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*)

*SocietyOne rate is 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. 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.


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.


  • Quick and fast reply. Also quick to fund loan once approved. Recommend to all who need a loan to consolidate debt.

    Avatar for MikeS on productreview.com.au

    MikeS
    August 2017

  • The whole process was professional yet simple. I can't thank you enough for helping me help myself. I needed a solution to help me get out of debt the best way possible & I thought I had hit a brick wall until I heard about you guys. I thought I would give it one last shot & thankfully you guys had faith in me, thank you thank you......

    Avatar for Moz on productreview.com.au

    Moz
    September 2017

  • 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

  • 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

  • Hi Team,I cannot say thank you enough. After being made redundant, as well as a single Mom, I had to rely on credit cards to get me through and the spending just got out of hand with multiple payments at different times of the month which was so stressful!This loan has literally saved my life. The process was so easy and the money was deposited within 2 days - extremely impressed.I can now get on with my life without the dread of so many bills, as now I only have to make one fortnightly payment and am saving so much in credit card interest.I will definitely be telling my friends and family.Thanks again :)

    Avatar for Karen on productreview.com.au

    Karen
    November 2017

  • Very prompt processing, was anxious because it all seemed to be going so smoothly. Less than a week after the initial enquiry and the other accounts have been paid out and closed. Feel a lot less stressed now knowing one payment and at the end of it overall debt will be substantially reduced.

    Avatar for Deanna on productreview.com.au

    Deanna
    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%15.26% - 20.29%5.00%17.43% - 22.57%17.50% - 22.65%

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 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. 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.

Get a quote online, in minutes.

Getting a quote will not impact your credit score.