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.


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

  • 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

    August 2017

  • From the beginning I received timely advice & concise information via email, and over the phone, details on what statements & requirements needed could be streamlined a bit better, to make the process even quicker & easier to arrange. Beyond that minor detail, best loan option available by a long way, far better rate and service than the banks and pay day lenders. Overall experience was timely, efficient and a professional service throughout the whole process. Excellent outcome over all. Thank you.

    November 2017

  • Process was simple from the online application form to uploading documents. Thanks for the loan and for saving me heaps! Will recommend.

    Avatar for violet on

    November 2016

  • This is awesome. Quick and painless process. Every consltant I spoke to was so helpfull. Thank you so much this loan has helped so much to consolidate a debt that was getting beyond me.

    November 2017

Check out these and hundreds more customer reviews at logo

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
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 17.50% - 9.99%8.10% - 10.59%3.00% - 4.00%9.51% - 12.71%9.36% - 12.31%
Tier 210.49% - 11.49%11.39% - 12.39%4.25%13.38% - 14.40%13.23% - 14.25%
Tier 311.99% - 13.79%13.19% - 14.99%4.50%15.08% - 16.91%15.17% - 17.00%
Tier 414.99% - 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.

Example based on a SocietyOne Tier 1 loan for $10,000 with a 3 year term.

Comparison Rate*


Monthly Repayment


Total Repayments

36 x $320.39 = $11,534.20

*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% (comparison rate 9.51% - 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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