--- title: "SocietyOne Secured Personal Loan (Broker) — SocietyOne" description: "Personal Loans from SocietyOne. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/societyone/products/societyone-secured-fixed-broker source: "CDR Compare" language: en-AU last_updated: 2026-09-07T05:00:00Z --- # SocietyOne Secured Personal Loan (Broker) — SocietyOne > Personal Loans from SocietyOne. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Personal Loans · Negotiable rates** Secured fixed-rate personal loan from $5,000 to $70,000 over terms of 2, 3, 5 or 7 years, available through accredited brokers. 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 - **From:** 7.49% (Fixed) ## Apply Applications are handled by the provider: [Apply at SocietyOne](https://societyone.com.au/broker) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed (Credit band AA1 (Equifax OneScore 875-2000). Fixed rate of 7.49% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 7.49% | — | Loan term 24–60 months | | Fixed · 7 years (Credit band AA1 (Equifax OneScore 875-2000). Fixed rate of 8.49% 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 application time via your Equifax OneScore.) | 8.49% | — | Loan term 84 months | | Fixed (Credit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 9.24% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 9.24% | — | Loan term 24–60 months | | Fixed · 7 years (Credit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 10.24% 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 application time via your Equifax OneScore.) | 10.24% | — | Loan term 84 months | | Fixed (Credit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 10.74% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 10.74% | — | Loan term 24–60 months | | Fixed (Credit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 11.24% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 11.24% | — | Loan term 24–60 months | | Fixed · 7 years (Credit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 11.74% 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 application time via your Equifax OneScore.) | 11.74% | — | Loan term 84 months | | Fixed · 7 years (Credit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 12.24% 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 application time via your Equifax OneScore.) | 12.24% | — | Loan term 84 months | | Fixed (Credit band A1 (Equifax OneScore 687-711.99). Fixed rate of 12.49% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 12.49% | — | Loan term 24–60 months | | Fixed · 7 years (Credit band A1 (Equifax OneScore 687-711.99). Fixed rate of 13.49% 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 application time via your Equifax OneScore.) | 13.49% | — | Loan term 84 months | | Fixed (Credit band A2 (Equifax OneScore 662-686.99). Fixed rate of 13.64% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 13.64% | — | Loan term 24–60 months | | Fixed (Credit band A3 (Equifax OneScore 626-661.99). Fixed rate of 14.64% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 14.64% | — | Loan term 24–60 months | | Fixed · 7 years (Credit band A2 (Equifax OneScore 662-686.99). Fixed rate of 14.64% 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 application time via your Equifax OneScore.) | 14.64% | — | Loan term 84 months | | Fixed · 7 years (Credit band A3 (Equifax OneScore 626-661.99). Fixed rate of 15.64% 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 application time via your Equifax OneScore.) | 15.64% | — | Loan term 84 months | | Fixed (Credit band B1 (Equifax OneScore 601-625.99). Fixed rate of 15.99% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 15.99% | — | Loan term 24–60 months | | Fixed (Credit band B2 (Equifax OneScore 578-600.99). Fixed rate of 16.79% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 16.79% | — | Loan term 24–60 months | | Fixed · 7 years (Credit band B1 (Equifax OneScore 601-625.99). Fixed rate of 16.99% 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 application time via your Equifax OneScore.) | 16.99% | — | Loan term 84 months | | Fixed (Credit band B3 (Equifax OneScore 558-577.99). Fixed rate of 17.79% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 17.79% | — | Loan term 24–60 months | | Fixed · 7 years (Credit band B2 (Equifax OneScore 578-600.99). Fixed rate of 17.79% 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 application time via your Equifax OneScore.) | 17.79% | — | Loan term 84 months | | Fixed (Credit band B4 (Equifax OneScore 539-557.99). Fixed rate of 18.79% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 18.79% | — | Loan term 24–60 months | | Fixed · 7 years (Credit band B3 (Equifax OneScore 558-577.99). Fixed rate of 18.79% 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 application time via your Equifax OneScore.) | 18.79% | — | Loan term 84 months | | Fixed · 7 years (Credit band B4 (Equifax OneScore 539-557.99). 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 application time via your Equifax OneScore.) | 19.79% | — | Loan term 84 months | | Fixed (Credit band C1 (Equifax OneScore 500-538.99). Fixed rate of 19.89% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 19.89% | — | Loan term 24–60 months | | Fixed · 7 years (Credit band C1 (Equifax OneScore 500-538.99). Fixed rate of 20.89% 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 application time via your Equifax OneScore.) | 20.89% | — | Loan term 84 months | | Fixed (Credit band C2 (Equifax OneScore 488-499.99). Fixed rate of 21.39% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 21.39% | — | Loan term 24–60 months | | Fixed (Credit band C3 (Equifax OneScore 464-487.99). Fixed rate of 22.39% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at application time via your Equifax OneScore.) | 22.39% | — | Loan term 24–60 months | | Fixed · 7 years (Credit band C2 (Equifax OneScore 488-499.99). Fixed rate of 22.39% 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 application time via your Equifax OneScore.) | 22.39% | — | Loan term 84 months | | Fixed · 7 years (Credit band C3 (Equifax OneScore 464-487.99). Fixed rate of 23.39% 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 application time via your Equifax OneScore.) | 23.39% | — | Loan term 84 months | ## Fees | Fee | Type | Amount | | --- | --- | --- | | 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). | Upfront | $645.00 | | 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). | Upfront | $545.00 | | Establishment fee (credit band AA1) — One-off establishment fee of $50 for applicants assessed in credit band AA1 (Equifax OneScore 875-2000). | Upfront | $50.00 | | Dishonour fee — Charged when a repayment is dishonoured. | Event | $15.00 | | Late payment fee — Charged when a repayment is not received by the due date. | Event | $35.00 | | Broker fee — 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. | Upfront | Variable | ## Features - **Extra repayments** (Additional repayments may be made at any time without penalty. No early repayment fee applies.) - **Digital banking** (Loan is managed entirely online via the SocietyOne dashboard.) - **Real-time payments (NPP)** (Funds are disbursed via the New Payments Platform where available.) ## Eligibility - **Individuals only** (Available to natural persons only; not available to businesses or other entities.) - **Minimum age** — 18 years (Applicants must be at least 18 years of age.) - **Residency status** — Australian citizen or permanent resident (Applicants must be an Australian citizen or permanent resident.) - **Employment status** — Must be currently employed (Applicants must be currently employed with a regular income.) - **Minimum income** — $30,000.00 p.a. (Minimum gross annual income of $30,000.) - **Asset collateral is required. The asset must meet SocietyOne's collateral eligibility criteria.** - **Applications for this product are accepted through accredited brokers only.** ## Constraints - **Minimum limit** — $5,000.00 (Minimum loan amount of $5,000.) - **Maximum limit** — $70,000.00 (Maximum loan amount of $70,000.) - **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.** ## More information from SocietyOne - [Overview](https://societyone.com.au/personal-loan) - [Terms & conditions](https://content.societyone.com.au/policies/Credit+Guide.pdf) - [Eligibility](https://societyone.com.au/pce-loan-eligibility-calculator-australia) - [Fees & pricing](https://societyone.com.au/marketplace/rates-and-fees) ## Data provenance - Published by SocietyOne under the Consumer Data Right - Product ID: `societyone-secured-fixed-broker` - Last updated by the provider: 7 September 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/societyone/societyone-secured-fixed-broker - Provider page: https://www.cdrcompare.au/brands/societyone --- Source: [CDR Compare](https://www.cdrcompare.au/brands/societyone/products/societyone-secured-fixed-broker) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. 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