---
title: "SocietyOne Unsecured Personal Loan (Direct) — 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-unsecured-fixed-direct
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-28T09:52:00Z
---

# SocietyOne Unsecured Personal Loan (Direct) — 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**

Unsecured fixed-rate personal loan from $5,000 to $50,000 over terms of 2, 3, 5 or 7 years, applied for directly with SocietyOne. Rates are personalised to your SocietyOne credit tier, determined at application time via SocietyOne's credit assessment.

## At a glance

- **From:** 7.99% (Fixed)

## Apply

Applications are handled by the provider: [Apply at SocietyOne](https://societyone.com.au/personal-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed (Credit Tier 1 (best credit). Rates for this tier range from 7.99% p.a. (published rate, tier floor) to 16.74% p.a. Your credit tier and actual rate are determined at application time based on SocietyOne's credit assessment.) | 7.99% | — | — |
| Fixed (Credit Tier 2. Rates for this tier range from 15.14% p.a. (published rate, tier floor) to 18.84% p.a. Your credit tier and actual rate are determined at application time based on SocietyOne's credit assessment.) | 15.14% | — | — |
| Fixed (Credit Tier 3. Rates for this tier range from 17.29% p.a. (published rate, tier floor) to 22.79% p.a. Your credit tier and actual rate are determined at application time based on SocietyOne's credit assessment.) | 17.29% | — | — |
| Fixed (Credit Tier 4. Rates for this tier range from 20.39% p.a. (published rate, tier floor) to 24.89% p.a. Your credit tier and actual rate are determined at application time based on SocietyOne's credit assessment.) | 20.39% | — | — |

## 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 |

## 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.)
- **Applicants must meet SocietyOne's minimum credit tier eligibility, determined at application time via SocietyOne's credit assessment.**

## Constraints

- **Minimum limit** — $5,000.00 (Minimum loan amount of $5,000.)
- **Maximum limit** — $50,000.00 (Maximum loan amount of $50,000.)
- **Loan terms of 2 years (P2Y), 3 years (P3Y), 5 years (P5Y) or 7 years (P7Y).**

## 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-unsecured-fixed-direct`
- Last updated by the provider: 28 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/societyone/societyone-unsecured-fixed-direct
- Provider page: https://www.cdrcompare.au/brands/societyone

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/societyone/products/societyone-unsecured-fixed-direct) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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