SocietyOne review
Personal
Best suited for borrowers with a strong credit profile chasing tier-priced fixed rates with no monthly or early repayment fees
Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. See our Credit Guide.
Advertised rates
6.99% - 24.89% p.a. fixed, graded Tier 1 - 4, on secured and unsecured loans
Comparison rate 7.06% - 25.88% (basis: $10,000 secured over 3 years)*
Approval speed
Rate in as little as 2 minutes, application around 5 minutes, funds in as little as 1 business day after approval
Credit-profile fit
Tier 1 - 4 grading from credit history, score, employment status and cash flow; the headline rate and $0 establishment fee are reserved for excellent-credit Tier 1 borrowers.
Pros & cons
Pros
- No monthly account fees
- No early repayment fees
- $0 establishment fee possible for Tier 1 borrowers
- 2-minute personalised rate with no credit score impact
- Terms out to 7 years, secured or unsecured
Cons
- Establishment fee up to $495 applies for most borrowers
- Rates reach 24.89% p.a. on lower tiers
- Overdue fees of $35 per fortnight, capped at $210
- Headline comparison rate applies only to Tier 1 secured loans
Key features
- Borrow $5,000 - $70,000 over 2, 3, 5 or 7 years
- Secured and unsecured options, all fixed rate
- Personalised rate in about 2 minutes with no credit score impact
- Tier 1 - 4 risk-graded pricing
- Free credit score tool
- Owned by MoneyMe; loan management now via the MoneyMe app
Fees
- Establishment fee $0 - $495 depending on loan grade
- No monthly fees
- No early repayment fees
- $15 dishonour fee; $35 overdue fee at 14 days and each 14 days after, capped at $210
Frequently asked questions
Who is SocietyOne best suited to?
Based on our review, SocietyOne is best suited for borrowers with a strong credit profile chasing tier-priced fixed rates with no monthly or early repayment fees.
What are SocietyOne's rates?
6.99% - 24.89% p.a. fixed, graded Tier 1 - 4, on secured and unsecured loans. Rates and fees are current as at 30 July 2026 and are subject to change by the lender at any time.
What fees does SocietyOne charge?
Establishment fee $0 - $495 depending on loan grade. No monthly fees. No early repayment fees. $15 dishonour fee; $35 overdue fee at 14 days and each 14 days after, capped at $210.
How fast is SocietyOne's approval?
Rate in as little as 2 minutes, application around 5 minutes, funds in as little as 1 business day after approval.
What credit profile does SocietyOne accept?
Tier 1 - 4 grading from credit history, score, employment status and cash flow; the headline rate and $0 establishment fee are reserved for excellent-credit Tier 1 borrowers.
How do I apply through SocietyOne?
Start a Loanseekers enquiry and we compare SocietyOne against 70+ lenders for your situation. The initial check does not affect your credit score, and our specialists manage the application to settlement.
See if SocietyOne suits your situation
One enquiry compares SocietyOne against 70+ lenders for your exact position. No obligation, no impact on your credit score to enquire.
This is general information only, not personal advice; we have not considered your objectives, financial situation or needs. Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. Approval is subject to lender criteria. See our Credit Guide.
Rates and fees current as at 30 July 2026. Rates and fees are subject to change by the lender at any time.
*The comparison rate is based on the lender's published example and is true only for that example. 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.
Think something on this page is out of date or inaccurate? Tell us via our complaints and disputes page.
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