Compare SocietyOne Personal Loans & Interest Rates - Best Find

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Personal loan amount

Term of personal loan

Features

Loan purpose

Personal loan provider

SocietyOne Car Loan Interest Rates, Calculator & Reviews - Best Find

for $10,000 over 3 years

Personal Loan

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.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)2 Years

Maximum term (years)5 Years

Advertised rate7.50%

Comparison rate9.51%

Monthly repayments (approx)$317

Total repayments (approx)$11,422

Total interest repayments (approx)$1,422

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$200

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Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleMonthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?No

Sponsored Yes

Telephone1300 144 221

Data accurate as of24/10/2017

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Comparison rate warning

The comparison rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. Tier 1 borrowers will receive an interest rate between 7.75% - 9.20% (comparison rate 9.77% - 11.23% p.a.) depending on investor demand. 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.

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Compare 100s of car loans

Did you know you can compare 100s of car loans? Review, calculate interest rate repayments, apply online and save by visiting our main car loans comparison page.

Compare and review SocietyOne car loans

Looking to finance a new or used car, van, truck or motorcycle? When comparing SocietyOne car loans, there are other key facts to consider and understand, other than just SocietyOne’s interest rates.

What car loan options are available?

SocietyOne has 1 car loan product:

  • SocietyOne Low Interest Car loan

View the above table for detailed product information and a comparison of the interest rates, fees and features.

You can also review and compare SocietyOne personal loans.

Do you have a SocietyOne car loans calculator?

Yes. Use the filter to adjust your loan amount and term to calculate your approximate monthly repayments. When you apply the filter, you will see a breakdown of your approximate monthly repayments as well as the total amount of interest and fees paid.

For a more accurate quote, contact SocietyOne directly.

How to apply for a SocietyOne car loan?

If you’d like to apply online for a SocietyOne car loan, just scroll up and click on “Learn more” to be taken to SocietyOne’s secure online application form. Before you apply, be sure to learn about SocietyOne’s loan products, fees and eligibility criteria. Give yourself around 30 minutes to complete the car loan application.

SocietyOne’s car loan eligibility criteria

Before you apply for a car loan, be sure to understand and meet the SocietyOne’s lending criteria. Below is high-level overview of SocietyOne’s criteria:

SocietyOne’s minimum requirements for a car loan

  • Minimum age of 18
  • Earn a minimum of $15,000 per annum
  • You’re buying a car or motorcycle for personal use
  • Minimum loan amount of $5,000 or more
  • You’re a permanent Australian resident or valid work visa holder (457 or other diplomatic visas)

Information you’ll need to provide

Whether at the SocietyOne branch or online, make sure to have the following details and documents nearby:

  • A current Australian driver’s license (if you have one)
  • Your current employer’s name, contact name and phone number
  • Previous employer, if you’ve changed jobs in the last three years
  • Income, expenses, assets and liabilities (such as other loans or credit cards)

Are you self-employed?

If you’re self-employed, you will also need to provide:

  • Financial statements for the last year (no older than 18 months)
  • Your most recent personal/business tax return (no older than 18 months)

Other things to keeping mind when applying

  • Approval time takes between 1 to 3 business days
  • It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
  • Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to your SocietyOne car loan

There are many additional factors SocietyOne consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save!

What can you use a SocietyOne car loan for?

Examples of common loan purposes SocietyOne will lend for:

Additional SocietyOne car loan information

SocietyOne’s minimum and maximum car loan amounts and terms

How much can you borrow? Between $5,000 and $50,000, over terms between 2 years and 5 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Repayment schedule

SocietyOne allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

SocietyOne allows you to make additional or early repayments. There are no fees associated with completely repaying your loan off early. View their terms and conditions to learn more about early termination.

Security

SocietyOne’s Low Interest Car Loan does not require an asset (typically, the vehicle) as security.