SocietyOne personal loans

2.2
Based on 10 SocietyOne personal loan product reviews.
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Established in 2012, SocietyOne is an online marketplace lender which provides Australians with an alternative borrowing solution to the banks. SocietyOne’s peer to peer platform enables borrowers to connect with investors and secure a personal loan for a range of purposes including debt consolidation, a new car, holiday or home improvement. Unlike banks that often have a ‘one rate fits all’ loan, SocietyOne has a tailored rate system, which rewards good quality borrowers with lower rates based on their individual credit history.

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Last updated 1 May 2025 Important disclosures and comparison rate warning*

SocietyOne personal loans

  • Unsecured Personal Loan

    • Tier 1 Credit, Fixed
    Interest rate from
    9.20 % p.a.
    to
    14.24 % p.a.
    Comparison rate from
    9.20 % p.a.
    to
    17.68 % p.a.
    Based on $10,000 over 3 years
    Upfront fee
    $495
    No Partner link

  • Car Loan - Excellent Credit

    • Fixed, Unsecured
    Interest rate from
    9.20 % p.a.
    to
    23.99 % p.a.
    Comparison rate from
    8.45 % p.a.
    to
    25.29 % p.a.
    Based on $10,000 over 3 years
    Upfront fee
    $595
    No Partner link

  • Unsecured Personal Loan - Excellent Credit

    • Fixed over 5 years
    Interest rate from
    9.20 % p.a.
    to
    15.74 % p.a.
    Comparison rate from
    9.20 % p.a.
    to
    19.21 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $495
    No Partner link

  • Unsecured Personal Loan

    • Tier 2 Credit, Fixed
    Interest rate from
    15.14 % p.a.
    to
    16.14 % p.a.
    Comparison rate from
    18.62 % p.a.
    to
    19.64 % p.a.
    Based on $10,000 over 3 years
    Upfront fee
    $595
    No Partner link

  • Unsecured Personal Loan

    • Tier 3 Credit, Fixed
    Interest rate from
    17.29 % p.a.
    to
    19.79 % p.a.
    Comparison rate from
    20.67 % p.a.
    to
    23.23 % p.a.
    Based on $10,000 over 3 years
    Upfront fee
    $595
    No Partner link

  • Unsecured Personal Loan

    • Tier 4 Credit, Fixed
    Interest rate from
    20.39 % p.a.
    to
    22.89 % p.a.
    Comparison rate from
    23.75 % p.a.
    to
    26.31 % p.a.
    Based on $10,000 over 3 years
    Upfront fee
    $595
    No Partner link

  • Unsecured Personal Loan

    • Very Good Credit, Fixed, 5 year term
    Interest rate from
    16.84 % p.a.
    to
    17.84 % p.a.
    Comparison rate from
    17.09 % p.a.
    to
    18.1 % p.a.
    Based on $10,000 over 3 years
    Upfront fee
    $595
    No Partner link

  • Unsecured Personal Loan

    • Good Credit, Fixed, 5 year term
    Interest rate from
    19.29 % p.a.
    to
    21.79 % p.a.
    Comparison rate from
    19.42 % p.a.
    to
    21.94 % p.a.
    Based on $10,000 over 3 years
    Upfront fee
    $595
    No Partner link

  • Unsecured Personal Loan

    • Average Credit, Fixed, 5 year term
    Interest rate from
    23.39 % p.a.
    to
    24.99 % p.a.
    Comparison rate from
    23.45 % p.a.
    to
    28.66 % p.a.
    Based on $10,000 over 3 years
    Upfront fee
    $595
    No Partner link

  • Secured Personal Loan

    • Tier 1 Credit, Fixed
    Interest rate from
    8.20 % p.a.
    to
    13.24 % p.a.
    Comparison rate from
    n/a % p.a.
    Upfront fee
    $545
    No Partner link

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SocietyOne personal loan ratings

Overall customer rating for SocietyOne personal loans

2.2
Based on 10 product reviews.

Customer reviews

Important disclosures
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SocietyOne products

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* WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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