Get your rate now.

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
Product Reviews logo
4.5 stars

4.6 from 435 reviews

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?

Hurry, get your free rate quote and see how much you could save.

Get started

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
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.

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.