Personal Loans made easy

Credit made for you

Instant Cash

SocietyOne / Instant Cash


Award winning personal loans


Easily calculate your loan repayments

Getting a personal loan with SocietyOne is quick and easy.

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Total repayment (inc. interest and fees)
Total interest
8.20% p.a.
Example interest rate*
8.27% p.a.
Comparison rate*

Instant Cash

There’s a maxim that states urgency breeds creativity, and this is true, especially when we need instant cash. From payday easy instant loans to loans for students, we find unique ways to address gaps in our budget when we need to borrow money online instantly.

We strive to make personal online loaning easier and more convenient at SocietyOne.

Why is my credit score important?

Credit score reviews protect you from taking on more credit risks than is advisable for their current rating. Every time we borrow instant cash funds from a licenced or regulated lender, we are investing in funds through credit. The investment is cycled back into the pool of funds for other potential borrowers, allowing the credit funds to grow.

When borrowers default on their credit obligations, it negatively impacts the lending system. This is why knowing your credit score is valuable information – good credit ratings tell lending and financing platforms that you can manage your credit responsibly.

You may be losing credit protection

Have you ever experienced credit fraud?

If you’ve ever gotten a suspicious text message or email from an unfamiliar lending facility claiming you owe immediate cash loan repayments, you may have been a victim of identity theft. Two common methods of identity are phishing attacks and mail fraud. Many of these attacks disguise their attacks as instant cash loan offers or instant money that seems too good to pass up.

According to the Australian Competition & Consumer Commission, residents have reported losses worth $1,705,577 through phishing attacks in a single month in 2022.

Always be wary when you’re offered an instant cash loan with an interest rate that sounds too good to be true. If the lender asks you for sensitive information such as passwords or log-in credentials for your short-term loan, you’re likely being scammed instead.

How to heal an ailing credit score

Getting your credit rating back on track is easier with SocietyOne's Credit Score tool, which allows you to pull your credit score for free, and you can also track it in real-time to see your score as it improves. With Experian – one of the country’s three official credit reporting agencies – as our database partner, you can trust that our tool reflects accurate information.

We also have a club that gives members unlimited access to powerful resources and insights to help you identify problem areas in your credit history, as well as tips on how to address them. The club is an obligation-free service, meaning you’re not required to apply for any personal online loans to take advantage of it.

We encourage you to join, even if you’re not planning on taking up an instant cash loan with us just yet.

What apps offer instant payday loans in Australia?

Thanks to the rise in internet connectivity, there are more instant cash lending platforms today than ever before. Some of these platforms are accessible through mobile apps specifically designed for online lending on the go.

When it comes to personal loans, SocietyOne has a trusted mobile app available on both iOS and Android. The app features the same products and services as the website, so you can keep track of your repayments, request loan statements, or apply for a new credit product from the comfort of your mobile device.

There are no charges involved when you use the app, so you can check on your loans whenever you need to and wherever you are.

Is getting approved for instant cash loans online easy?

Generally speaking, your instant cash loans will be approved without much hassle if you have a good credit score. Some loan types have greater requirements; on the other hand, a good credit rating may be just one of the requirements you’ll need to meet.

Secured or unsecured: which is more ideal?

SocietyOne offers two loan types, secured loans, which require collateral, and unsecured, which do not. This difference offers unique advantages to borrowers based on their needs.

At SocietyOne, secured loans have a loan floor of $5,000 for a minimum of two years, with a ceiling of $70,000 payable for up to seven years. Three-year and five-year terms are also available. Meanwhile, our unsecured loans have the same floor as our secured loans, with a ceiling of $50,000 payable for up to five years.

If you’re undecided on which loan is best for you, our loan repayment calculator will give you estimates based on our regularly-updated comparison rates. Our team also personalises a loan term for you based on your preferences when you apply, so you can choose which option to commit to.

What paperwork is needed for instant online payday loans?

Instant cash loans still have some basic requirements. If you’re wondering if you qualify for a personal loan, these are general requirements to keep in mind.

  • You should be at least eighteen years old at the time of your application.
  • You should be an Australian citizen or permanent resident.
  • Your per annum income should be at least $30,000.
  • Your credit score should preferably be healthy.

Depending on your preferred loan, we may ask for additional documents like proof of income or address during the application process. This is so we can tailor your loan with terms that are fairer and faster than what traditional banks would offer.

Award-winning credit products at SocietyOne

SocietyOne is home to many award-winning credit products geared towards improving life and its many comforts. Whether it’s loans for renovations, green loans, or holiday loans, our varied credit products address diverse credit needs – and we’re working on offering even more. We also offer opportunities to invest in loans and earn through credit.

Live life to the fullest through responsible credit. Apply for an instant cash loan today!


Don't just take our word for it...