Consolidate your debt with a low rate personal loan.

Transfer your high interest credit card debt to an unsecured personal loan with a rate tailored to your good credit.

Won't impact your credit score!
You can also retrieve an existing rate quote.

We're currently offering great low interest rates from:

7.88%

p.a.

9.90%

p.a.
Comparison rate*

*The comparison rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. Tier 1 borrowers will receive an interest rate between 7.75% - 9.20% (comparison rate 9.77% - 11.23% 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.


A better way to pay off your credit cards.


Don’t fall into the trap of transferring your balance from one card to another. Join the thousands of Australians who we’re helping to pay off their credit cards for good with the help of a low interest, fixed rate, personal loan. Here’s how much you could save by paying off $20,000 in credit card balances with a SocietyOne personal loan:

How we calculated potential savings

Debt consolidation chart

Don't just take our word for it.


  • Forget the banks!

    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

  • Simple and efficient

    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

  • Top Quality Service

    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

  • Really easy

    This helped me tidy up bills. Feels good. Just paying one payment makes it easier to manage your money. Thank you!

    Deb December 2016

  • Quick and Easy

    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 productreview.com.au

    violet November 2016

  • Great lending organization.

    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

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

productreview.com.au logo

Why it makes sense to consolidate debt.


cupcake

One, easy to manage repayment

Managing one fortnightly or monthly repayment can make it much easier to stay on top of debt and track your repayments. Juggling multiple repayments is not only a pain but it can lead to late repayment fees if you’re not careful.

Save on interest and ongoing fees

With many loans or credit cards comes a variety of fees and interest rates. Consolidating your debt into one fixed, low rate personal loan means you only have one interest rate and a lot less ongoing fees to worry about.

Pay off your debt sooner

With a SocietyOne personal loan you can repay your loan in full as fast as you wish. We charge no early repayment fees or break costs so take those savings and drive down your debt faster!


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 1 (AA)7.75% - 9.20%8.60% - 10.05%3.00%9.77% - 11.23%9.87% - 11.33%
Tier 2 (A)10.30% - 10.90%11.25% - 11.85%4.00%13.02% - 13.63%12.98% - 13.59%
Tier 3 (B)10.90% - 12.00%11.95% - 13.05%4.50%13.97% - 15.09%13.91% - 15.03%
Tier 4 (C)12.00% - 14.80%13.15% - 15.95%5.00%15.43% - 18.29%15.35% - 18.21%
Tier 5 (D)14.80% - 24.25%16.05% - 25.50%6.00%18.97% - 28.67%18.75% - 28.48%

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*

9.90%

Monthly Repayment

$322.20

Total Repayments

36 x $322.20 = $11,599

*The comparison rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. Tier 1 borrowers will receive an interest rate between 7.75% - 9.20% (comparison rate 9.77% - 11.23% 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.

Get a quote online, in minutes.

Getting a quote will not impact your credit score.