A bar chart

Low Rates

From 7.50% p.a (9.51% p.a. comparison rate*)

An award ribbon.

No Ongoing Fees

No monthly or early repayment fees

A mobile phone showing a tick icon.

100% Online

Apply on your smartphone or computer... Easy!

A stopwatch.

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!

RATES FROM

7.5% p.a.

COMPARISON RATES FROM

9.51% p.a.

*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% p.a. (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest rates. 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. Establishment fee applies.

A man wearing glasses hugging a young child, with a woman lying on the couch with a tablet.

Pay for a wedding

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

  • Budgeting is easier with one regular payment
  • Our great low rates mean you could save money on fees and interest
  • No monthly or early repayment fees mean you could pay your debt off sooner!

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 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

Check out our rates

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
Interest Rate % p.a. (2-3 years)
7.50% – 9.99%
Interest Rate % p.a. (5 years)
8.40% – 10.89%
Establishment Fee
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 Fee
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 Fee
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 Fee
5.00%
Comparison Rate % p.a. (2-3 years)²
18.48% – 21.54%
Comparison Rate % p.a. (5 years)³
19.78% – 22.38%

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

Comparison Rate: 9.51%* + Monthly Repayment: $320.39 = Total Repayments: $11,534.20 (36 x $320.39)

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

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.

*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% p.a. (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest rates. 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. Establishment fee applies.

See how much you could save with our repayment calculator

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

Find out your rate now

Get Quote

Resources

A male and female bride and groom coming out of a church to guests throwing rice.
Smart ways to save money on your wedding

Your wedding day is supposed to be the happiest day of your life. However, sometimes it can be difficult to get excited when you’re worried about blowing the budget. Here’s a few tips that will hopefully save you a bit of cash, while allowing you to have the wedding you always wanted!

Find out more
A woman in a wedding dress holding flowers and the hand of her groom in a blue suit
The quest for the perfect wedding

Competitive wedding syndrome - a condition predominantly affecting engaged couples whose wedding plans become focussed on outdoing their peers and impressing their guests.

Find out more
A wedding table setting with pink and purple flowers.
To all the weekends of wedding season

While we know having a wedding can be tough on your wallet, attending a wedding can be just as expensive. What makes attending a wedding so expensive, and how can we cut down on the costs?

Find out more

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.

Whether you want to consolidate debt, buy a car or go on holiday, we've got a loan for you!