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

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

Or retrieve an existing rate quote - won't impact your credit score!

We're currently offering great low interest rates from:

7.88%

p.a.

9.90%

p.a.
Comparison rate*

*The comparison rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. Tier 1 borrowers will receive an interest rate between 7.75% - 8.99% (comparison rate 9.77% - 11.02% 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.


  • Simple and efficient

    I could not be happier. The process was simple and efficient. Debt consolidation before Christmas is a great way to go into 2017.

    Avatar for Ray on productreview.com.au

    Ray December 2016

  • Painless

    I requested an unsecured loan to assist with credit card consolidation and to buy a new fridge. The application process was very easy and the people i spoke to were very friendly and efficient.

    Avatar for LHY on productreview.com.au

    LHY December 2016

  • Easy Process - very fast results

    Easy to navigate user friendly website with great customer service and a significantly lower interest than was available in the market place with other institutions. Professional, responsive and very fast result achieved. Definitely worth a 5 star rating

    Avatar for v_williams on productreview.com.au

    v_williams July 2016

  • Top Quality Service

    Got a fantastic interest rate, way better than the banks. Staff were very professional and loan was verified and funded very quickly. I'm extremely happy now that my finances are now in order & would certainly recommend SocietyOne to others. Thanks

    Avatar for Stealth on productreview.com.au

    Stealth July 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.

Save on fees and interest

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 fees to worry about.

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 1 (AA)7.75% - 8.99%8.60% - 9.84%3.00%9.77% - 11.02%9.87% - 11.12%
Tier 2 (A)8.99% - 9.49%9.94% - 10.44%4.00%11.69% - 12.20%11.65% - 12.15%
Tier 3 (B)9.49% - 10.99%10.54% - 12.04%4.50%12.53% - 14.06%12.47% - 14.00%
Tier 4 (C)10.99% - 13.99%12.14% - 15.14%5.00%14.40% - 17.46%14.31% - 17.38%
Tier 5 (D)13.99% - 25.49%15.24% - 26.74%6.00%18.14% - 29.94%17.92% - 29.75%
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 SocietyOneAA grade $10,000 unsecured personal loan for a 3 year term.


Comparison Rate*

9.90%

Monthly Repayment

$331.90

Total Repayments

36 x $331.90 = $11,947.30

*The comparison rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. Tier 1 borrowers will receive an interest rate between 7.75% - 8.99% (comparison rate 9.77% - 11.02% 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.