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.
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You can also retrieve an existing rate quote
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.
I could not be happier. The process was simple and efficient. Debt consolidation before Christmas is a great way to go into 2017.
Ray December 2016
I have been so impressed with every aspect of SocietyOne. From the great rates they offer to the customer service, I have called multiple times and every time I'm straight through to a cheery helpful aussie. This is a company I would invest with.Keep it up and thank you for taking some of the power away from the banks, companies like this might actually teach them that they can't treat us like dirt!
Sammy J J December 2016
It was fairly easy to apply. Quick response. Good interest rate. Win win. This is what banking should be. Will recommend to friends & family.
Joe November 2016
Saw the add on tv and decided to give it a go to pay off a credit card. It was the friendliest smoothest transaction ever. A big thankyou.
Mick September 2017
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% - 10.55%||8.35% - 11.40%||3.00% - 4.00%||9.51% - 13.28%||9.61% - 13.13%|
|Tier 2||10.55% - 11.50%||11.50% - 12.45%||4.25%||13.44% - 14.41%||13.34% - 14.31%|
|Tier 3||11.50% - 13.96%||12.55% - 15.01%||4.50%||14.58% - 17.09%||14.52% - 17.02%|
|Tier 4||13.96% - 18.99%||15.11% - 20.14%||5.00%||17.43% - 22.57%||17.35% - 22.49%|
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
*Comparison based on a SocietyOne Tier 1 unsecured personal loan of $over 3 years. SocietyOne Tier 1 borrowers will receive an interest rate between % - 10.55% (comparison rate % - 13.28% 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.
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