Consolidate your debt

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

For when 'it' happens

Quotes don't affect your credit score

Quotes don't affect your credit score!
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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.


  • Saw the add on tv and decided to give it a go to pay off a credit card. It was the friendliest smoothest transaction ever. A big thankyou.

    Avatar for Mick on productreview.com.au

    Mick
    September 2017

  • Society One has given me a chance that the big banks wouldn’t and funded a debt consolidation loan for me. Through some really tough family times over the last few years I had become deep in debt, the late payment fees and trying to keep track of my debts was extremely stressful. Now through Society One I have the opportunity to have one single payment with a manageable payment I feel like the world has lifted off my shoulders!!! Thank you so much, you cannot imagine the difference this has made to my family’s life!

    Avatar for Lilly on productreview.com.au

    Lilly
    November 2017

  • In the world that we live of being very hard to deal with banks Society One is a breath of fresh air!My loan was applied for and approved within a period of 48 hours and funds in my account within 72 hours.No hassles, straight forward and staff only too willing to help. Well done Society One!

    Avatar for Andy on productreview.com.au

    Andy
    September 2017

  • Quick and fast reply. Also quick to fund loan once approved. Recommend to all who need a loan to consolidate debt.

    Avatar for MikeS on productreview.com.au

    MikeS
    August 2017

  • 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

  • Everyone I dealt with was very helpful. The whole process was very quick and easy. It helped me consolidate some debt and made it manageable. Thanks Society One.

    Avatar for Hoody on productreview.com.au

    Hoody
    September 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.