A bar chart

Low Rates

From 7.5% 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.

Credit Score Safe

Getting a quote won't affect your credit score

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!

Fixed rates from

7.5% p.a.

Comparison rates from

9.51% p.a.

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!

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

Check Out Our Great Rates

I have an excellent credit score - What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 7.50%
from 8.40%
Comparison rate % p.a
from 9.51%
2
from 10.12%
3
Establishment fee
1
from 3.00%
from 3.00%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have a very good credit score - What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 10.49%
from 11.69%
Comparison rate % p.a
from 13.38%
2
from 13.53%
3
Establishment fee
1
4.25%
4.25%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have a good credit score - What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 12.29%
from 13.79%
Comparison rate % p.a
from 15.38%
2
from 15.78%
3
Establishment fee
1
4.50%
4.50%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have an average credit score - What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 14.99%
from 17.49%
Comparison rate % p.a
from 18.48%
2
from 19.78%
3
Establishment fee
1
5.00%
5.00%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero

Check Out Our Great Rates

I have an excellent credit score
What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 7.50%
from 8.40%
Comparison rate % p.a
from 9.51%
2
from 10.12%
3
Establishment fee
1
from 3.00%
from 3.00%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have a very good credit score
What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 10.49%
from 11.69%
Comparison rate % p.a
from 13.38%
2
from 13.53%
3
Establishment fee
1
4.25%
4.25%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have a good credit score
What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 12.29%
from 13.79%
Comparison rate % p.a
from 15.38%
2
from 15.78%
3
Establishment fee
1
4.50%
4.50%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero
I have an average credit score
What is a credit score?
2 - 3 year loan
5 year loan
Interest rate % p.a
from 14.99%
from 17.49%
Comparison rate % p.a
from 18.48%
2
from 19.78%
3
Establishment fee
1
5.00%
5.00%
Monthly fee
None
None
Early repayment fee
Zilch
Zilch
Other hidden fees
Zero
Zero

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

A male and female bride and groom coming out of a church to guests throwing rice.
Smart ways to save money on your wedding
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
Find out more
A wedding table setting with pink and purple flowers.
To all the weekends of wedding season
Find out more

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

The Fine Print

*Tier 1 borrowers will receive an interest rate between 7.50% - 10.89% p.a. (comparison rate 9.51% - 12.71% p.a.).  Tier 2 borrowers will receive an interest rate between 10.49% - 12.69% p.a. (comparison rate 13.38% - 14.55% p.a.).  Tier 3 borrowers will receive an interest rate between 12.29% - 15.29% p.a. (comparison rate 15.38% - 17.31% p.a.).  Tier 4 borrowers will receive an interest rate between 14.99% - 20.49% p.a. (comparison rate 18.48% - 22.38% p.a.).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.

1. The establishment fee is added to your loan, based on your SocietyOne loan grade and the loan amount.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.