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.


  • Very happy with SocietyOne services. This is the third personal loan that I got through them. I really appreciate their professional job. Fast, accurate and transparent job. Highly recommend SocietyOne to everyone interested in a financial assistance.

    cris67on
    August 2018

  • My favourite thing about Society One is that there are NO hidden fees. They add up all the interest and fees together and tell you straight up before you buy. And theyre not hidden somewhere in the middle of the contract, its all straight up in an easy to read table for you. I also really liked that when I called up with any question, there was no long wait time to speak to somebody, and the first person I spoke to every time was really friendly and knew all the answers straight away

    Maddi
    November 2017

  • Thanks to SocietyOne, I have now consolidated my credit cards debt. The process was smooth and the staff were very helpful. It is a load lifted of my back and now I can concentrate on paying back the loan.

    Avatar for Daniel K on productreview.com.au

    Daniel K
    September 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

  • What a fantastic way to get ahead .. Very easy to apply with fast service. Thank you. Highly recommend SocietyOne to anyone that needs to get ahead

    NikkiP
    November 2017

  • 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

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.