Roll your debts into a single loan

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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Is debt consolidation right for you?


Eliminate multiple debts

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.

Own your repayment schedule

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.

Pay less interest

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 Can Help You

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.

How debt consolidation works.

  1. Get a free, no-obligation quote on a SocietyOne debt consolidation loan.
  2. Investors bid for your loan at the lowest interest rate available.
  3. Pay off your other loans with the borrowed amount.
  4. Get closer to your debt-free date with each repayment.

Benefits


Save on interest repayments.

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.

Take control from day one.

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.

Set your debt-free date.

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.

What our customers are saying


  • 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!

    Avatar for Sammy J J on productreview.com.au

    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.

    Avatar for Joe on productreview.com.au

    Joe
    November 2016

  • I could not be happier. The process was simple and efficient. Debt consolidation before Christmas is a great way to go into 2017.

    Avatar for Ray on productreview.com.au

    Ray
    December 2016

  • Got a fantastic interest rate, way better than the banks. Staff were very professional and loan was verified and funded very quickly. I'm extremely happy now that my finances are now in order & would certainly recommend SocietyOne to others. Thanks

    Avatar for Stealth on productreview.com.au

    Stealth
    July 2016

Check out these and hundreds more customer reviews at productreview.com.au

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Make It Happen

Get Started With a Quote

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.

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%15.11% - 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.


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

*Comparison based on a SocietyOne Tier 1 unsecured personal loan of $10000 over 3 years. Does not take into account promotional rates offered by banks. 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. 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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