Personal Loans made easy

Credit made for you

Instant Loan

SocietyOne / Instant Loan


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 Loan

Thanks to the rise of internet connectivity all over the world, many loan companies are now offering competitive instant loan options to borrowers. There’s a demand for online loans approved instantly, especially if the application process is also completed digitally.

Unavoidable cash emergencies can prompt people to borrow small amounts to address the unexpected cash gap. Because of the urgency involved in these situations, borrowers prefer instant loan approval – especially when we need cash ASAP.

What are the available options for an instant loan, and what are the advantages?

Can I get an instant loan from a bank?

While it’s possible to get an instant loan from a bank, there aren’t many that offer them. For most banks, immediate loans may mean at least a few days or weeks of waiting before they begin processing the application. The banks that do process immediate loans typically have exhaustive documentary requirements, which can be prohibitive for younger borrowers, or borrowers with poor credit standing.

Before digital credit providers existed on the lending market, borrowers who needed a loan ASAP would rely on a storefront lender that loans instant cash but with very high interest rates or on a bank that may take some time to process applications. Often, these options were discouraging for borrowers, either because of the high interest on their repayments or for the long waiting time before their loan is reviewed.

Online credit providers address the product gap for instant loans. At SocietyOne, we offer both secured and unsecured loans, such as personal loans for students. We also offer loan consolidation and unsecured car loan options as well.

If you’re wondering ‘what is a secured loan’ and how it differs from unsecured types of personal loans, the difference is in the collateral requirement. Secured loans require pledged assets to insure the loan, allowing the credit provider to offer lower rates or more lenient loan terms. Unsecured loans don’t require collateral and typically have shorter terms for more manageable amounts. Easy instant loans are an example of unsecured loans.

Is borrowing small amounts from online loans risky?

With responsible and diligent borrowing habits, you can borrow money online instantly and not experience many of the risks associated with an instant loan. Online loans are only risky when we manage our repayments poorly, causing our credit scores to fall.

There are advantages to keeping our credit scores healthy. A stronger credit standing may pre-qualify a borrower for an immediate cash loan with a ceiling of $50,000 (unsecured loans) or $70,000 (secured loans).

If you’re interested in an instant loan and would like to know what your credit score is, SocietyOne’s Credit Score tool provides you with free credit score checks.

Additionally, we provide resources and tips for improving credit management through our obligation-free club. A healthy score can open up more credit opportunities that you can take advantage of. We encourage you to sign up for the club as well when you apply for instant loan products at SocietyOne.

If you have enquiries regarding other aspects of a SocietyOne loan, you may get in touch with us through email ( or phone (either 1300 144 221 or 02 8397 9700, Monday to Friday, 9.00 a.m. to 5.00 p.m. AEDT).

How quickly can I receive cash online?

SocietyOne reviews and processes quick instant loan applications as soon as our system receives them. You could get a personalised instant loan term in minutes, apply within the hour, and have your application approved and your loans paid instantly to your nominated account.

Before completing our online application form, there are eligibility requirements to consider. If you meet all of the criteria, we may even offer better terms than our loan repayment calculator.

Our criteria for instant small loans are the following:

  • The borrower must be at least eighteen years old or older at the date of their application.
  • The borrower must be an Australian citizen or permanent resident.
  • The borrower should be earning at least $30,000 per annum, with documentation.
  • A healthy credit score is preferred for both secured and unsecured applications.

There may be additional requirements for certain loan types, especially for secured loans. Some examples of such documents are proof of ownership for assets pledged as collateral or proofs of current address like utility bills. These documents help our team to better tailor our loan offerings to your declared loan purposes.

Discover your new credit partner in SocietyOne

We’re one of the leading online credit providers in the Australian market. As part of the MONEYME Group, our digital lending platform is fully licenced and regulated, and our partnership with Experian means our credit-related services report accurate scores for every application, in turn allowing us to offer attractive instant loan terms for borrowers with good credit history.

Whether you plan to invest in loans or utilise any of our award-winning credit products and services, our team has endeavoured to make the entire process as smooth and hassle-free as we can make it. From our customer support to our robust loan offerings, everything is geared towards catering to your needs. If you need to get quick loans, there are no better platforms to do so with us.

Download our app or register for an account through our website, and apply for your first instant loan with SocietyOne now.


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