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Low Rate
Caravan loans

Comparison rates from as low as 5.95% p.a.*

Get what you need

Borrow what you need between $5k and $50k

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.
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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.
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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 history.

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.
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How our rates compare

See how our personal loan rates measure up to the big 4, Commonwealth Bank, Westpac, ANZ and NAB.
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Rates as of 03/05/2021. Excludes short term bank promotions.
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Personal loans made easy

Consolidate your debts

Thanks to our personal loans, you could consolidate debts into a single repayment or pay for expenses like a wedding that would be difficult to pay off with a credit card.

No deposit required

Unlike a mortgage, our personal loans can be 'unsecured' which means you don’t need to provide a deposit or collateral (like your home or car).

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!
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Why get a personal loan?

Consolidate your debts

If you want to significantly reduce the amount of interest you incur over the lifetime of multiple debts, or you’re struggling to manage several debt repayments at once, debt consolidation may be a good option for you.

Using a personal loan from SocietyOne for Debt consolidation can make budgeting easier, so you only need to keep track of one regular payment and could save you money thanks to our great low rates. Plus, with SocietyOne there are no early repayment fees, so you can pay off your debt faster and without penalty.
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Renovate your home

Whether you’re planning to extend your family home, are getting your house ready to put on the market or are wanting to spruce up an existing bathroom or living space, a SocietyOne home renovation loan can be a great way to fund your home renovation.

You can avoid adding to your mortgage and incurring additional interest over 10, 15 or 25 years, and with great low rates of our personal loans and no fees on extra repayments, you could increase your cost savings.
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Plan a holiday

Avoid missing out on all the best travel deals by using a SocietyOne personal loan to fund your next holiday.

Secure your flights, accommodation and other big-ticket holiday expenses early and increase your cost savings with our low interest rate.

Pay off your personal loan easily with one regular payment and enjoy the great benefits of no monthly or early payment fees.
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Buy a car

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 terms years means you could pay less interest than a loan over a longer term.

A fixed rate loan is a good alternative to a traditional car loan if you're looking to buy a car. Our unsecured loan option also means you can borrow a little more for on road fees or debt consolidation.

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Pay for your wedding

Pay for the big expenses like the venue, catering, the dress and even the honeymoon with our personal loans, and begin paying them off before the wedding day, plus:

• Budgeting is easier with one regular payment

• Our great low interest rates mean you could save money on fees and interest

• No monthly or early repayment fees and costs mean you could pay your debt off sooner!
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Pay for your education

Using a SocietyOne unsecured personal loan for school or higher education fees gets an A+.

• Our personal loans don't have early repayment costs, which means you can pay off the loan early without a termination fee

• Our low interest rates mean you could save money on fees and interest

• They’re unsecured so you can include the expense of uniforms, books and other study material
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Have some more questions?

Our support team is here to help.

Frequently Asked Questions

Things to Consider Before Getting a Personal Loan

Eligibility criteria for personal loans

If you’re thinking of applying for a personal loan from SocietyOne, there are a few key criteria that you’ll need 
to meet to be eligible:

  • You need to be at least 18 years of age
  • Be an Australian citizen or a permanent resident of Australia
  • You must earn more than $30,000 per annum, with Centrelink considered to be a supplementary form of income
  • It’s important that you have a good credit score

What will I need to get a personal loan?

You may need to supply us with the following 
information and documents as part of your personal 
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

Who can apply for a SocietyOne personal loan?

You are eligible for a SocietyOne personal loan if you:

  • Are at least 18 years 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 loan mainly for personal use

What is the application process like?

  1. Get your rate: In as little as 1 minute we'll give you an interest rate and comparison rate based on your credit history
  2. Apply online: Most people finish their application within 5 minutes (and it's easier to do if you're enjoying your morning coffee)
  3. 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?

SocietyOne's unsecured personal loans range from $5,000 to $50,000 with flexible loan terms of 2, 3 or 5 years.

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

What are the interest rates?

Fixed interest rate

At SocietyOne, 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 start from 5.95% 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.

Our comparison rates start from 5.95% p.a.*

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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Track Your Progress
Improve Your Score
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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."
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."
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.”
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.”
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