SocietyOne
SocietyOne Secured Personal Loan (Direct)
SocietyOne · pers loans
Provider last updated this product 2026-09-07.
Go to provider
You'll complete your application on
SocietyOne's website. Confirm the rate and fees with them
before applying.
Secured fixed-rate personal loan from $5,000 to $70,000 over terms of 2, 3, 5 or 7 years, applied for directly with SocietyOne. 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.
As published by the lender
- Security - Secured
- Headline rates - from 6.99% to 23.89%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| FIXED | 21.89% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band C3 (Equifax OneScore 464-487.99). Fixed rate of 21.89% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 23.89% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band C3 (Equifax OneScore 464-487.99). Fixed rate of 23.89% p.a. for a loan term of 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. | |||||||
| FIXED | 20.89% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band C2 (Equifax OneScore 488-499.99). Fixed rate of 20.89% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 23.89% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band C2 (Equifax OneScore 488-499.99). Fixed rate of 23.89% p.a. for a loan term of 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. | |||||||
| FIXED | 19.39% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band C1 (Equifax OneScore 500-538.99). Fixed rate of 19.39% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 22.39% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band C1 (Equifax OneScore 500-538.99). Fixed rate of 22.39% p.a. for a loan term of 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. | |||||||
| FIXED | 18.79% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band B4 (Equifax OneScore 539-557.99). Fixed rate of 18.79% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 20.79% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band B4 (Equifax OneScore 539-557.99). Fixed rate of 20.79% p.a. for a loan term of 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. | |||||||
| FIXED | 21.79% | - | OTHER | PRINCIPAL AND INTEREST | 84 months | 84 - 84 months | calculated daily, paid monthly |
| Credit band B4 (Equifax OneScore 539-557.99). Fixed rate of 21.79% 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. | |||||||
| FIXED | 17.79% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band B3 (Equifax OneScore 558-577.99). Fixed rate of 17.79% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 19.79% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band B3 (Equifax OneScore 558-577.99). Fixed rate of 19.79% p.a. for a loan term of 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. | |||||||
| FIXED | 20.79% | - | OTHER | PRINCIPAL AND INTEREST | 84 months | 84 - 84 months | calculated daily, paid monthly |
| Credit band B3 (Equifax OneScore 558-577.99). Fixed rate of 20.79% 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. | |||||||
| FIXED | 16.79% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band B2 (Equifax OneScore 578-600.99). Fixed rate of 16.79% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 18.79% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band B2 (Equifax OneScore 578-600.99). Fixed rate of 18.79% p.a. for a loan term of 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. | |||||||
| FIXED | 19.79% | - | OTHER | PRINCIPAL AND INTEREST | 84 months | 84 - 84 months | calculated daily, paid monthly |
| Credit band B2 (Equifax OneScore 578-600.99). 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. | |||||||
| FIXED | 16.29% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band B1 (Equifax OneScore 601-625.99). Fixed rate of 16.29% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 18.29% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band B1 (Equifax OneScore 601-625.99). Fixed rate of 18.29% p.a. for a loan term of 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. | |||||||
| FIXED | 19.29% | - | OTHER | PRINCIPAL AND INTEREST | 84 months | 84 - 84 months | calculated daily, paid monthly |
| Credit band B1 (Equifax OneScore 601-625.99). Fixed rate of 19.29% 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. | |||||||
| FIXED | 15.14% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band A3 (Equifax OneScore 626-661.99). Fixed rate of 15.14% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 16.84% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band A3 (Equifax OneScore 626-661.99). Fixed rate of 16.84% p.a. for a loan term of 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. | |||||||
| FIXED | 17.84% | - | OTHER | PRINCIPAL AND INTEREST | 84 months | 84 - 84 months | calculated daily, paid monthly |
| Credit band A3 (Equifax OneScore 626-661.99). Fixed rate of 17.84% 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. | |||||||
| FIXED | 14.64% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band A2 (Equifax OneScore 662-686.99). Fixed rate of 14.64% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 16.34% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band A2 (Equifax OneScore 662-686.99). Fixed rate of 16.34% p.a. for a loan term of 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. | |||||||
| FIXED | 17.34% | - | OTHER | PRINCIPAL AND INTEREST | 84 months | 84 - 84 months | calculated daily, paid monthly |
| Credit band A2 (Equifax OneScore 662-686.99). Fixed rate of 17.34% 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. | |||||||
| FIXED | 14.14% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band A1 (Equifax OneScore 687-711.99). Fixed rate of 14.14% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 15.84% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band A1 (Equifax OneScore 687-711.99). Fixed rate of 15.84% p.a. for a loan term of 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. | |||||||
| FIXED | 16.84% | - | OTHER | PRINCIPAL AND INTEREST | 84 months | 84 - 84 months | calculated daily, paid monthly |
| Credit band A1 (Equifax OneScore 687-711.99). Fixed rate of 16.84% 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. | |||||||
| FIXED | 13.24% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 13.24% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 14.74% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 14.74% p.a. for a loan term of 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. | |||||||
| FIXED | 15.74% | - | OTHER | PRINCIPAL AND INTEREST | 84 months | 84 - 84 months | calculated daily, paid monthly |
| Credit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 15.74% 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. | |||||||
| FIXED | 12.74% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 12.74% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 14.24% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 14.24% p.a. for a loan term of 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. | |||||||
| FIXED | 15.24% | - | OTHER | PRINCIPAL AND INTEREST | 84 months | 84 - 84 months | calculated daily, paid monthly |
| Credit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 15.24% 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. | |||||||
| FIXED | 11.24% | - | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 11.24% p.a. for a loan term of 2 to 3 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. | |||||||
| FIXED | 12.74% | - | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 12.74% p.a. for a loan term of 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. | |||||||
| FIXED | 13.74% | - | OTHER | PRINCIPAL AND INTEREST | 84 months | 84 - 84 months | calculated daily, paid monthly |
| Credit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 13.74% 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. | |||||||
| FIXED | 6.99% | 7.06% | OTHER | PRINCIPAL AND INTEREST | - | 24 - 36 months | calculated daily, paid monthly |
| Credit band AA1 (Equifax OneScore 875-2000). Fixed rate of 6.99% p.a. for a loan term of 2 to 3 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. The advertised comparison rate of 7.06% p.a. corresponds to this rate; see the SocietyOne rates page for the calculation basis and comparison rate warning. | |||||||
| FIXED | 6.99% | 7.06% | OTHER | PRINCIPAL AND INTEREST | 60 months | 60 - 60 months | calculated daily, paid monthly |
| Credit band AA1 (Equifax OneScore 875-2000). Fixed rate of 6.99% p.a. for a loan term of 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. The advertised comparison rate of 7.06% p.a. corresponds to this rate; see the SocietyOne rates page for the calculation basis and comparison rate warning. | |||||||
| FIXED | 7.99% | - | OTHER | PRINCIPAL AND INTEREST | 84 months | 84 - 84 months | calculated daily, paid monthly |
| Credit band AA1 (Equifax OneScore 875-2000). Fixed rate of 7.99% 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. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Establishment fee (credit bands C3 to A1) | UPFRONT | $645 | One-off establishment fee of $645 for applicants assessed in credit bands C3 to A1 (Equifax OneScore 464-711.99). |
| Establishment fee (credit bands AA4 to AA2) | UPFRONT | $545 | One-off establishment fee of $545 for applicants assessed in credit bands AA4 to AA2 (Equifax OneScore 712-874.99). |
| Establishment fee (credit band AA1) | UPFRONT | $50 | One-off establishment fee of $50 for applicants assessed in credit band AA1 (Equifax OneScore 875-2000). |
| Dishonour fee | EVENT | $15 | Charged when a repayment is dishonoured. |
| Late payment fee | EVENT | $35 | Charged when a repayment is not received by the due date. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 6.99% | 7.06% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- natural personAvailable to natural persons only; not available to businesses or other entities.
- min age - 18Applicants 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.
- min income - 30000.00Minimum gross annual income of $30,000.
- otherAsset collateral is required. The asset must meet SocietyOne's collateral eligibility criteria.
Limits
- min limit - 5000.00Minimum loan amount of $5,000.
- max limit - 70000.00Maximum loan amount of $70,000.
- otherLoan terms of 2 years (P2Y), 3 years (P3Y), 5 years (P5Y) or 7 years (P7Y). The loan must be secured by an eligible asset.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-07T05:00:00Z · Product ID: societyone-secured-fixed-direct