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SocietyOne Personal Loans

SocietyOne personal loans have interest rates that go lower when your credit history gets better. Starting rates also outshine what you get from the big banks. But you might need to compare your options and repayments below to see if the overall package is worth those extra dollars in your pockets.

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Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Advertised
Rate

Comparison
Rate

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Loan Amount

$10,000

Term

3 months

Change

Personal Loan - 2 to 3 years - Tier 1

EST Monthly Repayment

$323.50 Inclusive of fees

EST Monthly Repayment

7.50%
Advert. Rate (p.a)

Comparison rate

9.51%
Comp. Rate (p.a.)

Go to site

We understand no two borrowers are the same. That's why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Personal Loan - 2 to 3 years - Tier 2

EST Monthly Repayment

$338.79 Inclusive of fees

EST Monthly Repayment

10.49%
Advert. Rate (p.a)

Comparison rate

13.38%
Comp. Rate (p.a.)

Go to site

We understand no two borrowers are the same. That's why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Personal Loan - 2 to 3 years - Tier 3

EST Monthly Repayment

$347.04 Inclusive of fees

EST Monthly Repayment

11.99%
Advert. Rate (p.a)

Comparison rate

15.08%
Comp. Rate (p.a.)

Go to site

We understand no two borrowers are the same. That's why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Personal Loan - 5 years - Tier 1

EST Monthly Repayment

$351.48 Inclusive of fees

EST Monthly Repayment

8.10%
Advert. Rate (p.a)

Comparison rate

9.36%
Comp. Rate (p.a.)

Go to site

We understand no two borrowers are the same. That's why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Personal Loan - 2 to 3 years - Tier 4

EST Monthly Repayment

$363.93 Inclusive of fees

EST Monthly Repayment

14.99%
Advert. Rate (p.a)

Comparison rate

19.07%
Comp. Rate (p.a.)

Go to site

We understand no two borrowers are the same. That's why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Personal Loan - 5 years - Tier 2

EST Monthly Repayment

$371.21 Inclusive of fees

EST Monthly Repayment

11.39%
Advert. Rate (p.a)

Comparison rate

13.23%
Comp. Rate (p.a.)

Go to site

We understand no two borrowers are the same. That's why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Personal Loan - 5 years - Tier 3

EST Monthly Repayment

$383.47 Inclusive of fees

EST Monthly Repayment

13.19%
Advert. Rate (p.a)

Comparison rate

15.17%
Comp. Rate (p.a.)

Go to site

We understand no two borrowers are the same. That's why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Personal Loan - 5 years - Tier 4

EST Monthly Repayment

$408.81 Inclusive of fees

EST Monthly Repayment

16.79%
Advert. Rate (p.a)

Comparison rate

19.07%
Comp. Rate (p.a.)

Go to site

We understand no two borrowers are the same. That's why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Featured

Low-Rate Personal Loan - Exceptional Credit - Zero Fee

EST Monthly Repayment

$305.49 Inclusive of fees

EST Monthly Repayment

6.28%
Advert. Rate (p.a)

Comparison rate

6.28%
Comp. Rate (p.a.)

GO TO SITE

OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $5,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.

Featured

Unsecured Personal Loan - Exceptional Credit

EST Monthly Repayment

$305.49 Inclusive of fees

EST Monthly Repayment

6.28%
Advert. Rate (p.a)

Comparison rate

6.28%
Comp. Rate (p.a.)

GO TO SITE

Borrow from $5,000 to $65,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.

Featured

NOW Finance Unsecured No Fee Personal Loan

EST Monthly Repayment

$306.26 Inclusive of fees

EST Monthly Repayment

6.45%
Advert. Rate (p.a)

Comparison rate

6.45%
Comp. Rate (p.a.)

GO TO SITE

Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. Comparison rate can vary from 6.45% to 26.95% p.a.*

DISCLAIMER NOW Finance is a trademark of Now Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142, as agent for NF Finco 2 Pty Ltd ACN 164 213 030. THINGS YOU SHOULD KNOW Applications for finance are subject to NOW Finance’s lending and approval criteria. Terms and conditions may apply. No fees only apply to new NOW Finance personal loans. If you do not comply with the terms of your loan, we may pass on to you any third party enforcement or recovery costs incurred by us. Loan repayment terms range between 18 months to 7 years. For unsecured personal loans you can borrow between $5,000 to $50,000 with interest rates ranging from 6.45% p.a. (6.45% p.a. comparison rate*) to 26.95% p.a. (26.95% p.a. comparison rate*). For secured personal loans you can borrow between $15,000 to $100,000 with interest rates ranging from 6.45% p.a. (6.45% p.a. comparison rate*) to 21.65% p.a. (21.65% p.a. comparison rate*). *ABOUT COMPARISON RATES The Comparison Rate is designed to help you understand the overall cost of the personal loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rates for the NOW Finance loans are based on a loan of $30,000 over 5 years. WARNING: The comparison rates given are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. NOW Finance does not charge any fees so the Comparison Rate will always equal the interest rate quoted. Representative example: For a borrower with excellent credit, an unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 6.75% p.a. (6.75% p.a. comparison rate), would estimate to a minimum total amount payable of $35,430 via the fortnightly payment option. Rates are subject to change. NOW Finance does not charge any additional fees for its personal loans, included but not limited to ‘Upfront Fees’, ‘Break Cost Fees’ or ‘Late Fees’. ABOUT PERSONALISED QUOTES Your personalised quote will provide you with an estimate of your interest rate and repayments. The final interest rate you are offered may differ once you have completed a loan application and told us about your personal financial circumstances and credit history.

Featured

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment

$309.87 Inclusive of fees

EST Monthly Repayment

7.24%
Advert. Rate (p.a)

Comparison rate

7.24%
Comp. Rate (p.a.)

GO TO SITE

Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.

Featured

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment

$320.56 Inclusive of fees

EST Monthly Repayment

5.76%
Advert. Rate (p.a)

Comparison rate

6.55%
Comp. Rate (p.a.)

GO TO SITE

Get what you want, without breaking the bank. Fast, easy & 100% online. Borrow up to $100,000 unsecured. No hidden fees or early repayment penalties. Harmoney's unsecured interest rates range from 5.76% p.a. to 24.03% p.a.

BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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What type of loan are you looking for?

Society One personal loans – Find better & tailored rates

SocietyOne has dominated the online marketplace lending scene since 2012, helping borrowers and investors get better deals while excusing banks from the equation. The peer-to-peer financing platform was the first of its kind in Australia. It also offers rates tailored to the borrower’s credit score (the better your credit, the lower your rate).

If you’re not a fan of the “one rate for all” approach, then SocietyOne personal loans may be right up your street.

SocietyOne unsecured personal loans at a glance

Loan amounts. $5,000 – $50,000
Loan terms. You can borrow over 2,3, or 5 years
Interest rate. From 6.99%
Interest rate type. Fixed rate only
Security. No collateral required
Pros. You get a lower rate when you have a higher credit score. There are also no ongoing fees or early repayment fees.
Cons. You won’t have access to a redraw facility, and your establishment fee increases if your credit rating is low.

Features of SocietyOne personal loan

Competitive and tiered interest rates. Borrowers will receive an interest rate that’s unique to their credit score. Additionally, rates are likely to be lower than traditional bank offers because of low overhead costs and a simpler lending system.
Fixed rates. Your repayments are secure from fluctuations, so you always know how much you have to pay.
Fewer fees. Although there are no monthly or early repayment fees, SocietyOne charges a one-off establishment fee which can be as high as $995.
Flexible repayment options. You can make fortnightly or monthly repayments via direct debit.
Extra repayments. Additional repayments are also allowed at zero cost. This gives you the flexibility to clear your debt quickly should you choose to.
Quick funding. Once approved, you’ll have the money in your account in as little as one business day.
Private and secure borrowing. While investors can see some of your information, they won’t know your identity. Society One provides a secure platform that keeps your sensitive details safe.

What can you use a personal loan from Society One for?

SocietyOne offers several personal loan options designed for a specific use, such as:

Debt consolidation. With a low rate personal loan from Society One, you can pay off your other debts and get rid of higher rates. Your budget and debt then become easier to manage, plus you can potentially save more.
Weddings. According to SocietyOne, the funds can cover your venue, the dress, and even the honeymoon, plus more.
Holidays. You can pay for your flights, accommodation, and other expenses that make your holiday worthwhile.
Home renovations. This option allows you to give your home a makeover without increasing your mortgage.
Car purchases. You can buy a new or used ride without offering collateral or security.
Education and studies. A SocietyOne student loan is a great option that can pay for uniforms, books, and other study material.

Eligibility criteria and what you need

To qualify for a personal loan from SocietyOne, you must be:

At least 21 years of age
An Aussie citizen or permanent resident
Earning more than $30,000 per annum – Centrelink is an accepted form of supplementary income
A creditworthy borrower

You’ll also need the following information and documents during the application process:

Driver’s licence or passport
Personal details such as your name and date of birth
Proof of address, for instance, a utility bill
Proof of income such as payslips or bank statements
Details about your expenses and debts

Apply for a Society One personal loan

Before applying, you can use our SocietyOne personal loan calculator and then click “Go to Site” in the table above to get started. On the lender’s website, use the following steps to apply:

First, get your interest rate which is calculated based on your credit history. If you’re a borrower with excellent credit, you’ll likely get the best rate. This quote will not impact your credit score.
Complete the online application process in 5 minutes.
You get funds in your account as soon as you’re approved.

Important disclosure

SocietyOne Personal Loans

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Society One personal loans – Find better & tailored rates

SocietyOne unsecured personal loans at a glance

Features of SocietyOne personal loan

What can you use a personal loan from Society One for?

Eligibility criteria and what you need

Apply for a Society One personal loan

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