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Life’s too short for regrets. Especially credit card ones.

  • Consolidate your debt with a low rate personal loan
  • Rates from as low as 7.50% p.a. (9.51% comparison rate* )
  • No monthly fees, hidden fees or early repayment fees
  • Check your rate with no impact to your credit score
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350 million in loans since 2013!

Here’s how much you could save by paying off $20,000 in credit card balances with a SocietyOne loan:

If you made the same monthly payments on a personal loan versus credit cards:

My Great Rate graph illustration

ANZ First Visa Credit Card with $10,000 balance and Commonwealth Bank Low Fee Mastercard with $10,000 balance

SocietyOne Personal Loan with $20,000 balance

How did we get these numbers?

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Won't impact your credit score.

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% - 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*


Monthly Repayment


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.

How we calculated potential savings

SocietyOne rates and fees are based on a Tier 1 unsecured 3 year $20,000 loan with an annual interest rate of 9.15% p.a. and a comparison rate of 11.18% p.a. Actual rates and fees depend on the applicant's credit record. Not all applicants will qualify for a loan. Annual interest rate is 19.74% p.a. for ANZ First Visa Credit Card and 19.74% p.a. for Commonwealth Bank Low Fee Mastercard. Credit card rates are based on published rates as at 1 August 2017 The savings calculation assumes that a monthly payment of $656.51 is made by the due date each month, with no other transactions.

The comparison rate is based on a $20,000 loan over 36 months. Example is only an illustration – increasing the monthly payment will reduce the interest paid.

Warning: The comparison rate is true only for the examples given and may not include all fees and charges. Different credit cards, terms, fees or other loan amounts might result in a different comparison rate.