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SocietyOne Unsecured Personal Loan (Fixed)

Advertiser disclosure
The details shown below are for a fixed loan between $5,000 and $50,000
The details shown below are for a fixed loan between $5,000 and $50,000
The details shown below are for a fixed loan between $5,000 and $50,000
The details shown below are for a fixed loan between $5,000 and $50,000
The details shown below are for a fixed loan between $5,000 and $50,000
The details shown below are for a fixed loan between $5,000 and $50,000
The details shown below are for a fixed loan between $5,000 and $50,000
The details shown below are for a fixed loan between $5,000 and $50,000

Choose the version of this loan that suits you best

Loan type Name Min loan amount Max loan amount
Fixed Unsecured Personal Loan (Tier 1 Credit, Fixed) $5,000 $50,000
Fixed Unsecured Personal Loan - Excellent Credit (Fixed over 5 years) $5,000 $50,000
Fixed Unsecured Personal Loan (Tier 2 Credit, Fixed) $5,000 $50,000
Fixed Unsecured Personal Loan (Very Good Credit, Fixed, 5 year term) $5,000 $50,000
Fixed Unsecured Personal Loan (Tier 3 Credit, Fixed) $5,000 $50,000
Fixed Unsecured Personal Loan (Good Credit, Fixed, 5 year term) $5,000 $50,000
Fixed Unsecured Personal Loan (Tier 4 Credit, Fixed) $5,000 $50,000
Fixed Unsecured Personal Loan (Average Credit, Fixed, 5 year term) $5,000 $50,000
  • Loan: $5,000 $50,000
  • Loan: $5,000 $50,000
  • Loan: $5,000 $50,000
  • Loan: $5,000 $50,000
  • Loan: $5,000 $50,000
  • Loan: $5,000 $50,000
  • Loan: $5,000 $50,000
  • Loan: $5,000 $50,000
Interest rate from
9.20% p.a.to 14.19% p.a.
Comparison rate from
9.20% p.a.to 17.42% p.a.based on $10,000
over 3 years
Upfront fee
$495.00
Interest rate from
9.20% p.a.to 15.69% p.a.
Comparison rate from
9.20% p.a.to 16.24% p.a.based on $30,000
over 5 years
Upfront fee
$495.00
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
$595.00
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
$595.00
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
$595.00
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
$595.00
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
$595.00
Interest rate from
23.39% p.a.to 25.89% p.a.
Comparison rate from
23.45% p.a.to 25.98% p.a.based on $10,000
over 3 years
Upfront fee
$595.00

Mozo editorial review SocietyOne Unsecured Personal Loan (Fixed) - last updated: 22 November 2023

binocular icon
What's hot
  • Fixed rates from 9.20% (9.20% comparison rate*) for 2-5 year loans
  • No ongoing fees
  • Extra repayments welcome
What's not
  • $595 establishment fee (except for top credit score customers)
Mozo snapshot

With rates starting from a low 9.20% (9.20% comparison rate*) for 2, 3 and 5-year loans and no ongoing fees, SocietyOne's Unsecured Personal Loan is an enticing offer. SocietyOne is the first peer to peer lender to make a splash on the personal loans market, removing the banks from the borrowing equation and connecting borrowers (like you) directly with wholesale investors.

key icon
Key features

SocietyOne's Unsecured Personal Loan is available for personal loans from $5,000-$50,000 and can be paid back over 2-5 years.

There's a lot to love about this online-only player, with the flexibility to make repayments fortnightly or monthly and the ability to make extra repayments (with no early repayment fees) - so you can pay off your loan ASAP! Though do keep in mind that you won't be able to dip into those extra funds as there's no redraw facility.

With SocietyOne, if you are taking out a loan over 2, 3 or 5 years, rates start from a low 9.20% (9.20% comparison rate*).

SocietyOne offers personalised rates that reward customers with a good credit history. So depending on the customer, interest rates can range from 9.20% up to 25.89% (9.20% to 25.98% comparison rates*).

While there is an establishment fee between $0 and $595 depending on your credit score, you won't need to pay this upfront (and it's not require for customers in the top tier of SocietyOne's "Excellent" credit rating). It's added to your principal amount, so you pay it as part of your monthly repayments. But if you get behind on repayments you'll feel the bite of the $35 late payment fee. 



snapshot
Who is it good for

Whether it's for your dream wedding, some new wheels or a reno project, SocietyOne's Unsecured Personal Loan could be a great pick for borrowers looking for a personal loan with no upfront or ongoing fees and a competitive interest rate.

question icon
Any catches

While rates start from a competitive 9.20% (9.20% comparison rate*), depending on the borrower, you could face a rate as high as 25.89% (25.98% comparison rate*).


Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

9.20% p.a.to 14.19% p.a. fixed

9.20% p.a.to 17.42% p.a.based on $10,000
over 3 years

Fees

$495.00

$0.00

$35.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

2 Years

5 Years

Unsecured

Features

-

Fortnightly, Monthly

yes

no

Interest rate and establishment fee vary according to Equifax credit score. Rates and fees shown are for a Tier 1 credit graded borrower. Minimum employment income of $30,000 p.a. Upfront fee added to principal amount of loan.

Upfront fee of $495 waived for applicants with Excellent Credit.

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.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

9.20% p.a.to 15.69% p.a. fixed

9.20% p.a.to 16.24% p.a.based on $30,000
over 5 years

Fees

$495.00

$0.00

$35.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

5 Years

5 Years

Unsecured

Features

-

Fortnightly, Monthly

yes

no

Interest rate and establishment fee vary according to Equifax credit score. Rates and fees shown are for a Tier 1 (Excellent Credit) graded borrower. Minimum employment income of $30,000 p.a. Upfront fee added to principal amount of loan.

Upfront fee of $495 waived for applicants with Excellent Credit.

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.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

15.14% p.a.to 16.14% p.a. fixed

18.62% p.a.to 19.64% p.a.based on $10,000
over 3 years

Fees

$595.00

$0.00

$35.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

2 Years

5 Years

Unsecured

Features

-

Fortnightly, Monthly

yes

no

Interest rate and establishment fee vary according to Equifax credit score. Rates and fees shown are for a Tier 2 credit graded borrower. Minimum employment income of $30,000 p.a. Application fee added to principal amount of loan.

none

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.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

16.84% p.a.to 17.84% p.a. fixed

17.09% p.a.to 18.1% p.a.based on $10,000
over 3 years

Fees

$595.00

$0.00

$35.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

0 Years

5 Years

Unsecured

Features

-

Fortnightly, Monthly

yes

no

Interest rate and establishment fee vary according to Equifax credit score. Rates and fees shown are for a Tier 2 (Very Good Credit) graded borrower. Minimum employment income of $30,000 p.a. Application fee added to principal amount of loan.

none

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.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

17.29% p.a.to 19.79% p.a. fixed

20.67% p.a.to 23.23% p.a.based on $10,000
over 3 years

Fees

$595.00

$0.00

$35.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

2 Years

5 Years

Unsecured

Features

-

Fortnightly, Monthly

yes

no

Interest rate and establishment fee vary according to Equifax credit score. Rates and fees shown are for a Tier 3 credit graded borrower. Minimum employment income of $30,000 p.a. Application fee added to principal amount of loan.

none

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.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

19.29% p.a.to 21.79% p.a. fixed

19.42% p.a.to 21.94% p.a.based on $10,000
over 3 years

Fees

$595.00

$0.00

$35.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

0 Years

5 Years

Unsecured

Features

-

Fortnightly, Monthly

yes

no

Interest rate and establishment fee vary according to Equifax credit score. Rates and fees shown are for a Tier 3 (Good Credit) graded borrower. Minimum employment income of $30,000 p.a. Application fee added to principal amount of loan.

none

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.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

20.39% p.a.to 22.89% p.a. fixed

23.75% p.a.to 26.31% p.a.based on $10,000
over 3 years

Fees

$595.00

$0.00

$35.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

2 Years

5 Years

Unsecured

Features

-

Fortnightly, Monthly

yes

no

Interest rate and establishment fee vary according to Equifax credit score. Rates and fees shown are for a Tier 4 credit graded borrower. Minimum employment income of $30,000 p.a. Application fee added to principal amount of loan.

none

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.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

23.39% p.a.to 25.89% p.a. fixed

23.45% p.a.to 25.98% p.a.based on $10,000
over 3 years

Fees

$595.00

$0.00

$35.00

$0.00

$0.00

Other financial bits

$5,000.00

$50,000.00

0 Years

5 Years

Unsecured

Features

-

Fortnightly, Monthly

yes

no

Interest rate and establishment fee vary according to Equifax credit score. Rates and fees shown are for a Tier 4 (Average Credit) graded borrower. Minimum employment income of $30,000 p.a. Application fee added to principal amount of loan.

none

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.

Customer Reviews

How are SocietyOne personal loans rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

Latest reviews of SocietyOne Unsecured Personal Loan (Fixed)

About SocietyOne

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