Thumbnail icon for SocietyOne

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: $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
6.99% p.a.to 9.49% p.a.
Comparison rate from
6.99% p.a.to 12.2% p.a.based on $10,000
over 3 years
Upfront fee
$0
Go to site
Interest rate from
7.99% p.a.to 10.49% p.a.
Comparison rate from
7.99% p.a.to 11.92% p.a.based on $30,000
over 5 years
Upfront fee
$0
Go to site
Interest rate from
9.99% p.a.to 12.19% p.a.
Comparison rate from
12.87% p.a.to 13.89% p.a.based on $10,000
over 3 years
Upfront fee
$395
Interest rate from
11.19% p.a.to 12.19% p.a.
Comparison rate from
12.63% p.a.to 13.64% p.a.based on $10,000
over 3 years
Upfront fee
$395
Interest rate from
11.99% p.a.to 14.99% p.a.
Comparison rate from
15.08% p.a.to 16.61% p.a.based on $10,000
over 3 years
Upfront fee
$395
Interest rate from
13.49% p.a.to 14.99% p.a.
Comparison rate from
14.96% p.a.to 16.48% p.a.based on $10,000
over 3 years
Upfront fee
$395
Interest rate from
14.99% p.a.to 20.49% p.a.
Comparison rate from
18.48% p.a.to 22.85% p.a.based on $10,000
over 3 years
Upfront fee
$395
Interest rate from
17.49% p.a.to 20.49% p.a.
Comparison rate from
18.48% p.a.to 22.85% p.a.based on $10,000
over 3 years
Upfront fee
$395

Mozo editorial review SocietyOne Unsecured Personal Loan (Fixed)

Last updated: 14 August 2020.

binocular icon
What's hot
  • Fixed rates from 6.99% (9.00% comparison rate*) for 2-3 year loans
  • No ongoing fees
  • Extra repayments welcome
What's not
  • Application fee from 3% of loan amount
Mozo snapshot

With rates starting from a low 6.99% (9.00% comparison rate*) for 2-3 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 or 3 years, rates start from a low 6.99% (9.00% comparison rate*), while for 5-year loans, rates start from a still decent 7.99% (9.25% comparison rate*).

SocietyOne offers personalised rates that reward customers with a good credit history. So depending on the customer, interest rates can range from 6.99% up to 20.49% (9.00% to 22.85% comparison rates*).

While there is an application fee starting from 3% of your loan amount, you won't need to pay this upfront. 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 an overseas vacay, some new wheels or a reno project, SocietyOne's Unsecured Personal Loan is perfect for borrowers looking for a personal loan with no upfront or ongoing fees and a competitive interest rate.

snapshot
Any catches

While rates start from a competitive 6.99% (9.00% comparison rate*), depending on the borrower, you could face a rate as high as 20.49% (22.85% comparison rate*).


Details

Rates and fees information correct as at 27 November 2020. 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

  • 6.99% p.a.to 9.49% p.a. fixed

  • 6.99% p.a.to 12.2% p.a.based on $10,000
    over 3 years

Fees
  • $0.00

  • $0.00

  • $35.00

  • $0.00

  • $0.00

Other financial bits
  • $5,000.00

  • $50,000.00

  • 2 Years

  • 3 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. Application fee added to principal amount of loan.

  • Establishment fee from 0% (with maximum fee of $995) is added to principal loan amount and not paid upfront, amount shown is the minimum of $0.

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 27 November 2020. 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

  • 7.99% p.a.to 10.49% p.a. fixed

  • 7.99% p.a.to 11.92% p.a.based on $30,000
    over 5 years

Fees
  • $0.00

  • $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. Application fee added to principal amount of loan.

  • Establishment fee from 0% (with maximum fee of $995) is added to principal loan amount and not paid upfront, amount shown is the minimum of $0.

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 27 November 2020. 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

  • 9.99% p.a.to 12.19% p.a. fixed

  • 12.87% p.a.to 13.89% p.a.based on $10,000
    over 3 years

Fees
  • $395.00

  • $0.00

  • $35.00

  • $0.00

  • $0.00

Other financial bits
  • $5,000.00

  • $50,000.00

  • 2 Years

  • 3 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. 3% application fee added to principal amount of loan.

  • Establishment fee from 4.25% (with maximum fee of $995) is added to principal loan amount and not paid upfront, amount shown is the minimum $395.

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 27 November 2020. 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

  • 11.19% p.a.to 12.19% p.a. fixed

  • 12.63% p.a.to 13.64% p.a.based on $10,000
    over 3 years

Fees
  • $395.00

  • $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. 3% application fee added to principal amount of loan.

  • Establishment fee from 4.25% (with maximum fee of $995) is added to principal loan amount and not paid upfront, amount shown is the minimum $395.

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 27 November 2020. 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

  • 11.99% p.a.to 14.99% p.a. fixed

  • 15.08% p.a.to 16.61% p.a.based on $10,000
    over 3 years

Fees
  • $395.00

  • $0.00

  • $35.00

  • $0.00

  • $0.00

Other financial bits
  • $5,000.00

  • $50,000.00

  • 2 Years

  • 3 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. 3% application fee added to principal amount of loan.

  • Establishment fee from 4.50% (with maximum fee of $995) is added to principal loan amount and not paid upfront, amount shown is the minimum $395.

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 27 November 2020. 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

  • 13.49% p.a.to 14.99% p.a. fixed

  • 14.96% p.a.to 16.48% p.a.based on $10,000
    over 3 years

Fees
  • $395.00

  • $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. 3% application fee added to principal amount of loan.

  • Establishment fee from 4.50% (with maximum fee of $995) is added to principal loan amount and not paid upfront, amount shown is the minimum $395.

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 27 November 2020. 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

  • 14.99% p.a.to 20.49% p.a. fixed

  • 18.48% p.a.to 22.85% p.a.based on $10,000
    over 3 years

Fees
  • $395.00

  • $0.00

  • $35.00

  • $0.00

  • $0.00

Other financial bits
  • $5,000.00

  • $50,000.00

  • 2 Years

  • 3 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. 3% application fee added to principal amount of loan.

  • Establishment fee from 5.00% (with maximum fee of $995) is added to principal loan amount and not paid upfront, amount shown is the minimum $395.

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 27 November 2020. 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

  • 17.49% p.a.to 20.49% p.a. fixed

  • 18.48% p.a.to 22.85% p.a.based on $10,000
    over 3 years

Fees
  • $395.00

  • $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. 3% application fee added to principal amount of loan.

  • Establishment fee from 5.00% (with maximum fee of $995) is added to principal loan amount and not paid upfront, amount shown is the minimum $395.

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
5.8/10
Price
6.2/10
Features
3.0/10
Customer service
5.3/10
Convenience
5.0/10
Trust
5.3/10

Latest reviews of SocietyOne Unsecured Personal Loan (Fixed)

  • Overall 10/10
    Great, reliable debt consolidation.

    SocietyOne is very reliable and a great bank to consolidate your debts. Highly recommended.

    Read full review

    SocietyOne is very reliable and a great bank to consolidate your debts. Highly recommended.

    Price
    10/10
    Features
    0/10
    Customer service
    10/10
    Convenience
    -1/10
    Trust
    10/10
    Less
    Marguerite, Victoria reviewed 8 months ago
  • Overall 0/10
    A BIG mistake and terrible service buyer BEWARE

    Provide inaccurate information. Give you the worst possible rate even if you have a perfect credit score so they can scam more money out of you. Zero customer service. Zero accountability. Had to open this account just to let you know how SHADY this deal is.

    Read full review

    Provide inaccurate information. Give you the worst possible rate even if you have a perfect credit score so they can scam more money out of you. Zero customer service. Zero accountability. Had to open this account just to let you know how SHADY this deal is.

    Price
    1/10
    Features
    1/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10
    Less
    Mozo community reviewer, South Australia reviewed about 7 years ago
SocietyOne

SocietyOne

Car Loan - Excellent Credit (Fixed)

6.99% p.a.to 14.99% p.a.

9.00% p.a.

$0.00

NOW Finance

NOW Finance

Unsecured Personal Loan

6.95% p.a.to 17.95% p.a.

6.95% p.a.to 17.95% p.a.based on $30,000
over 5 years

OurMoneyMarket

OurMoneyMarket

Low Rate Personal Loan

6.75% p.a.to 8.48% p.a.

6.96% p.a.to 8.69% p.a.based on $30,000
over 5 years

Symple Loans

Symple Loans

Personal Loan

5.75% p.a.to 21.99% p.a.

6.47% p.a.to 25.11% p.a.based on $30,000
over 5 years

Alex

Alex

Personal Loan

6.95% p.a.to 19.99% p.a.

6.95% p.a.to 19.99% p.a.based on $30,000
over 5 years

SocietyOne

SocietyOne

Unsecured Personal Loan (Fixed)

6.99% p.a.to 9.49% p.a.

6.99% p.a.to 12.2% p.a.based on $10,000
over 3 years

Wisr

Wisr

Unsecured Personal Loan

7.95% p.a.to 19.45% p.a.

8.22% p.a.to 19.76% p.a.based on $30,000
over 5 years

Liberty

Liberty

Personal Loan

6.45% p.a.to 26.99% p.a.

6.45% p.a.to 26.99% p.a.based on $30,000
over 5 years

CUA

CUA

Unsecured Personal Loan (Fixed)

9.39% p.a.

9.64% p.a.based on $30,000
over 5 years

Plenti

Plenti

New Car Loan (Fixed)

4.89% p.a.to 8.89% p.a.

5.44% p.a.to 9.46% p.a.based on $30,000
over 5 years

OurMoneyMarket

OurMoneyMarket

Car Loan

5.50% p.a.

5.85% p.a.based on $30,000
over 5 years

Wisr

Wisr

Secured Car Loan

5.19% p.a.to 18.95% p.a.

5.46% p.a.to 19.26% p.a.based on $30,000
over 5 years

Heritage Bank

Heritage Bank

Car Loan

4.89% p.a.

5.53% p.a.based on $30,000
over 5 years

loans.com.au

loans.com.au

New Car Loan (Fixed)

4.67% p.a.

5.22% p.a.based on $30,000
over 5 years

P&N Bank

P&N Bank

Secured Personal Loan

6.81% p.a.

7.80% p.a.based on $30,000
over 5 years

CUA

CUA

Secured Car Loan (Fixed)

6.79% p.a.

7.16% p.a.based on $30,000
over 5 years

loans.com.au

loans.com.au

Clean Green Car Loan

3.97% p.a.

4.51% p.a.based on $30,000
over 5 years

NOW Finance

NOW Finance

Unsecured Personal Loan

6.95% p.a.to 17.95% p.a.

6.95% p.a.to 17.95% p.a.based on $30,000
over 5 years

Alex

Alex

Personal Loan

6.95% p.a.to 19.99% p.a.

6.95% p.a.to 19.99% p.a.based on $30,000
over 5 years

SocietyOne

SocietyOne

Unsecured Personal Loan (Fixed)

6.99% p.a.to 9.49% p.a.

6.99% p.a.to 12.2% p.a.based on $10,000
over 3 years

OurMoneyMarket

OurMoneyMarket

Low Rate Personal Loan

6.75% p.a.to 8.48% p.a.

6.96% p.a.to 8.69% p.a.based on $30,000
over 5 years

Liberty

Liberty

Personal Loan

6.45% p.a.to 26.99% p.a.

6.45% p.a.to 26.99% p.a.based on $30,000
over 5 years

CUA

CUA

Unsecured Personal Loan (Fixed)

9.39% p.a.

9.64% p.a.based on $30,000
over 5 years

Symple Loans

Symple Loans

Personal Loan

5.75% p.a.to 21.99% p.a.

6.47% p.a.to 25.11% p.a.based on $30,000
over 5 years

Wisr

Wisr

Unsecured Personal Loan

7.95% p.a.to 19.45% p.a.

8.22% p.a.to 19.76% p.a.based on $30,000
over 5 years

NOW Finance

NOW Finance

Unsecured Personal Loan

6.95% p.a.to 17.95% p.a.

6.95% p.a.

$0.00

Alex

Alex

Personal Loan

6.95% p.a.to 19.99% p.a.

6.95% p.a.

$0.00

OurMoneyMarket

OurMoneyMarket

Low Rate Personal Loan

6.75% p.a.to 8.48% p.a.

6.96% p.a.

$0.00

Liberty

Liberty

Personal Loan

6.45% p.a.to 26.99% p.a.

6.45% p.a.

$0.00

Symple Loans

Symple Loans

Personal Loan

5.75% p.a.to 21.99% p.a.

6.47% p.a.

$10.00

MoneyPlace

MoneyPlace

Unsecured Personal Loan (Fixed)

6.45% p.a.to 26.99% p.a.

6.45% p.a.

$0.00

P&N Bank

P&N Bank

Secured Personal Loan

6.81% p.a.

7.80% p.a.

$10.00

Plenti

Plenti

New Car Loan (Fixed)

4.89% p.a.to 8.89% p.a.

5.44% p.a.

$0.00