SocietyOneSocietyOne Secured Personal Loan (Direct)
Secured fixed-rate personal loan from $5,000 to $70,000 over terms of 2, 3, 5 or 7 years, applied for directly with SocietyOne. Asset collateral is required. Rates are personalised to your Equifax OneScore credit band and chosen loan term, determined at application time via SocietyOne's credit assessment.
At a glance
- Pricing
- Rates on application
- Fixed
- 6.99%, 7.06% comparison
- Loan size
- $5,000 to $70,000
- Upfront fee
- $50
Rates
Every rate SocietyOne publishes for this personal loan, 39 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedCredit band AA1 (Equifax OneScore 875-2000). Fixed rate of 6.99% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at app… | P&I | 3 yrs fixed | - | 6.99% | 7.06% | - |
| FixedCredit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 11.24% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at… | P&I | 3 yrs fixed | - | 11.24% | - | - |
| FixedCredit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 12.74% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at… | P&I | 3 yrs fixed | - | 12.74% | - | - |
| FixedCredit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 13.24% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at… | P&I | 3 yrs fixed | - | 13.24% | - | - |
| FixedCredit band A1 (Equifax OneScore 687-711.99). Fixed rate of 14.14% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 3 yrs fixed | - | 14.14% | - | - |
| FixedCredit band A2 (Equifax OneScore 662-686.99). Fixed rate of 14.64% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 3 yrs fixed | - | 14.64% | - | - |
| FixedCredit band A3 (Equifax OneScore 626-661.99). Fixed rate of 15.14% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 3 yrs fixed | - | 15.14% | - | - |
| FixedCredit band B1 (Equifax OneScore 601-625.99). Fixed rate of 16.29% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 3 yrs fixed | - | 16.29% | - | - |
| FixedCredit band B2 (Equifax OneScore 578-600.99). Fixed rate of 16.79% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 3 yrs fixed | - | 16.79% | - | - |
| FixedCredit band B3 (Equifax OneScore 558-577.99). Fixed rate of 17.79% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 3 yrs fixed | - | 17.79% | - | - |
| FixedCredit band B4 (Equifax OneScore 539-557.99). Fixed rate of 18.79% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 3 yrs fixed | - | 18.79% | - | - |
| FixedCredit band C1 (Equifax OneScore 500-538.99). Fixed rate of 19.39% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 3 yrs fixed | - | 19.39% | - | - |
| FixedCredit band C2 (Equifax OneScore 488-499.99). Fixed rate of 20.89% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 3 yrs fixed | - | 20.89% | - | - |
| FixedCredit band C3 (Equifax OneScore 464-487.99). Fixed rate of 21.89% p.a. for a loan term of 2 to 3 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 3 yrs fixed | - | 21.89% | - | - |
| FixedCredit band AA1 (Equifax OneScore 875-2000). Fixed rate of 6.99% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applicat… | P&I | 5 yrs fixed | - | 6.99% | 7.06% | - |
| FixedCredit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 12.74% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at appli… | P&I | 5 yrs fixed | - | 12.74% | - | - |
| FixedCredit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 14.24% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at appli… | P&I | 5 yrs fixed | - | 14.24% | - | - |
| FixedCredit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 14.74% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at appli… | P&I | 5 yrs fixed | - | 14.74% | - | - |
| FixedCredit band A1 (Equifax OneScore 687-711.99). Fixed rate of 15.84% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 5 yrs fixed | - | 15.84% | - | - |
| FixedCredit band A2 (Equifax OneScore 662-686.99). Fixed rate of 16.34% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 5 yrs fixed | - | 16.34% | - | - |
| FixedCredit band A3 (Equifax OneScore 626-661.99). Fixed rate of 16.84% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 5 yrs fixed | - | 16.84% | - | - |
| FixedCredit band B1 (Equifax OneScore 601-625.99). Fixed rate of 18.29% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 5 yrs fixed | - | 18.29% | - | - |
| FixedCredit band B2 (Equifax OneScore 578-600.99). Fixed rate of 18.79% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 5 yrs fixed | - | 18.79% | - | - |
| FixedCredit band B3 (Equifax OneScore 558-577.99). Fixed rate of 19.79% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 5 yrs fixed | - | 19.79% | - | - |
| FixedCredit band B4 (Equifax OneScore 539-557.99). Fixed rate of 20.79% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 5 yrs fixed | - | 20.79% | - | - |
| FixedCredit band C1 (Equifax OneScore 500-538.99). Fixed rate of 22.39% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 5 yrs fixed | - | 22.39% | - | - |
| FixedCredit band C2 (Equifax OneScore 488-499.99). Fixed rate of 23.89% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 5 yrs fixed | - | 23.89% | - | - |
| FixedCredit band C3 (Equifax OneScore 464-487.99). Fixed rate of 23.89% p.a. for a loan term of 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 5 yrs fixed | - | 23.89% | - | - |
| FixedCredit band AA1 (Equifax OneScore 875-2000). Fixed rate of 7.99% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applicat… | P&I | 7 yrs fixed | - | 7.99% | - | - |
| FixedCredit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 13.74% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at appli… | P&I | 7 yrs fixed | - | 13.74% | - | - |
| FixedCredit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 15.24% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at appli… | P&I | 7 yrs fixed | - | 15.24% | - | - |
| FixedCredit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 15.74% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at appli… | P&I | 7 yrs fixed | - | 15.74% | - | - |
| FixedCredit band A1 (Equifax OneScore 687-711.99). Fixed rate of 16.84% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 16.84% | - | - |
| FixedCredit band A2 (Equifax OneScore 662-686.99). Fixed rate of 17.34% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 17.34% | - | - |
| FixedCredit band A3 (Equifax OneScore 626-661.99). Fixed rate of 17.84% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 17.84% | - | - |
| FixedCredit band B1 (Equifax OneScore 601-625.99). Fixed rate of 19.29% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 19.29% | - | - |
| FixedCredit band B2 (Equifax OneScore 578-600.99). Fixed rate of 19.79% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 19.79% | - | - |
| FixedCredit band B3 (Equifax OneScore 558-577.99). Fixed rate of 20.79% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 20.79% | - | - |
| FixedCredit band B4 (Equifax OneScore 539-557.99). Fixed rate of 21.79% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 21.79% | - | - |
Fees
5 fees published, grouped by when they're charged.
When you take it out3
- Establishment fee (credit band AA1)
One-off establishment fee of $50 for applicants assessed in credit band AA1 (Equifax OneScore 875-2000).
$50 - Establishment fee (credit bands AA4 to AA2)
One-off establishment fee of $545 for applicants assessed in credit bands AA4 to AA2 (Equifax OneScore 712-874.99).
$545 - Establishment fee (credit bands C3 to A1)
One-off establishment fee of $645 for applicants assessed in credit bands C3 to A1 (Equifax OneScore 464-711.99).
$645
When particular things happen2
- Dishonour fee
Charged when a repayment is dishonoured.
$15 - Late payment fee
Charged when a repayment is not received by the due date.
$35
Features
Extra repaymentsInstant paymentsDigital banking
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or permanent resident
- Employment: Must be currently employed
- Minimum income $30,000
- Available to individuals
- Amount $5,000 to $70,000
- Asset collateral is required. The asset must meet SocietyOne's collateral eligibility criteria.
- Loan terms of 2 years (P2Y), 3 years (P3Y), 5 years (P5Y) or 7 years (P7Y). The loan must be secured by an eligible asset.
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Published by SocietyOne under the Consumer Data Right, last changed by them on 7 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.