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Home > Personal Loans > Societyone Personal Loans
Important disclosure

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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Company
Product
Name
Advertised
Rate
Comparison
Rate
Monthly
Repayment

Personal Loan - 2 to 3 years - Tier 1

SocietyOne
Personal Loan - 2 to 3 years - Tier 1
7.50% Advertised Rate (p.a)
9.51% Comparison Rate (p.a.)
$323.50 Monthly Repayment
GO TO SITE

View fees & additional info +

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

Personal loan interest rates (base)7.50%

Personal loan comparison rate9.51%

Monthly repayments (approx)$323

Total repayments (approx)$11,646

Total interest repayments (approx)$1,646

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee3%-4%

GO TO SocietyOne

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored No

Telephone-

Data accurate as of18/01/2018

GO TO SocietyOne

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Personal Loan - 2 to 3 years - Tier 2

SocietyOne
Personal Loan - 2 to 3 years - Tier 2
10.49% Advertised Rate (p.a)
13.38% Comparison Rate (p.a.)
$338.79 Monthly Repayment
GO TO SITE

View fees & additional info +

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

Personal loan interest rates (base)10.49%

Personal loan comparison rate13.38%

Monthly repayments (approx)$338

Total repayments (approx)$12,196

Total interest repayments (approx)$2,196

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee4.25%

GO TO SocietyOne

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored No

Telephone-

Data accurate as of18/01/2018

GO TO SocietyOne

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Personal Loan - 2 to 3 years - Tier 3

SocietyOne
Personal Loan - 2 to 3 years - Tier 3
11.99% Advertised Rate (p.a)
15.08% Comparison Rate (p.a.)
$347.04 Monthly Repayment
GO TO SITE

View fees & additional info +

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

Personal loan interest rates (base)11.99%

Personal loan comparison rate15.08%

Monthly repayments (approx)$347

Total repayments (approx)$12,493

Total interest repayments (approx)$2,493

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee4.50%

GO TO SocietyOne

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored No

Telephone-

Data accurate as of18/01/2018

GO TO SocietyOne

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Personal Loan - 5 years - Tier 1

SocietyOne
Personal Loan - 5 years - Tier 1
8.10% Advertised Rate (p.a)
9.36% Comparison Rate (p.a.)
$351.48 Monthly Repayment
GO TO SITE

View fees & additional info +

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

Personal loan interest rates (base)8.10%

Personal loan comparison rate9.36%

Monthly repayments (approx)$351

Total repayments (approx)$12,653

Total interest repayments (approx)$2,653

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee3%-4%

GO TO SocietyOne

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored No

Telephone-

Data accurate as of18/01/2018

GO TO SocietyOne

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Personal Loan - 2 to 3 years - Tier 4

SocietyOne
Personal Loan - 2 to 3 years - Tier 4
14.99% Advertised Rate (p.a)
19.07% Comparison Rate (p.a.)
$363.93 Monthly Repayment
GO TO SITE

View fees & additional info +

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

Personal loan interest rates (base)14.99%

Personal loan comparison rate19.07%

Monthly repayments (approx)$363

Total repayments (approx)$13,101

Total interest repayments (approx)$3,101

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee5.00%

GO TO SocietyOne

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored No

Telephone-

Data accurate as of18/01/2018

GO TO SocietyOne

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Personal Loan - 5 years - Tier 2

SocietyOne
Personal Loan - 5 years - Tier 2
11.39% Advertised Rate (p.a)
13.23% Comparison Rate (p.a.)
$371.21 Monthly Repayment
GO TO SITE

View fees & additional info +

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

Personal loan interest rates (base)11.39%

Personal loan comparison rate13.23%

Monthly repayments (approx)$371

Total repayments (approx)$13,363

Total interest repayments (approx)$3,363

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee4.25%

GO TO SocietyOne

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored No

Telephone-

Data accurate as of18/01/2018

GO TO SocietyOne

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Personal Loan - 5 years - Tier 3

SocietyOne
Personal Loan - 5 years - Tier 3
13.19% Advertised Rate (p.a)
15.17% Comparison Rate (p.a.)
$383.47 Monthly Repayment
GO TO SITE

View fees & additional info +

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

Personal loan interest rates (base)13.19%

Personal loan comparison rate15.17%

Monthly repayments (approx)$383

Total repayments (approx)$13,804

Total interest repayments (approx)$3,804

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee4.50%

GO TO SocietyOne

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored No

Telephone-

Data accurate as of18/01/2018

GO TO SocietyOne

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Personal Loan - 5 years - Tier 4

SocietyOne
Personal Loan - 5 years - Tier 4
16.79% Advertised Rate (p.a)
19.07% Comparison Rate (p.a.)
$408.81 Monthly Repayment
GO TO SITE

View fees & additional info +

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

Personal loan interest rates (base)16.79%

Personal loan comparison rate19.07%

Monthly repayments (approx)$408

Total repayments (approx)$14,717

Total interest repayments (approx)$4,717

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee5.00%

GO TO SocietyOne

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored No

Telephone-

Data accurate as of18/01/2018

GO TO SocietyOne

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Featured personal loans

NOW Finance Unsecured No Fee Personal Loan

Now Finance
NOW Finance Unsecured No Fee Personal Loan
5.95% Advertised Rate (p.a)
5.95% Comparison Rate (p.a.)
$303.99 Monthly Repayment
GO TO SITE

View fees & additional info +

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. ^Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Comparison rate can vary from 5.95% to 17.95%

Overview

Minimum loan amount$8,000

Maximum loan amount$50,000

Minimum term (years)1.5 years

Maximum term (years)7 Years

Personal loan interest rates (base)5.95%

Personal loan comparison rate5.95%

Monthly repayments (approx)$303

Total repayments (approx)$10,943

Total interest repayments (approx)$943

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$0

GO TO Now Finance

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of23/02/2021

GO TO Now Finance

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Low Rate Personal Loan (Fixed, Unsecured) - Excellent Credit

OurMoneyMarket
Low Rate Personal Loan (Fixed, Unsecured) - Excellent Credit
5.45% Advertised Rate (p.a)
6.07% Comparison Rate (p.a.)
$309.28 Monthly Repayment
GO TO SITE

View fees & additional info +

OurMoneyMarket offer competitive low rates on loans up to $50,000, plus free extra repayments and fee-free redraw facility.

Overview

Minimum loan amount$2,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)7 Years

Personal loan interest rates (base)5.45%

Personal loan comparison rate6.07%

Monthly repayments (approx)$309

Total repayments (approx)$11,134

Total interest repayments (approx)$1,134

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of30/06/2021

GO TO OurMoneyMarket

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MoneyMe Personal Loan - Excellent Credit

MoneyMe
MoneyMe Personal Loan - Excellent Credit
6.25% Advertised Rate (p.a)
7.64% Comparison Rate (p.a.)
$320.77 Monthly Repayment
GO TO SITE

View fees & additional info +

Fast and easy online application. Money can be in your account same-day. Flexible repayments with no early exit fees. Comparison interest rates from 7.64% to 13.32% p.a.

Overview

Minimum loan amount$2,100

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO MoneyMe

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly/Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored Yes

Telephone1300 329 037

Data accurate as of03.03.2021

GO TO MoneyMe

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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.

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.

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