

If you’re looking to compare personal loans, the comparison rate is the most transparent way to compare the true costs. A comparison rate takes into account the interest rate as well as all of the fees and charges that are payable (such as establishment fees), making it easier to understand the complete cost of the personal loan with a more transparent comparison of the products.

If you’re looking to compare personal loans, the comparison rate is the most transparent way to compare the true costs. A comparison rate takes into account the interest rate as well as all the fees and charges that are payable (such as establishment fees), making it easier to understand the total cost of the personal loan with a more transparent comparison of the products.

Our comparison rates for unsecured personal loans start from 5.95% p.a*

Our comparison rates for secured personal loans start from 4.95% p.a*

Are there any fees?

We charge a one-off establishment fee that is included in your total loan amount. There are also no monthly fees or early repayment fees giving you the security of a fixed rate loan, with the flexibility to pay it off early. Visit our Rates & Fees page for further details.

Establishment fee

No up-front payments, just a one-off fee included in your total loan amount and paid over the life of the loan. Establishment fees start from: 0% with a maximum establishment fee of $595.


Late Repayment Fee

If your loan repayment is unable to be processed and the payment remains outstanding, a late fee will be payable at 5, 14, 21 & 30 days after the payment date. Late Repayment fee: $35 per late payment


Direct Debit Dishonour Fee

It’s important to ensure there are enough funds in your account to cover each of your repayments to avoid dishonour fees. This fee is payable if we are unable to process a direct debit from your account. 

Dishonour fee: $15 per dishonour


Early repayment fee

Some lenders charge you for paying your loan out early. We don't! 

Early repayment fee: $0

Credit Score

Be in the know

Banks and lenders know your credit score, and so should you. Find out about your score, how it all works and how you can improve it.
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Don't just take our word for it...

"Process extremely easy and speedy. Staff great to work with and kept updated consistently throughout whole process."
Google
Mar 2021
“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.”
Google Review
Nov 2020
“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.”
Google Review
Nov 2020
“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.”
Google Review
Nov 2020
"Process extremely easy and speedy. Staff great to work with and kept updated consistently throughout whole process."
Google
March 2021
"Such an easy process to apply for my personal loan. From the start of the application to when the funds were in my bank was only a matter of a few days. Great service, would highly recommend”
Product Review
February 2021
“Cant speak highly enough of society one. They approached our application with reasonable thought and actually took notice of affordability not just debits from accounts. Nothing seems to be too much problem with this company. Highly recommend.”
Google
March 2021
“Very speedy service fantastic people to deal with. Highly recommend society one for a personal loan. I am very impressed with them and will use them again if need be in the future”
Product Review
February 2021
“Society one is a refreshing new way of doing banking. From my application through to draw down the process was streamlined and timely, as advertised. No hesitation in recommending their services.”
Google
March 2021
"Application process was simple and straight to the point. You are able to see your rate, prior to applying and this does not affect your credit score. Customer Service was excellent, response times are quick and rates are in line with the BIG 4 banks."
Product Review
February 2021