SocietyOne Unsecured Personal Loan (Broker)
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.
- From
- 8.49%
- Fixed
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed 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. | 8.49% | — | — |
| Fixed 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. | 13.49% | — | — |
| Fixed 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. | 16.99% | — | — |
| Fixed 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. | 20.89% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment fee (Tier 1) One-off establishment fee of $50 for applicants assessed as credit Tier 1 (best credit). | Upfront | $50.00 |
| Establishment fee (Tier 2) One-off establishment fee of $495 for applicants assessed as credit Tier 2. | Upfront | $495.00 |
| Establishment fee (Tier 3-4) One-off establishment fee of $595 for applicants assessed as credit Tier 3 or Tier 4. | Upfront | $595.00 |
| 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 onlyAvailable to natural persons only; not available to businesses or other entities.
- Minimum age — 18 yearsApplicants must be at least 18 years of age.
- Residency status — Australian citizen or permanent residentApplicants must be an Australian citizen or permanent resident.
- Employment status — Must be currently employedApplicants must be currently employed with a regular income.
- Minimum income — $30,000.00 p.a.Minimum gross annual income of $30,000.
- Applications for this product are accepted through accredited brokers only.
Constraints
- Minimum limit — $5,000.00Minimum loan amount of $5,000.
- Maximum limit — $70,000.00Maximum loan amount of $70,000.
- Loan terms of 2 years (P2Y), 3 years (P3Y), 5 years (P5Y) or 7 years (P7Y).
More Information
Published by SocietyOne under the Consumer Data Right · Last updated 10 July 2026 · Product ID societyone-unsecured-fixed-broker · View Source Data (JSON)