Pay off your balances with a low interest rate personalised loan.

Transfer your credit card debt to an unsecured personal loan with a rate tailored to your good credit.

We're currently offering great low interest rates from:

7.50%

p.a.

9.51%

p.a.
Comparison rate*

*Comparison based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years.  SocietyOne Tier 1 borrowers will receive an interest rate between 7.50% - 10.55% (comparison rate 9.51% - 13.28% p.a.) depending on investor demand. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate.


A better way to pay off your credit cards


You’ll love the freedom that comes from taking control of your debt with just one repayment each month.

Switch to a SocietyOne loan and combine all your credit card bills into a single, low fixed monthly repayment to pay off your balances faster. See how much you could save paying off $20,000 in credit card balances.

How we calculated potential savings

Debt consolidation chart

Don't just take our word for it.


  • Applied online on Tues night; funds for a consolidation loan were in my account on Thurs of the same week - might have even been sooner if my bank's lines hadn't tapped out. Very professional & all questions answered satisfactorily. Now, one easy fortnightly payment and one interest rate instead of four. Great relief.

    Avatar for JMC5656 on productreview.com.au

    JMC5656
    October 2017

  • Such an easy process with the end result being a loan to pay out my credit cards. Great outcome Thank you Society One

    Avatar for Nglee on productreview.com.au

    Nglee
    August 2017

  • Process was simple from the online application form to uploading documents. Thanks for the loan and for saving me heaps! Will recommend.

    Avatar for violet on productreview.com.au

    violet
    November 2016

  • When Big Banks Rejected, i was dejected and approached Society one with Little Hope that i may or may not get a loan. Their approach was very professional, precise with every things ,listing to clients with patience, very proactive, Very Good at communication and humble customer service.I got my loan approved in a week and funds in a day.A BIG THANK YOU TO SOCIETY ONE.will definitely recommend to others.Keep Up the Good Work.

    Avatar for Sam on productreview.com.au

    Sam
    August 2017

  • What a great service. I consolidated my debts and rolled into one loan which is totally manageable. The whole service with these guys was easy and stress free. They helped with my solution and I found them personable & great to deal with. Excellent follow up through the quick and streamlined process. Highly recommended.

    Avatar for srprod77 on productreview.com.au

    srprod77
    August 2017

  • I have been so impressed with every aspect of SocietyOne. From the great rates they offer to the customer service, I have called multiple times and every time I'm straight through to a cheery helpful aussie. This is a company I would invest with.Keep it up and thank you for taking some of the power away from the banks, companies like this might actually teach them that they can't treat us like dirt!

    Avatar for Sammy J J on productreview.com.au

    Sammy J J
    December 2016

Check out these and hundreds more customer reviews at productreview.com.au

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Why it makes sense to consolidate debt.


cupcake

One, easy to manage repayment

Managing one fortnightly or monthly repayment can make it much easier to stay on top of debt and track your repayments. Juggling multiple repayments is not only a pain but it can lead to late repayment fees if you’re not careful.

Money

Save on interest and ongoing fees

With many loans or credit cards comes a variety of fees and interest rates. Consolidating your debt into one fixed, low rate personal loan means you only have one interest rate and a lot less ongoing fees to worry about.

Smiling Woman

Pay off your debt sooner

With a SocietyOne personal loan you can repay your loan in full as fast as you wish. We charge no early repayment fees or break costs so take those savings and drive down your debt faster!


Our rates


We never charge any monthly or early repayment fees. Loans available for a minimum term of 2 years and a maximum term of 5 years.

SocietyOne Loan
Grades
Interest Rate
% p.a. (2-3 years)
Interest Rate
% p.a. (5 years)
Establishment
Fee
Comparison Rate
% p.a. (2-3 years)2
Comparison Rate
% p.a. (5 years)3
Tier 17.50% - 10.55%8.35% - 11.40%3.00% - 4.00%9.51% - 13.28%9.61% - 13.13%
Tier 210.55% - 11.50%11.50% - 12.45%4.25%13.44% - 14.41%13.34% - 14.31%
Tier 311.50% - 13.96%12.55% - 15.01%4.50%14.58% - 17.09%14.52% - 17.02%
Tier 413.96% - 18.99%15.11% - 20.14%5.00%17.43% - 22.57%17.35% - 22.49%

The establishment fee is added to your loan; the amount is based on your SocietyOne loan grade and the loan amount. A $35 fee applies if you need to vary your loan. 2 Based on a $10,000 unsecured personal loan for a 3 year term. 3 Based on a $30,000 unsecured personal loan for a 5 year term.


Example based on a SocietyOne Tier 1 loan for $10,000 with a 3 year term.


Comparison Rate*

9.51%

Monthly Repayment

$320.39

Total Repayments

36 x $320.39 = $11,534.20

*Comparison based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years.  SocietyOne Tier 1 borrowers will receive an interest rate between 7.50% - 10.55% (comparison rate 9.51% - 13.28% p.a.) depending on investor demand. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate.

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