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.
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
Everyone I dealt with was very helpful. The whole process was very quick and easy. It helped me consolidate some debt and made it manageable. Thanks Society One.
Hoody September 2017
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
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 :)
Karen November 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% - 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 a SocietyOne Tier 1 unsecured personal loan of $over 3 years. SocietyOne 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.
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