Switch & Save

If you already have a personal loan, you may be paying more than you need to.

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No strings attached and it won't impact your credit score.

Why switch to a SocietyOne personal loan?


Simple fee structure

Our loans feature one simple establishment fee. No monthly fee, no early repayment fees and no break costs. For more information on fees, see our Rates and Fees.

Flexible loan options

Our loans are built to cover a wide range of needs. You can borrow up to $50,000 with flexible loan terms of 2, 3 or 5 years. Repayments can be made fortnight or monthly.

Competitive interest rates

Our unsecured personal loans help professionals get on top of their studies with loan rates starting at 7.88% p.a. / 9.90% p.a. comparison rate* Best of all, our rates are tailored to you. Apply now and get the rate you deserve.

Fast online application

Our application process is 100% online. This keeps our costs lower and can mean faster approval time and funding.

*The comparison rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. Tier 1 borrowers will receive an interest rate between 7.75% - 9.20% (comparison rate 9.77% - 11.23% p.a.) depending on investor demand. 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 process is the fastest, most seamless way to borrow money - welcome to the revolution!”
Lovely avatar

Lovely, VIC

“SocietyOne was different. It saved me a considerable amount of money”
Jonny avatar

Jonny, Queensland

“It really is the easiest transaction I think I have ever completed.”
Paul avatar

Paul, VIC

Make it happen.

Whether you want to consolidate debt, buy a car or go on a holiday, SocietyOne can help make it happen.

Our rates


We never charge any monthly or early repayment fees. Loans available for a minimum term of 2 years and a maximum term of 5 years.

SocietyOne Loan
Grades
Interest Rate
% p.a. (2-3 years)
Interest Rate
% p.a. (5 years)
Establishment
Fee
Comparison Rate
% p.a. (2-3 years)2
Comparison Rate
% p.a. (5 years)3
Tier 1 (AA)7.75% - 9.20%8.60% - 10.05%3.00%9.77% - 11.23%9.87% - 11.33%
Tier 2 (A)10.30% - 10.90%11.25% - 11.85%4.00%13.02% - 13.63%12.98% - 13.59%
Tier 3 (B)10.90% - 12.00%11.95% - 13.05%4.50%13.97% - 15.09%13.91% - 15.03%
Tier 4 (C)12.00% - 14.80%13.15% - 15.95%5.00%15.43% - 18.29%15.35% - 18.21%
Tier 5 (D)14.80% - 24.25%16.05% - 25.50%6.00%18.97% - 28.67%18.75% - 28.48%

The establishment fee is added to your loan; the amount is based on your SocietyOne loan grade and the loan amount. A $35 fee applies if you need to vary your loan. 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.


Example based on a SocietyOne Tier 1 loan for $10,000 with a 3 year term.


Comparison Rate*

9.90%

Monthly Repayment

$331.90

Total Repayments

36 x $331.90 = $11,947.30

*The comparison rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. Tier 1 borrowers will receive an interest rate between 7.75% - 9.20% (comparison rate 9.77% - 11.23% p.a.) depending on investor demand. 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.

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