SocietyOne, Great Low Rates!

We are peer-to-peer lending platform, matching the investors' funds with high quality borrowers at lower rates than banks.

Fast, Simple, Low Rate
Personal Loans

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We’re here to help! If you’re a SocietyOne customer effected by the fires, you may be eligible for support as part of our fire relief package. Call us on 1300 950 345 - Mon-Fri 9am-5pm AEDT

Rewarding good credit history with awesome rates!

At SocietyOne we provide a personalised rate based upon a range of factors including income, age and your credit history. On average our rates are 36% lower than the big four! We're here to help you get a better deal on a personal loan.
  • SocietyOne


  • ANZ


  • Westpac


  • CBA


  • NAB


Unsecured loans
You don't need to
provide a deposit or collateral
2-5 years
Shorter loan pay off period
Peer-to-peer lending
You get a better
and fairer deal on a personal loan
  • SocietyOne


  • ANZ


  • Westpac


  • CBA


  • NAB


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Getting a loan with SocietyOne is easy!


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Most people finish their application within 5 minutes


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Once approved, we’ll have the funds in your account within a few days!


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Don't just take our word for it...

4.9 Google  4.7 ProductReview
“Pretty happy with the service, easy to talk to someone and very happy with my loan. Save a fair bit by consolidating my loans.”


“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.”


“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 T

“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.”


“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.”


“Best customer service with a very great rate. I found the whole process very easy, and was pleasantly surprised with the interest rate I was offered. Overall I would not hesitate in recommending society one.”


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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 between14.99% - 20.49% p.a. (comparison rate 18.48% - 22.38% p.a.).

Minimum period for repayment is 2 years and maximum period for repayment is 5 years. 3 years loans are also available and loans may be repaid early without any fees or penalties. Maximum annual percentage rate is 20.49% p.a. Maximum Comparison rate is 22.34% p.a.

*Rates are based on an unsecured fixed rate personal loan of $10,000 over 3 years.  SocietyOne rate is the lowest available rate for a borrower with excellent credit (Tier 1 borrower).  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.

Canstar 5-star Rating was awarded on 7th of November 2019 for the Unsecured Loan – Excellent Credit Product for the Unsecured Personal Loan profile.