One loan. One low interest rate, tailored to your credit history. Set your own debt-free date.
Get your personalised rate in less than 3 minutes.
Tracking multiple debts is a pain. Plus, it could cost you more in the long run, once you add up all the interest. Take control with just one loan, one interest rate and your own debt-free date.
Struggling and juggling deadlines could be a thing of the past. Consolidating your debt means one regular, manageable repayment amount throughout the term of your loan.
Do you know how much interest you’re paying across all of your loans? Hint: it could be a lot. Skip the hassle with a SocietyOne loan: one tailored low-interest rate that’s easy to manage.
We’re not a bank. We’re a society of people helping thousands of Australians access a fairer way to borrow money. SocietyOne debt consolidation loans are backed by lenders, people just like you, who want to help others get debt-free.
Our simple fee structure means you know exactly how much you’ll be paying, and when. We lay it all out for you at the start, before you decide whether to commit. See Rates & Fees for more details.
No paperwork, no cooling off periods. Once your loan is approved and funded, the money will appear in your account within 1-2 business days, so you can close your other debts right away.
Flexible loan options let you borrow up to $50,000 for 2, 3, or 5 years. Choose your loan term and enjoy a low interest rate on your way to being debt-free.
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. :)
nicolemoore1 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
Tammy Buswell September 2017
Having a few small high interest loans and a credit card - wasnt undo-able but wqnted lufe easier. Saw an ad on Morning Show and thought i would see if they could help me. A few clicks -and a quote was done. I accepted and then got a call to check a couple of details and it was done. All i had to do was accept the offer and now My loan payment is less than ONE of the small loans. I will have so much more freed up cash to put to my dream holiday. Thanks Society 1!
Demondeb December 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.
LHY December 2016
Check out these and hundreds more customer reviews at productreview.com.au
Imagine having all of your current debt balances paid off and knowing the exact date you will be debt free. With an unsecured loan you can consolidate your debts and take control of your finances.
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 |
|Interest Rate |
% p.a. (2-3 years)
|Interest Rate |
% p.a. (5 years)
|Comparison Rate |
% p.a. (2-3 years)2
|Comparison Rate |
% p.a. (5 years)3
|Tier 1||7.50% - 9.99%||8.10% - 10.59%||3.00% - 4.00%||9.51% - 12.71%||9.36% - 12.31%|
|Tier 2||10.49% - 11.49%||11.39% - 12.39%||4.25%||13.38% - 14.40%||13.23% - 14.25%|
|Tier 3||11.99% - 13.79%||13.19% - 14.99%||4.50%||15.08% - 16.91%||15.17% - 17.00%|
|Tier 4||14.99% - 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.
36 x $320.39 = $11,534.20
*SocietyOne rate is based on an unsecured personal loan of $over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between % - 9.99% (comparison rate % - 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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