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SocietyOne vs Harmoney

Looking for a personal loan with a tailored rate? Find out which P2P lender will work best for you.

SocietyOne and Harmoney both offer a raft of benefits for those considering a personal loan. However, as there are some key differences between these two peer-to-peer (P2P) lenders, it's important to compare them both before you apply. On this page, we've laid out the main fees, features and rates side-by-side to help you make a more informed decision before you apply for a personal loan.

Interest rateFrom 7.5% p.a.From 6.99% p.a.
Interest rate typeFixedFixed
Secured or unsecuredUnsecuredUnsecured
Loan amounts$5,000 to $50,000$5,000 to $70,000
Loan terms2-5 years or 5 years3 years to 5 years
Early repayment without penalty?yesyes
  • Aged over 21
  • Australian permanent resident or citizen or New Zealand citizen
  • Earn more than $30,000 p.a.
  • Have 2 years of good credit
  • Have no bankruptcies
  • Are not in hardship with another provider
  • Aged over 18
  • Australian citizen or permanent resident OR
  • New Zealand citizen with an Australian driver's licence, Australian passport or New Zealand passport, a current Australian address and an Australian bank account
  • Acceptable credit record
MoreFind out moreFind out more
  • Verdict

Both SocietyOne and Harmoney offer similar rates and offer unsecured, fixed rate loans. The key differences lie in how much you are able to borrow and the repayment terms. Also, Harmoney accepts applications from people over the age of 18 instead of 21 like SocietyOne.

Remember to consider all of the features of these loans before you submit your application.

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Important Information*
Harmoney Unsecured Personal Loan

Interest rates are tailored to each applicant individually, and start from as low as 6.99% p.a. to 26.95% p.a. based on your credit history.

SocietyOne Unsecured Personal Loan

Based on your risk profile, you will receive a tailored rate between 7.5% and 20.14% with a SocietyOne personal loan. Apply before 31 March 2018 to earn 2 Velocity Points for every $1 you borrow.

Pepper Money Unsecured Fixed Rate Personal Loan

Apply for up to $50,000 and receive conditional approval within minutes. Interest rates range from 9.99% p.a. to 21.49% p.a. The rate you are approved for depends on individual circumstances.

NAB Personal Loan Unsecured Fixed

An unsecured personal loan with a competitive fixed rate that you can make additional repayments to without penalty. Note: You must have held a NAB credit card or transaction account for at least 6 months before applying.

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