Personal Loans made easy

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Money Loans

SocietyOne / Money Loans


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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*

Money Loans

Money loans are a lifeline for many professionals. When we apply for a payday loan, it’s often because of a financial emergency that needs to be resolved right away. It could be caused by a delayed paycheck, a deposit not clearing in time before a bank holiday, or personal circumstances like a doctor’s visit or vehicle repair.

Whatever our individual reasons, money loans help address urgent short-term cash gaps. After all, people don’t decide to borrow money fast without good reason – whether it’s a fast cash advance or a more hefty bank loan, we take on an obligation when we apply and get approved for a loan.

What is the quickest and easiest way to borrow money?

Generally speaking, unsecured personal loans are the more convenient loan types when you have a sudden cash flow issue. This type of loan doesn’t require collateral to insure the loan, and some examples of unsecured loans are payday loans via online loaning, student loans, and credit cards.

Online fast cash loans have gained popularity for several reasons, such as convenience. Because online finance platforms keep less rigid business hours compared to banks, digital lending platforms are quickly becoming a preferred loaning option for many.

Platforms like SocietyOne also offer competitive benefits compared to traditional bank loans. Our unsecured money loans don’t have a monthly fee, and you can view prospective repayments through our personal loans repayment calculator to help you decide on a loan amount you’re comfortable with. This is an obligation-free service, so you’re not locked into a loan just for enquiring.

What should I look for when applying for online money loans?

Our honest answer is that it depends on what you need.

If you have a planned extended holiday that’s a few weeks away, you may prefer to apply for an unsecured loan with a higher ceiling. The same applies to a wedding loan or renovation loan. These situations aren’t as time-sensitive compared to emergencies obliging you to secure payday loans.

Meanwhile, loans for debt consolidation could be more manageable for your finances, as you’ll only be paying one loan rather than several ones simultaneously.

It’s also important to note the comparison rate between loan offers, even if they’re from the same bank or online lender. Some fees and charges may be lower depending on the length of the loan term, and low-rate interest loans with a shorter repayment schedule could be healthier for your credit score despite the higher fortnightly or monthly amounts.

SocietyOne maintains a quick review and approval across all products, so you can expect to hear back on your application within at least one business day.

Why do payday money loans have a higher interest rate?

The majority of payday lenders do not require a credit check at all. Typically, borrowers who seek payday loans do not have the best credit, so lenders compensate for the increased risk they’re taking on by charging higher interest rates and fees.

At SocietyOne, we use a risk-based pricing mechanism that allows us to offer you a personalised rate based on your unique credit profile. We don’t charge any hidden or ongoing fees, and you won’t be penalised if you pay off early. Our loans are supposed to work for you – not the other way around.

We offer both secured and unsecured loans, each with variable interest rates. Unsecured loans let you borrow up to $50,000 without any collateral and have a loan repayment maximum of up to five years. For secured loans, on the other hand, the loan ceiling is $70,000 with longer loan repayment terms of up to seven years.

Both types of loans have their unique advantages. If you prefer shorter loan terms, you can opt to repay your loan as quickly as two years. We also accept a variety of assets as collateral; enquire with us to learn if your asset or property qualifies for your desired loan.

We have a tool on our website that reviews your credit score, completely free. In addition, you can join the Credit Score Club, which provides exclusive insights to help you bring your score into a healthier and more competitive range.

Why choose SocietyOne?

Loans are a commitment, and when we commit, we want to feel reassured that our choice is the best one. This is why SocietyOne is a leading financial platform in Australia – we are a licenced and regulated credit provider in the country and are part of the ASX-listed MONEYME Group. You can trust us with your financing, just as thousands of our customers have done since we first opened our books in 2012.

Whether you plan to invest in loans or just need short-term money loans to cover some bills, SocietyOne offers a variety of financing options at competitive rates.

Taking advantage of SocietyOne money loans

Different types of loans have their specific requirements, but some are present across all SocietyOne products. They are as follows:

  • You must be over 18 years old.
  • You must be an Australian citizen or a permanent resident of the country.
  • You must provide your personal information (legal name, current address, date of birth).
  • You must have a valid driver's licence or passport.

Other requirements – such as proof of fortnightly, monthly, or annual income, proof of address, or business licences – may be asked for depending on your desired loan type or amount. If you have any enquiries, our FAQ page is an excellent starting point. You may also contact us through email at or call our friendly team.

Let us help you find solutions for unexpected cash gaps. Apply for a personal loan at SocietyOne today.


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