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53 questions from our users

Kristie

Kristieasked

Borrowers

Is it standard that you contact the bank in behalf of the borrower for their bank statements?



No answers

Cheryl H.

Cheryl H.asked

Can you apply if your a pensioner



No answers

Leanne

Leanneasked

Who can apply

1 answer
Gavin
Gavin

Use this link, this should help you out.
https://www.societyone.com.au/personal-loans?ds_rl=1250958&gclid=EAIaIQobChMIqsCWp6bD5wIVAiUrCh2YJAHSEAAYASAAEgIUJvD_BwE&gclsrc=aw.ds




Rambo

Ramboasked

I am an existing customer and would like to increase my personal loan by $5000 and over 4 years, is this possible? Vicki Dale

1 answer
SocietyOne
Ash K.SocietyOne

Hi Vicki, thank you for your question!

You have the option to:

- Apply for the amount you currently need and if you are approved you will have two active SocietyOne loans. Please be aware this will mean two repayments and two interest rates.
- Apply for the amount large enough to payout your existing loan and be transferred the remaining funds.



Please go to www.societyone.com.au to perform a quick rate quote. At page 3 of the application, you will be provided with an indicative interest rate based on your loan amount, loan term and your SocietyOne loan grade.

Kind regards, Ash @ SocietyOne


Gavin C

Gavin Casked

How do I see my igsisting loans

1 answer
SocietyOne
Ash K.SocietyOne

Hi Gavin, thank you for your question!



Please email [email protected] for instructions to access your online account.

Kind regards, Ash @ SocietyOne.




Gavin C

Gavin Casked

How do I see my insisting loans

No answers

Geoff Baker

Geoff Bakerasked

How do I get a loan balance on my account?

1 answer
SocietyOne
Ash K.SocietyOne

Hi Geoff, thank you for your question!
Please email cus[email protected] and one of our team will be able to assist you with a balance on your loan.
Kind regards, Ash @ SocietyOne


Geoff Baker

Geoff Bakerasked

How do I get a loan balance on my account?

1 answer
Miguel
Miguel

Ring society one or member app


BeverleyCarre

BeverleyCarreasked

Can a pensioner apply for a loan

1 answer
SocietyOne
Ash K.SocietyOne

Hi BeverleyCarre, thank you for your question.
It is a requirement that all applicants with us be earning a minimum of $30,000.00 a year in taxable income.
Therefore, if the pension is your primary source of income, we would not be able to assist you with a loan.
If you have any questions, please email [email protected] We apologise for any inconvenience.
Kind regards, Ash @ SocietyOne


Sandie75

Sandie75asked

Borrowers

Can a pensioner get a loan?

1 answer
SocietyOne
Ash K.SocietyOne

Hi Sandie75, thank you for your question.
It is a requirement that all applicants with us be earning a minimum of $30,000.00 a year in taxable income.
Therefore, if the pension is your primary source of income, we would not be able to assist you with a loan.
If you have any questions, please email [email protected] We apologise for any inconvenience.
Kind regards, Ash @ SocietyOne


Seleena17

Seleena17asked

Will it affect my credit rating

1 answer
SocietyOne
Ash K.SocietyOne

Hi Seleena17, thank you for your question!
If you get a quote from the SocietyOne website, it will not affect your credit rating. If, however, you proceed past the point of quote and begin a formal application for credit with SocietyOne, it will be recorded as an enquiry on your file which may affect your credit rating.
If you have any questions, please email [email protected]
Kind regards, Ash @ SocietyOne


Percy Castillo

Percy Castilloasked

can you make extra repayments on a personal loan? Ok to pay it out early?

1 answer
SocietyOne
Ash K.SocietyOne

Hi Percy, thank you for your question!
You can make extra repayments on your loan at any time, either by increasing your standard repayments or via our BPAY payment service. You are also welcome to pay the loan out early at any time with no excess fees or penalty to yourself.
If you have any further queries, please email [email protected]
Kind regards, Ash @ SocietyOne


TDB

TDBasked

Are you allowed to make extra payment on top of the repayments every month without penalty? Thanks.

1 answer
SocietyOne
Ash K.SocietyOne

Hi TDB, thank you for your question!
You can make extra repayments at any time with no penalty. These can be done by increasing your standard direct debit repayment amount or on an ad hoc basis via BPAY.
Please call us on 1300 144 221 if you have any further questions.
Kind regards, Ash @ SocietyOne


MERYL B.

MERYL B.asked

Can a loan be repaid early without further fees

1 answer
SocietyOne
Ash K.SocietyOne

Hi Meryl, thank you for your question!
We do not charge any early payout or termination fees. If you wish to settle your loan early, you only need to organise a formal settlement with us where you will only have to pay the balance of your loan plus any interest accrued up to the date of payment.
If you have any further questions, please call us on 1300 144 221.
Kind regards, Ash @ SocietyOne


Irena R.

Irena R.asked

Can you explain to me why you offer an interest rat of 19.9% for someone who has a fantastic credit score in access of 750 score

1 answer
SocietyOne
Ash K.SocietyOne

Hi Irena, thank you for your question.
Our interest rates are calculated based on a soft touch inspection of your credit history, of which your credit score is only one aspect of it. If you have any concerns regarding the rate you were offered at the point of quote, I would suggest contacting the credit bureau Equifax to get an updated credit report for yourself.
Kind regards, Ash @ SocietyOne


Helix

Helixasked

Hey just wondering if you do those loans to people who are buying a house and need money for a deposit?

Thanks.

1 answer
SocietyOne
Ash K.SocietyOne

Hi Helix, thank you for your question!
Unfortunately we can not provide a loan if the purpose is to put it towards a house deposit.
If you have any questions, please call us on 1300 144 221. We apologise for any inconvenience.
Kind regards, Ash @ SocietyOne


Richard S.

Richard S.asked

Hi what is the interest and the cond. On 50 000.00 aud. For 24 months business loan? thanks richard schlegel bsv australia p/l t/a. Solaglass sealed unit

1 answer
SocietyOne
Ash K.SocietyOne

Hi Richard, thank you for your question!
Unfortunately we do not do any form of business lending at SocietyOne, we only do unsecured personal loans.
If you have any questions, please contact us on 1300 144 221. We apologise for any inconvenience.
Kind regards, Ash @ SocietyOne


Helen M

Helen Masked

Hi can we apply for a loan as joint application.

1 answer
SocietyOne
Ash K.SocietyOne

Hi Helen, thank you for your question.
Unfortunately we do not accept joint applications, we only offer individual personal loans. However, if you were looking at a debt consolidation loan where the debts are jointly shared, we can still assist in this case.
If you have any further questions, please call us on 1300 144 221 between 8am and 6pm NSW time.
Kind regards from Ash, on behalf of the entire SocietyOne team.


Chris

Chrisasked

Can I get another loan if I already have an existing loan with you?

2 answers
SocietyOne
Ash K.SocietyOne

Hi Chris, thank you for your query.
You can definitely apply for another loan if you currently have an existing loan with SocietyOne, however please note that all existing SocietyOne customers have to be able to show a good repayment history for the previous six months before any applications for extra finance can be taken into consideration.
If you have any further questions, please contact us on 1300 144 221 and we will do our best to assist you.
Kind regards from Ash, on behalf of the entire SocietyOne team!

Dblk89
Dblk89

I had a good repayment history and good credit rating, yet you guys declined the second loan


eva s.

eva s.asked

If we got an offer, does that mean you can still decline the application?

1 answer
SocietyOne
Ash K.SocietyOne

Hi Eva, thank you for your query.
Once you fill out the application, you will receive a conditional offer from us which will set out your interest rate and your repayment amount over your chosen term.
Following the acceptance of your conditional offer, you will need to submit your documentation to us which will then be assessed by our credit team who will make the final decision as to whether we can approve or decline your application.
We hope this answer has been helpful to you. If you have any further queries, please contact us on 1300 144 221.
Kind regards from Ash, on behalf of the entire SocietyOne team.


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