{
  "source": "https://cdr.moneyme.com.au/societyone/cds-au/v1/banking/products/societyone-unsecured-fixed-broker",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "societyone-unsecured-fixed-broker",
    "lastUpdated": "2026-07-10T08:25:00Z",
    "productCategory": "PERS_LOANS",
    "name": "SocietyOne Unsecured Personal Loan (Broker)",
    "description": "Unsecured fixed-rate personal loan from $5,000 to $70,000 over terms of 2, 3, 5 or 7 years, available through accredited brokers. Rates are personalised to your SocietyOne credit tier, determined at application time via SocietyOne's credit assessment.",
    "brand": "SocietyOne",
    "brandName": "SocietyOne",
    "applicationUri": "https://societyone.com.au/broker",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://societyone.com.au/personal-loan",
      "termsUri": "https://content.societyone.com.au/policies/Credit+Guide.pdf",
      "eligibilityUri": "https://societyone.com.au/pce-loan-eligibility-calculator-australia",
      "feesAndPricingUri": "https://societyone.com.au/marketplace/rates-and-fees"
    },
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional repayments may be made at any time without penalty. No early repayment fee applies."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Loan is managed entirely online via the SocietyOne dashboard."
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Funds are disbursed via the New Payments Platform where available."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00",
        "additionalInfo": "Minimum loan amount of $5,000."
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "70000.00",
        "additionalInfo": "Maximum loan amount of $70,000."
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Loan terms of 2 years (P2Y), 3 years (P3Y), 5 years (P5Y) or 7 years (P7Y)."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available to natural persons only; not available to businesses or other entities."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Applicants must be at least 18 years of age."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent resident",
        "additionalInfo": "Applicants must be an Australian citizen or permanent resident."
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Must be currently employed",
        "additionalInfo": "Applicants must be currently employed with a regular income."
      },
      {
        "eligibilityType": "MIN_INCOME",
        "additionalValue": "30000.00",
        "additionalInfo": "Minimum gross annual income of $30,000."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applications for this product are accepted through accredited brokers only."
      }
    ],
    "fees": [
      {
        "name": "Establishment fee (Tier 1)",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "One-off establishment fee of $50 for applicants assessed as credit Tier 1 (best credit)."
      },
      {
        "name": "Establishment fee (Tier 2)",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "495.00"
        },
        "currency": "AUD",
        "additionalInfo": "One-off establishment fee of $495 for applicants assessed as credit Tier 2."
      },
      {
        "name": "Establishment fee (Tier 3-4)",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "595.00"
        },
        "currency": "AUD",
        "additionalInfo": "One-off establishment fee of $595 for applicants assessed as credit Tier 3 or Tier 4."
      },
      {
        "name": "Dishonour fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a repayment is dishonoured."
      },
      {
        "name": "Late payment fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a repayment is not received by the due date."
      },
      {
        "name": "Broker fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "A broker fee may be charged. The fee is variable, set by your broker, and added to the loan amount. Ask your broker for details before applying."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0849",
        "applicationType": "PERIODIC",
        "loanPurpose": "UNCONSTRAINED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "additionalInfo": "Credit Tier 1 (best credit). Rates for this tier range from 8.49% p.a. (published rate, tier floor) to 13.24% p.a. Your credit tier and actual rate are determined at application time based on SocietyOne's credit assessment."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.1349",
        "applicationType": "PERIODIC",
        "loanPurpose": "UNCONSTRAINED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "additionalInfo": "Credit Tier 2. Rates for this tier range from 13.49% p.a. (published rate, tier floor) to 16.64% p.a. Your credit tier and actual rate are determined at application time based on SocietyOne's credit assessment."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.1699",
        "applicationType": "PERIODIC",
        "loanPurpose": "UNCONSTRAINED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "additionalInfo": "Credit Tier 3. Rates for this tier range from 16.99% p.a. (published rate, tier floor) to 20.79% p.a. Your credit tier and actual rate are determined at application time based on SocietyOne's credit assessment."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.2089",
        "applicationType": "PERIODIC",
        "loanPurpose": "UNCONSTRAINED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "additionalInfo": "Credit Tier 4. Rates for this tier range from 20.89% p.a. (published rate, tier floor) to 24.39% p.a. Your credit tier and actual rate are determined at application time based on SocietyOne's credit assessment."
      }
    ]
  }
}