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.

For when 'it' happens

Quotes don't affect your credit score

Quotes don't affect your credit score!
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We're currently offering great low interest rates from:

7.50%

p.a.

9.51%

p.a.
(comparison rate*)

*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest rates. Comparison does not take into account short term bank promotional rates. 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. Establishment fee applies.


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.


  • It was extremely easy to apply and I received an awesome low interest rate to pay out a credit card.

    Avatar for Tj Guns on productreview.com.au

    Tj Guns
    December 2017

  • The process of applying for a loan with SocietyOne is straightforward, and the flexibility of variable loans means I can pay it back quicker. It's hard to get a loan due to my income which varies between contracts even though I earn a great income. I'm grateful that there are financial services available for the modern economy. The transparency and convenience of having my repayment and fee schedule laid out for me is also a big bonus.

    Ceri K
    November 2017

  • Tried to consolidate my loans under one roof...society one didn't let me down..I was very skeptical at first but was really convinced when I received the funding..now I'm able to pay my other loans at a very good rate..thanks society one!!!..

    Avatar for Gil on productreview.com.au

    Gil
    September 2017

  • I looked at doing a personal loan for debt consolidation. I googled the top 10 and Society One popped up. After putting through an application and going through the process I understand why. It was an easy process with consultants getting back to you straight away. They also gave other options that I hadn't thought of which was great. I would definitely recommend them and use them myself again if need be.

    Betsy
    May 2018

  • This is awesome. Quick and painless process. Every consltant I spoke to was so helpfull. Thank you so much this loan has helped so much to consolidate a debt that was getting beyond me.

    MONICA
    November 2017

  • Nothing is ever a problem when I contact them. If they can’t help then they ask someone. They are real people who are friendly and obviously enjoy their work as this reflects in their manner in which they serve you. I’m so glad we contacted them when we needed financial help.

    Donna
    August 2018

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% - 9.99%8.10% - 10.59%3.00% - 4.00%9.51% - 12.71%9.36% - 12.31%
Tier 210.49% - 11.49%11.39% - 12.39%4.25%13.38% - 14.40%13.23% - 14.25%
Tier 311.99% - 13.79%13.19% - 14.99%4.50%15.08% - 16.91%15.17% - 17.00%
Tier 414.99% - 18.19%16.79% - 19.99%5.00%18.48% - 21.75%19.07% - 22.34%

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

*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest rates. Comparison does not take into account short term bank promotional rates. 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. Establishment fee applies.

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Getting a quote will not impact your credit score.