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Excellent Credit Personal Loan - Fixed Repayments (Unsecured)

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Loan Term

years

Repayment Frequency

Excellent Credit Personal Loan - Fixed Repayments (Unsecured) Pros and Cons

Pros:
  • No ongoing fees
  • No early exit penalty
  • Can apply online
Cons:
  • Application fee charged
  • Cannot apply in branch

SocietyOne Excellent Credit Personal Loan - Fixed Repayments (Unsecured) Fees and Features

New Car
New Car
Used Car
Used Car
Motorcycle
Motorcycle
Boat
Boat
Student Loan
Student Loan
Debt Consolidation
Debt Consolidation
Renovation
Renovation
Shares
Shares
Holidays
Holidays
Medical Bill
Medical Bill
Wedding
Wedding
Upfront Fee
Upfront Fee
3%
of loan amount
Ongoing Fee
Ongoing Fee
$0
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$35
Redraw Activation Fee
Redraw Activation Fee
N/A
Repayment Type
Repayment Type
Fixed
Loan Type
Loan Type
Unsecured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
Available to 457 Visa Holders
Available to 457 Visa Holders
Redraw Facility
Redraw Facility
Extra Repayments
Extra Repayments
Line of Credit
Line of Credit
New Car
New Car
Used Car
Used Car
Motorcycle
Motorcycle
Boat
Boat
Student Loan
Student Loan
Debt Consolidation
Debt Consolidation
Renovation
Renovation
Shares
Shares
Holidays
Holidays
Medical Bill
Medical Bill
Wedding
Wedding
Upfront Fee
Upfront Fee
3%
of loan amount
Ongoing Fee
Ongoing Fee
$0
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$35
Redraw Activation Fee
Redraw Activation Fee
N/A
Repayment Type
Repayment Type
Fixed
Loan Type
Loan Type
Unsecured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
Available to 457 Visa Holders
Available to 457 Visa Holders
Redraw Facility
Redraw Facility
Extra Repayments
Extra Repayments
Line of Credit
Line of Credit
Other Benefits
Investors bid to fund your loan in our loan marketplace, which helps you get the best rate. Receive the funds within 72 hours of accepting an investor's bid.

Compare and review personal loans with similar features

Interest Rates
Advertised Rate
Advertised Rate
9.16%
fixed
Advertised Rate
From
6.99%
fixed
Advertised Rate
From
9.50%
fixed
Advertised Rate
12.99%
fixed
Comparison Rate
Comparison Rate
10.67%*
Comparison Rate
7.69%
Comparison Rate
10.06%
Comparison Rate
14.14%
Monthly Repayment
Monthly Repayment
$625
Monthly Repayment
$594
Monthly Repayment
$630
Monthly Repayment
$682
Total Repayments
Total Repayments
$37,500
Total Repayments
$35,640
Total Repayments
$37,800
Total Repayments
$40,920
Loan amount
Loan amount
$2k to $45k
Loan amount
$5k to $70k
Loan amount
$5k to $50k
Loan amount
$4k to $50k
Loan Fees
Upfront Fee
Upfront Fee
$350
Upfront Fee
$500
Upfront Fee
$150
Upfront Fee
$250
Ongoing Fee
Ongoing Fee
$5 monthly
Ongoing Fee
$0
Ongoing Fee
$5 monthly
Ongoing Fee
$12 monthly
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Early Exit Penalty Fee
$0
Early Exit Penalty Fee
$199
Early Exit Penalty Fee
$175 during first 2 years
Missed Payment Penalty
Missed Payment Penalty
$25
Missed Payment Penalty
$15
Missed Payment Penalty
$0
Missed Payment Penalty
$9
Loan Profile
Available to 457 Visa Holders
Available to 457 Visa Holders
Available to 457 Visa Holders
Available to 457 Visa Holders
Available to 457 Visa Holders
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SocietyOne disrupted the Australian personal loans market in 2012 when it became the first peer-to-peer or marketplace lender. SocietyOne operates differently to the traditional banks. As a peer-to-peer lender, SocietyOne doesn’t provide the finance for a loan; instead, it connects borrowers with willing investors.

SocietyOne is an online-only operation, which means it doesn’t have branches. You can apply for loans online however they also have a customer service line if you need to speak to someone.

 

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