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.

Get a quote today - won’t impact your credit score
You can also retrieve an existing rate quote

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 $10000 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

  • After getting knocked back from rude banks I was a bit reluctant to apply I'm so happy to have paid off my never ending credit cards off today They were fast and very friendly and understanding will be doing my business with these guys from now on Thankyou again

    Avatar for Tammy Buswell on productreview.com.au

    Tammy Buswell
    September 2017

  • It was fairly easy to apply. Quick response. Good interest rate. Win win. This is what banking should be. Will recommend to friends & family.

    Avatar for Joe on productreview.com.au

    Joe
    November 2016

  • had an answer within 48 hours you definitely have changed my life around and can see some light at the end of a tunnel all staff were very friendly and supportive

    Avatar for wayne on productreview.com.au

    wayne
    October 2017

  • This loan come to us at a great time, used it for consolidating a few debts to help us get back on track. Easy, fast and friendly to deal with, could not be more grateful. :)

    Avatar for nicolemoore1 on productreview.com.au

    nicolemoore1
    October 2017

  • Saw the add on tv and decided to give it a go to pay off a credit card. It was the friendliest smoothest transaction ever. A big thankyou.

    Avatar for Mick on productreview.com.au

    Mick
    September 2017

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 $10000 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.

Get a quote online, in minutes.

Getting a quote will not impact your credit score.