Consumer lender SocietyOne will restore margins for its investors, lifting its comparison rate for a personal loan to 11.05 per cent from 9.8 per cent.A SocietyOne spokesperson said it "maintained the offer in market for four months" to July 31."During this time, our headline rate for A-rated borrowers started from 9.8 per cent. The response has been excellent and we have been able to demonstrate that … we can use our lower operating cost advantage to share more of the savings with our customers."Michelle Hutchinson from comparison website Finder.com.au said Society One's rate rise was "the only variable rate change since July 1 this year."The average advertised personal loan variable rate in the Finder personal loans database is 12.42 per cent.SocietyOne, founded two years ago, has attracted institutional investor backing this year, including from Westpac.