We’re here for you. We’re taking extra measures to support our customers during these uncertain times. Find out how we can help you here.

Low Rate
Wedding loans

Comparison rates from as low as 4.95% p.a.*
Couple at a wedding

Get what you need

Choose our secured loan option to borrow up to $70,000.

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

Your loan repayment calculator

Getting a Personal Loan with SocietyOne is quick and easy.
*Please enter an amount between $5,000 and $70,000
* Max loan amount for Unsecured is $50,000
Example Interest rate: {{ rateRanges.interest.low | currency }}% p.a.^ Comparison rate: {{ rateRanges.comparison.low | currency }}% p.a.*

Your estimated repayments

$

Total repayments amount: ${{ loanTotal | currency(0) }}
includes interest and fee.

Wedding Day

There is so much that goes into making your wedding day perfect: venue, catering, the dress and more. Wedding costs do begin to add up and many items need to be paid well ahead of the big day. 

A personal loan from SocietyOne can help cover the costs so you can enjoy all the planning in the lead up to your wedding with less of the financial stress. Plus with secured and unsecured loan options, flexible loan terms and great low rates, you could also save on interest… leaving more for that perfect day!
Get My rate
Couple getting married

Honeymoon

So you budgeted for the big day, but what about the best part? Your honeymoon! 

Of course you want to spend your time relaxing, so using a secured loan or unsecured loan could help cover the expenses of your honeymoon, and may also mean you can book your stay ahead of time and take advantage of those early bird discounts.
Get My rate

Take the stress out of your big day

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 My rate

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 profile.

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.
Get My Rate

How our rates compare

See how our unsecured personal loan rates measure up to the big 4, Commonwealth Bank, Westpac, ANZ and NAB.
SocietyOne
from
rate
p.a.*
ANZ
rate
p.a.
CBA
from
rate
p.a.
Westpac
rate
p.a.
NAB
from
rate
p.a.
Get My Rate
Rates as of 03/05/2021. Excludes short term bank promotions.
View the fine print

Wedding loans made easy

Consolidate your debts

Consolidate your debts into a single repayment or pay for wedding expenses that would be difficult to pay off with a credit card.

No deposit required

Choose between secured or unsecured loan options, loan terms up to 7 years and monthly or fortnightly repayments.

Pay it off sooner

We don’t charge penalties for paying off your loan early, so you have the option to pay a little extra off when you can!
Get My Rate

The right loan for you

With great rates, flexible loan terms and repayment options, plus no monthly or early repayment fees you’ll have no trouble finding a loan to suit you.

Wondering about the difference between secured and unsecured is? In our helpful guide we get into the nitty gritty about both of these loan types to help you understand more and make it easier to choose the loan type that’s best for you
Loan details
Secured loans
Unsecured loans
Interest rates
From 4.95% p.a
From 5.95% p.a.
Comparison rates
From 4.95% p.a.
From 5.95% p.a.
Amount you can borrow
$5,000 to $70,000
$5,000 to $50,000
Loan terms
2, 3, 5 or 7 years
2, 3, or 5 years
Repayment frequency
Fortnightly or monthly
Fortnightly or monthly
Asset security
Yes, you will need to provide an eligible asset as security
No security required 
Monthly fees
None
None
Early repayment fees
Zero
Zero
Hidden fees
Zilch
Zilch

Award winning personal loans

Product review logo
Canstar logo
Mozo logo
Mozo logo
Mozo logo
Financial Review logo
Fintech Awards logo
Finder award

Frequently Asked Questions

Things to consider before getting a wedding loan

What will I need to get a personal wedding loan?

To get a personal loan, you may need to supply us with the following information and documents as part of your personal wedding 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


If you’re applying for a secured personal loan, you’ll also need to provide asset details as part of the verification process. 


The documents we require depend on your ownership of the vehicle but it will help to have these things handy:

  • Registration certificate 
  • Proof of insurance
  • Invoice or proof of private sale, if you are purchasing a vehicle

Will a credit check be made when I apply for a personal wedding loan?

Yes, we use this and assess your financial situation to calculate your interest rate & reward borrowers who have maintained good credit scores. Receiving a rate quote from us will not impact your credit score. We use what is called a 'soft call' to get your credit score from the credit bureau which allows us to calculate a personalised rate for you. However, once you have submitted your loan application, we will conduct a credit check as part of our assessment process. This check is known as a 'hard call' and will be reflected in your credit score.

What repayment options are available?

Wedding loan repayments can be made in either fortnightly or monthly instalments by direct debit. 

Your regular repayments are calculated based on your loan amount, interest rate, loan term (2, 3, 5 years with an unsecured loan or up to 7 years with a secured loan), and whether you have chosen fortnightly or monthly repayments.

Who can apply for a secured or unsecured personal loan?

The first thing you should do is check your eligibility with the lender. If you’re looking to apply for a personal loan with SocietyOne, you’ll need to ensure you meet our lending criteria below: 

  • 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
  • It’s important that you have a good credit history.

If you’re applying for a secured personal loan, you will need to have an asset to pledge as security. At SocietyOne, your asset will need to meet a minimum value, depending on the amount you wish to borrow. Acceptable assets include: 

  • Vehicles (passenger and light commercial vehicles) 
  • Motorbikes
  • Caravans
  • Marine (boats and personal watercrafts). 

We do not accept heavy commercial vehicles. 

You will need to provide asset details, proof of ownership or purchase invoice, and insurance as part of the verification process.

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.
Get Your Free Credit Score
Unlimited Access
Track Your Progress
Improve Your Score
Woman looking at mobile phone

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."
Google
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."
Google
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.”
Google
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.”
Google
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