The SocietyOne Blog

Your go-to resource for all things personal finance.
How a personal loan can help you when you need it
Personal Finance

How a personal loan can help you when you need it

Personal loans can help achieve some big financial - and of course, personal - goals in life.

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What are the new credit reporting rules for financial hardship?
Personal Finance

What are the new credit reporting rules for financial hardship?

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5 things to do before you apply for a personal loan
Personal Finance

5 things to do before you apply for a personal loan

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Let’s bust five big money myths
Personal Finance

Let’s bust five big money myths

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Five budget approaches and how they work
Personal Finance

Five budget approaches and how they work

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10 Christmas gifts that won't break the bank
Credit Score

Why it pays to check your credit score regularly

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A practical guide to obtaining a personal loan
Personal Finance

A practical guide to obtaining a personal loan

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The 5 benefits of consolidating your debt
Debt Consolidation

The 5 benefits of consolidating your debt

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Top tips for saving money… from people who work in finance
Personal Finance

Top tips for saving money… from people who work in finance

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5 lessons we can all learn from 2021
Personal Finance

5 lessons we can all learn from 2021

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Top 5 tips to conquer your holiday debt
Travel

Top 5 tips to conquer your holiday debt

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How to get a car loan
Car Loans

How to get a car loan

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You put Christmas on BNPL - now what?
Credit Score

• Dec 21st, 2021

You put Christmas on BNPL - now what?

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7 fun low-cost hobbies to take up in 2022
Personal Finance

• Dec 21st, 2021

7 fun low-cost hobbies to take up in 2022

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5 ways to build your credit score
Credit Score

5 ways to build your credit score

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5 New Year’s (financial) resolutions to kick 2022 off right
Credit Score

5 New Year’s (financial) resolutions to kick 2022 off right

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How To Better Manage Your Money In The Lead Up To Christmas
Personal Finance

• Nov 24th, 2021

How To Better Manage Your Money In The Lead Up To Christmas

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10 Christmas gifts that won’t break the bank
Personal Finance

• Nov 24th, 2021

10 Christmas gifts that won’t break the bank

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7 handy credit card tips for a stress-free summer
Personal Finance

• Nov 11th, 2021

7 handy credit card tips for a stress-free summer

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6 ways to build a better holiday season budget
Travel

• Nov 1st, 2021

6 ways to build a better holiday season budget

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Don’t make do, make awesome
Personal Finance

Don’t make do, make awesome

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Thinking of caravanning? Here’s how to plan the perfect trip
Travel

Thinking of caravanning? Here’s how to plan the perfect trip

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Putting the positive into comprehensive credit reporting
Credit Score

Putting the positive into comprehensive credit reporting

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What Is Your Credit Score And What You Can Do To Improve It
Credit Score

What Is Your Credit Score And What You Can Do To Improve It

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Good and bad habits that affect your credit score
Credit Score

Good and bad habits that affect your credit score

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5 Easy Steps On How To Improve Your Credit Score Quickly
Credit Score

5 Easy Steps On How To Improve Your Credit Score Quickly

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What is a secured loan?
Personal Finance

What is a secured loan?

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What is debt negotiation?
Personal Finance

What is debt negotiation?

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BNPL vs credit cards: The great debate
Personal Finance

BNPL vs credit cards: The great debate

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How to get your finances in order before EOFY
Personal Finance

How to get your finances in order before EOFY

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how-to-plan-for-your-dream-holiday
Travel

How To Plan For Your Dream Holiday

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Recovering Financially After Bankruptcy
Personal Finance

Recovering Financially After Bankruptcy

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How to financially handle unexpected illness or injury
Personal Finance

How to financially handle unexpected illness or injury

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5 Tips for Creating the Ultimate Outdoor Entertaining Area
Home Renovation

5 Tips for Creating the Ultimate Outdoor Entertaining Area

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How to tackle your to-do list and make things happen
Personal Finance

How to tackle your to-do list and make things happen

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Secured vs unsecured car loans: Which is right for you?
Car Loans

Secured vs unsecured car loans: Which is right for you?

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Your Questions Answered: Everything You Should Know About Secured Personal Loans, Collateral and Guarantors
Personal Finance

Your Questions Answered: Everything You Should Know About Secured Personal Loans, Collateral and Guarantors

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Three ways to manage your finances in the lead-up to your wedding
Wedding

Three ways to manage your finances in the lead-up to your wedding

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How your credit score can impact your Home Loan application
Credit Score

How your credit score can impact your Home Loan application

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Financial Literacy 101: What Afterpay means for your credit score
Credit Score

Financial Literacy 101: What Afterpay means for your credit score

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How To Set Financial Goals For The Future | SocietyOne
Personal Finance

How To Plan And Achieve Your Financial Goals For The Future

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13 Festive Christmas Food Ideas That Will Save Your Wallet
Personal Finance

• Sep 7th, 2021

13 Festive Christmas Food Ideas That Will Save Your Wallet

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How do the banks see you?
Personal Finance

How do the banks see you?

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4 Great Tips On How To Teach Kids About Money
Personal Finance

4 Great Tips On How To Teach Kids About Money

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The 50/30/20 Budgeting Rule Explained
Personal Finance

The 50/30/20 Budgeting Rule Explained

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Spend smarter and save on your kids’ education
Education

Spend smarter and save on your kids’ education

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9 ways to improve your credit score
Credit Score

9 ways to improve your credit score

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Making the most of small spaces
Home Renovation

Making the most of small spaces

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How to prepare your home for weather
Home Renovation

How to prepare your home for weather

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How to prep your finances this home reno season
Home Renovation

How to prep your finances this home reno season

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9 Tips On How To Save Money When Travelling
Travel

9 Tips On How To Save Money When Travelling

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The Time is Now
Personal Finance

The Time is Now

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Adding value to your property
Home Renovation

Adding value to your property

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Kick-Start Your New Year's Resolution by Getting Your Finances in Order
Personal Finance

Kick-Start Your New Year's Resolution by Getting Your Finances in Order

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How to use a loan to consolidate your debts
Debt Consolidation

How to use a loan to consolidate your debts

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Prep your finances for a new car this EOFY
Car Loans

Prep your finances for a new car this EOFY

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Tax time 2021: Everything you need to know
Personal Finance

• May 31st, 2021

Tax time 2021: Everything you need to know

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How to Afford Attending a Wedding on a Budget
Wedding

How to Afford Attending a Wedding on a Budget

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What the 2021-22 Federal Budget means for your money
Personal Finance

• May 13th, 2021

What the 2021-22 Federal Budget means for your money

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Finding Financial Freedom
Personal Finance

Finding Financial Freedom

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Saving Money & Securing Your Finances in 2020
Personal Finance

• Mar 10th, 2021

Saving Money & Securing Your Finances in 2020

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The Best Ways On How To Save And Spend Your Tax Return Effectively
Personal Finance

• Mar 10th, 2021

The Best Ways On How To Save And Spend Your Tax Return Effectively

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Holiday Budgeting Tips
Personal Finance

• Mar 10th, 2021

Holiday Budgeting Tips

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Why holidays are a sound life investment
Travel

Why holidays are a sound life investment

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A Guide on Whether to Relocate or Renovate?
Home Renovation

A Guide on Whether to Relocate or Renovate?

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5 Hacks For Overcoming Your Impulse Buying
Personal Finance

5 Hacks For Overcoming Your Impulse Buying

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New lease of life for Brian
Personal Finance

New lease of life for Brian

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Portrait of a Procrastinator
Personal Finance

Portrait of a Procrastinator

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12 Tips For Your Next Home Colour Revamp
Home Renovation

12 Tips For Your Next Home Colour Revamp

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5 Home projects you can do yourself
Home Renovation

5 Home projects you can do yourself

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What to consider when budgeting for travel
Travel

What to consider when budgeting for travel

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Smart Ways to Save Money on Your Wedding
Wedding

Smart Ways to Save Money on Your Wedding

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Making a house a home
Personal Finance

Making a house a home

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Home renovations for sustainable living
Home Renovation

Home renovations for sustainable living

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Comparing apples with apples
Personal Finance

Comparing apples with apples

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Home Office & Work From Home Expenses
Personal Finance

Home Office & Work From Home Expenses

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Japanese Kakeibo Budget
Personal Finance

Japanese Kakeibo Budget

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Make sure your Christmas card doesn’t come with bill shock
Personal Finance

Make sure your Christmas card doesn’t come with bill shock

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Budget Friendly Travel Ideas
Travel

Budget Friendly Travel Ideas

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5 Tips For Supercharging Your Debt Repayments
Debt Consolidation

5 Tips For Supercharging Your Debt Repayments

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Money and Relationships
Personal Finance

Money and Relationships

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Lemons to lemonade - how Marty made it happen.
Personal Finance

Lemons to lemonade - how Marty made it happen.

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Budgeting For Gifting
Personal Finance

Budgeting For Gifting

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To all the weekends of wedding season
Personal Finance

To all the weekends of wedding season

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What is Your Spending Personality?
Personal Finance

What is Your Spending Personality?

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The Costs Of Home Renovation
Home Renovation

The Costs Of Home Renovation

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How to Avoid Overspending This Silly Season
Personal Finance

How to Avoid Overspending This Silly Season

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The Quest For The Perfect Wedding
Wedding

The Quest For The Perfect Wedding

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The 4 Hidden Dangers of Balance Transfer Cards
Debt Consolidation

The 4 Hidden Dangers of Balance Transfer Cards

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3 Tips To Consider When Buying Your First Home
Personal Finance

3 Tips To Consider When Buying Your First Home

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Solo Travel Tips & Advice
Travel

Solo Travel Tips & Advice

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Learn The Differences On All Types Of Personal Loans
Personal Finance

Learn The Differences On All Types Of Personal Loans

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What Are Responsible Lending Obligations And How They Help You
Personal Finance

What Are Responsible Lending Obligations And How They Help You

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The $50k home makeover plan that may change your life
Home Renovation

The $50k home makeover plan that may change your life

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Choosing the right post pay option for funding a holiday getaway
Travel

Choosing the right post pay option for funding a holiday getaway

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Where to Skimp and Where to Save on Home Renovation
Home Renovation

Where to Skimp and Where to Save on Home Renovation

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Is Debt Consolidation The Best Debt Solution For You?
Debt Consolidation

Is Debt Consolidation The Best Debt Solution For You?

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What Is Debt Consolidation And How It Can Help With Paying Off Debts
Debt Consolidation

What Is Debt Consolidation And How It Can Help With Paying Off Debts

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Six considerations for financing your new wheels
Car Loans

Six considerations for financing your new wheels

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How To Manage Debt Repayment With Debt Consolidation
Debt Consolidation

How To Manage Debt Repayment With Debt Consolidation

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Six cheap as chips decorating solutions for the broke homemaker
Home Renovation

Six cheap as chips decorating solutions for the broke homemaker

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Personal Loans vs Payday Loans: Choosing The Right Option For You
Personal Finance

Personal Loans vs Payday Loans: Choosing The Right Option For You

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What to Consider Before Applying For a Home Renovation Loan
Home Renovation

What to Consider Before Applying For a Home Renovation Loan

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8 Tips On Deciding When To Refinance Your Home Loan
Personal Finance

8 Tips On Deciding When To Refinance Your Home Loan

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Make It Happen.
Personal Finance

Make It Happen.

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Personal Loans for IVF Treatment on the Rise in Australia
Personal Finance

Personal Loans for IVF Treatment on the Rise in Australia

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Spring Cleaning Help, Tips and Tricks
Home Renovation

Spring Cleaning Help, Tips and Tricks

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How to Avoid Overcapitalising on Home Renovations
Home Renovation

How to Avoid Overcapitalising on Home Renovations

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How to Future-proof your Next Vehicle Purchase
Car Loans

How to Future-proof your Next Vehicle Purchase

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How to keep your family financially secure through a recession
Personal Finance

• Mar 2nd, 2021

How to keep your family financially secure through a recession

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How to plan a wedding on a budget
Wedding

How to plan a wedding on a budget

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The top credit card mistakes and how to avoid them
Personal Finance

The top credit card mistakes and how to avoid them

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How to financially prepare for your next renovation
Personal Finance

How to financially prepare for your next renovation

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5 money management tips I wish I knew as a 25 year old
Personal Finance

5 money management tips I wish I knew as a 25 year old

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Thinking About Accessing your Superannuation Early?
Personal Finance

Thinking About Accessing your Superannuation Early?

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Good debt and how to make it work for you
Personal Finance

Good debt and how to make it work for you

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What You Need to Know About Home Loans, Credit Scores and Your Avocado-Eating Habits
Personal Finance

What You Need to Know About Home Loans, Credit Scores and Your Avocado-Eating Habits

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Identity Theft
Personal Finance

Protecting Yourself From Identity Theft

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Credit Score
Credit Score

How Does Your Credit Score Affect A Personal Loan Application?

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How to Budget When Travelling to Europe
Travel

How to Budget When Travelling to Europe

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Information about SocietyOne borrowing rates

The rate advertised above is a comparison rate for a secured personal loan to a Tier 1 borrower. Annual percentage rates range from 5.95% (5.95%) to 23.49% (24.26% p.a. comparison rate). See our Rates and Fees page for more information on borrowing rates. An establishment fee applies for most borrowers. Secured personal loan example: for a borrower with excellent credit (Tier 1 borrower), a personal loan of $10,000 over a 3 year loan term, with an interest rate of 8.49% p.a. (comparison rate 11.81% p.a.) and a $495 establishment fee, the monthly repayment would be $331 and the total cost over the life of the loan (including the establishment fee) would be $11,925. SocietyOne personal loans are available for terms of 2, 3, 5 and 7 years. Minimum loan term repayment period is 2 years, maximum loan term repayment period is 7 years.

Information about comparison rates

Comparison rates are designed to allow borrowers to understand the true cost of the loan by taking into account fees and charges, the loan amount and the term of the loan. The SocietyOne comparison rate above is based on a secured fixed rate personal loan of $10,000 over 3 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.

Information about bank comparison table

All rates in the bank comparison table are based on an unsecured fixed rate personal loan of $10,000 over 3 years. The SocietyOne rate is the lowest available rate for a borrower with excellent credit (Tier 1 borrower). See above for more information about SocietyOne borrowing rates. The comparison table does not take into account short term bank promotional rates.
Canstar 5-star Rating was awarded on 7th of November 2019 for the Unsecured Loan – Excellent Credit Product for the Unsecured Personal Loan profile.

SocietyOne Australia Pty Limited ACN 151 627 977 holds Australian credit licence no. 423660. Credit is subject to SocietyOne’s standard terms and conditions and lending criteria. Credit scores provided by Broker Services Pty Ltd ACN 609 495 409.

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