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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

Personal loans that reward good credit

The better your credit history, the lower your rate!

Fixed rates from

7.5% p.a.

Comparison rates from

9.51% p.a.

Student Loans That Reward Good Credit

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

  • No early repayment fees means you can pay the loan off sooner without a termination fee

  • Our great low 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

Get ready to apply

Have this handy to make the application faster

  • Check if you're eligible
    Find out now
  • Your drivers licence
    We need this to give you a quote
  • Your online banking login
    For quick and secure access to your financials

Applying For a 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

"I found it was a very easy way to apply for a loan to pay off my credit card and personal loan I had with amazing interest rates I wish I had found them years ago I would have saved thousands not just a few hundred."
Trev
“Pretty happy with the service, easy to talk to someone and very happy with my loan. Save a fair bit by consolidating my loans.”
Ron
“Company is efficient and quick with regard to their service. Will definitely refer to family and friends. Don’t make the clients wait on the phone unlike other companies. More power.”
Josephine
“Customer service was excellent. I received a call almost straight away when I lodged my application. The process was very simple and fast! I would definitely recommend Society One to anyone looking for a loan that is very competitive.”
Frances

Check out our rates

You can choose a loan term of 2, 3 and 5 years with repayments made fortnightly or monthly.

SocietyOne Loan Grades
Interest Rate % p.a. (2-3 years)
Interest Rate % p.a. (5 years)
Establishment Fee¹
Comparison Rate % p.a. (2-3 years)²
Comparison Rate % p.a. (5 years)³
Tier 1
Interest Rate % p.a. (2-3 years)
7.50% – 9.99%
Interest Rate % p.a. (5 years)
8.40% – 10.89%
Establishment Fee¹
3.00% – 4.00%
Comparison Rate % p.a. (2-3 years)²
9.51% – 12.71%
Comparison Rate % p.a. (5 years)³
10.12% – 12.61%
Tier 2
Interest Rate % p.a. (2-3 years)
10.49% – 11.49%
Interest Rate % p.a. (5 years)
11.69% – 12.69%
Establishment Fee¹
4.25%
Comparison Rate % p.a. (2-3 years)²
13.38% – 14.40%
Comparison Rate % p.a. (5 years)³
13.53% – 14.55%
Tier 3
Interest Rate % p.a. (2-3 years)
12.29% – 13.79%
Interest Rate % p.a. (5 years)
13.79% – 15.29%
Establishment Fee¹
4.50%
Comparison Rate % p.a. (2-3 years)²
15.38% – 16.91%
Comparison Rate % p.a. (5 years)³
15.78% – 17.31%
Tier 4
Interest Rate % p.a. (2-3 years)
14.99% – 17.99%
Interest Rate % p.a. (5 years)
17.49% – 20.49%
Establishment Fee¹
5.00%
Comparison Rate % p.a. (2-3 years)²
18.48% – 21.54%
Comparison Rate % p.a. (5 years)³
19.07% – 22.34%

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: 4%
+ Monthly Repayment : $320.39 = Total Loan Cost (including fees)
: $11,534.20 (36 x $320.39)

Find out what your repayments could be with our repayment calculator.

Find Out Your Rate Now

Get Quote

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.

Resources

An apple on top of stacked books on a table with coloured pencils and wooden letter A-B-C blocks.
Spend smarter and save on your kids’ education
Find out more
A woman outdoors in a blue shirt with her phone thinking.
The number the banks don’t want you to know
Find out more
A person with a phone looking at the SocietyOne quote page.
Repayment calculator
Find out more

Resources

An apple on top of stacked books on a table with coloured pencils and wooden letter A-B-C blocks.
Spend smarter and save on your kids’ education
Find out more
A woman outdoors in a blue shirt with her phone thinking.
The number the banks don’t want you to know
Find out more
A person with a phone looking at the SocietyOne quote page.
Repayment calculator
Find out more