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.

We're currently offering great low interest rates from:

7.50%

p.a.

9.51%

p.a.
(comparison rate*)

*SocietyOne rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. SocietyOne 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.


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.


  • had an answer within 48 hours you definitely have changed my life around and can see some light at the end of a tunnel all staff were very friendly and supportive

    Avatar for wayne on productreview.com.au

    wayne
    October 2017

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

    Deb
    December 2016

  • Tried to consolidate my loans under one roof...society one didn't let me down..I was very skeptical at first but was really convinced when I received the funding..now I'm able to pay my other loans at a very good rate..thanks society one!!!..

    Avatar for Gil on productreview.com.au

    Gil
    September 2017

  • This loan come to us at a great time, used it for consolidating a few debts to help us get back on track. Easy, fast and friendly to deal with, could not be more grateful. :)

    Avatar for nicolemoore1 on productreview.com.au

    nicolemoore1
    October 2017

  • After getting knocked back from rude banks I was a bit reluctant to apply I'm so happy to have paid off my never ending credit cards off today They were fast and very friendly and understanding will be doing my business with these guys from now on Thankyou again

    Avatar for Tammy Buswell on productreview.com.au

    Tammy Buswell
    September 2017

  • Such an easy process with the end result being a loan to pay out my credit cards. Great outcome Thank you Society One

    Avatar for Nglee on productreview.com.au

    Nglee
    August 2017

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

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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.

Money

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.

Smiling Woman

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 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*

9.51%

Monthly Repayment

$320.39

Total Repayments

36 x $320.39 = $11,534.20

*SocietyOne rate is based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. SocietyOne 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.

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Getting a quote will not impact your credit score.