SocietyOneSocietyOne Unsecured Personal Loan (Direct)
Unsecured fixed-rate personal loan from $5,000 to $70,000 over terms of 2, 3, 5 or 7 years, applied for directly with SocietyOne. 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
- 7.99%
- Loan size
- $5,000 to $70,000
- Upfront fee
- $495
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 7.99% 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 | - | 7.99% | - | - |
| FixedCredit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 12.24% 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 | - | 12.24% | - | - |
| FixedCredit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 13.74% 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 | - | 13.74% | - | - |
| FixedCredit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 14.24% 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 | - | 14.24% | - | - |
| FixedCredit band A1 (Equifax OneScore 687-711.99). 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 A2 (Equifax OneScore 662-686.99). Fixed rate of 15.64% 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 | - | 15.64% | - | - |
| FixedCredit band A3 (Equifax OneScore 626-661.99). Fixed rate of 16.14% 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 | - | 16.14% | - | - |
| FixedCredit band B1 (Equifax OneScore 601-625.99). Fixed rate of 17.29% 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 | - | 17.29% | - | - |
| FixedCredit band B2 (Equifax OneScore 578-600.99). 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 B3 (Equifax OneScore 558-577.99). 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 B4 (Equifax OneScore 539-557.99). Fixed rate of 19.79% 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 | - | 19.79% | - | - |
| FixedCredit band C1 (Equifax OneScore 500-538.99). Fixed rate of 20.39% 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 | - | 20.39% | - | - |
| FixedCredit band C2 (Equifax OneScore 488-499.99). 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 C3 (Equifax OneScore 464-487.99). Fixed rate of 22.89% 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 | - | 22.89% | - | - |
| FixedCredit band AA1 (Equifax OneScore 875-2000). Fixed rate of 7.99% 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 | - | 7.99% | - | - |
| FixedCredit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 13.74% 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 | - | 13.74% | - | - |
| FixedCredit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 15.24% 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 | - | 15.24% | - | - |
| FixedCredit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 15.74% 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 | - | 15.74% | - | - |
| FixedCredit band A1 (Equifax OneScore 687-711.99). 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 A2 (Equifax OneScore 662-686.99). Fixed rate of 17.34% 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 | - | 17.34% | - | - |
| FixedCredit band A3 (Equifax OneScore 626-661.99). Fixed rate of 17.84% 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 | - | 17.84% | - | - |
| FixedCredit band B1 (Equifax OneScore 601-625.99). Fixed rate of 19.29% 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 | - | 19.29% | - | - |
| FixedCredit band B2 (Equifax OneScore 578-600.99). 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 B3 (Equifax OneScore 558-577.99). 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 B4 (Equifax OneScore 539-557.99). Fixed rate of 21.79% 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 | - | 21.79% | - | - |
| FixedCredit band C1 (Equifax OneScore 500-538.99). Fixed rate of 23.39% 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 | - | 23.39% | - | - |
| FixedCredit band C2 (Equifax OneScore 488-499.99). Fixed rate of 24.89% 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 | - | 24.89% | 25.88% | - |
| FixedCredit band C3 (Equifax OneScore 464-487.99). Fixed rate of 24.89% 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 | - | 24.89% | 25.88% | - |
| FixedCredit band AA1 (Equifax OneScore 875-2000). Fixed rate of 8.99% 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 | - | 8.99% | - | - |
| FixedCredit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 14.74% 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 | - | 14.74% | - | - |
| FixedCredit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 16.24% 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 | - | 16.24% | - | - |
| FixedCredit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 16.74% 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 | - | 16.74% | - | - |
| FixedCredit band A1 (Equifax OneScore 687-711.99). 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 A2 (Equifax OneScore 662-686.99). Fixed rate of 18.34% 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 | - | 18.34% | - | - |
| FixedCredit band A3 (Equifax OneScore 626-661.99). Fixed rate of 18.84% 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 | - | 18.84% | - | - |
| FixedCredit band B1 (Equifax OneScore 601-625.99). Fixed rate of 20.29% 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 | - | 20.29% | - | - |
| FixedCredit band B2 (Equifax OneScore 578-600.99). 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 B3 (Equifax OneScore 558-577.99). 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% | - | - |
| FixedCredit band B4 (Equifax OneScore 539-557.99). Fixed rate of 22.79% 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 | - | 22.79% | - | - |
Fees
4 fees published, grouped by when they're charged.
When you take it out2
- Establishment fee (credit bands AA4 to AA2)
One-off establishment fee of $495 for applicants assessed in credit bands AA4 to AA2 (Equifax OneScore 712-874.99). No establishment fee applies to credit band AA1 (Equifax OneScore 875-2000).
$495 - Establishment fee (credit bands C3 to A1)
One-off establishment fee of $595 for applicants assessed in credit bands C3 to A1 (Equifax OneScore 464-711.99).
$595
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
- Applicants must meet SocietyOne's minimum credit tier eligibility, determined at application time via SocietyOne's credit assessment.
- Loan terms of 2 years (P2Y), 3 years (P3Y), 5 years (P5Y) or 7 years (P7Y).
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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.