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Manage your loan on the move

You can view your SocietyOne personal loan balance and request loan statements whenever you need it, find out how to make an extra payment, request a pay-out figure and more.

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Get your FREE credit score

Check your credit score in 60 seconds through the app. Once you have your score, you can set up notifications to be notified if there any changes to your score. You can also get tips and insights on how to improve your score.

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Frequently Asked Questions

Get answers to all your personal finance questions.

*SpendOne and SaveOne accounts are financial products provided by SocietyOne Australia Pty Ltd (ABN 44 151 627 977, Authorised Representative no. 425717 of SocietyOne Investment Management Pty Ltd ACN 604 960 018 AFSL 477365). Accounts and debit cards are issued by Westpac Banking Corporation (ABN 33 007 457 141, AFSL 233714).A

  1. To open the accounts you must have a mobile device that can access the internet. Other eligibility criteria are set out in the Terms and Conditions, and include that you are an Australian tax resident only, have an Australian residential address, are at least 18 years old, and have an Australian mobile number and a valid email address. Refer to Terms and Conditions.
  2. Fees may apply for the use of ATMs and are charged by the AM operator. You may also incur fees on card purchases made in foreign currencies
  3. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
  4. Google Pay is a trademark of Google LLC.

Any advice in relation to the SpendOne and SaveOne accounts is general advice only and does not take into account your objectives, financial situation or needs. Before acting on any advice, you should consider whether it is appropriate to you, having regard to your circumstances.

A Target Market Determination for the SpendOne and SaveOne products is available at https://www.westpac.com.au/about-westpac/innovation/banking-as-a-service/tmd/

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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 8.20% (8.27% p.a. comparison rate) to 24.89% (25.64% p.a. comparison rate). See our Rates and Fees 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 8.20% p.a. (comparison rate 8.54% p.a.) and a $545 establishment fee, the monthly repayment would be $314 and the total cost over the life of the loan (including the establishment fee) would be $11,314. SocietyOne personal loans are available for terms of 2, 3, and 5 years. Minimum loan term repayment period is 2 years, maximum loan term repayment period is 5 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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