Consolidate
your debt

Cut the stress and the high interest by consolidating your debt into a low rate personal loan

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Low Rates

From 7.50% p.a
(9.51% p.a. comparison rate*)

No Ongoing Fees

No monthly or early
repayment fees

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as little as 1 minute

Personal loans that reward good credit

The better your credit history, the lower your rate on a personal loan!

RATES FROM

7.5% p.a.

COMPARISON RATES FROM

9.51% p.a.

*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% p.a. (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest 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. Establishment fee applies.

Consolidate debt

A personal loan is often used to consolidate debts into a single repayment or pay for expenses like holidays, weddings and cars that would be difficult to pay off within the interest free period on a credit card, plus:

  • Budgeting is easier with one regular payment
  • Our great low rates mean you could save money on fees and interest
  • No monthly or early repayment fees mean you could pay your debt off sooner!

Get ready to apply

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Applying is easy

1

Get your rate

In as little as 1 minute we’ll give you a rate based on your credit history

3

Get your funds

Once approved, we’ll have the funds in your account within
a few days!

2

Apply online

Most people finish their application within 5 minutes

Check out our rates

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
Interest Rate % p.a. (2-3 years)
7.50% – 9.99%
Interest Rate % p.a. (5 years)
8.10% – 10.59%
Establishment Fee
3.00% – 4.00%
Comparison Rate % p.a. (2-3 years)²
9.51% – 12.71%
Comparison Rate % p.a. (5 years)³
9.36% – 12.31%
Tier 2
Interest Rate % p.a. (2-3 years)
10.49% – 11.49%
Interest Rate % p.a. (5 years)
11.39% – 12.39%
Establishment Fee
4.25%
Comparison Rate % p.a. (2-3 years)²
13.38% – 14.40%
Comparison Rate % p.a. (5 years)³
13.23% – 14.25%
Tier 3
Interest Rate % p.a. (2-3 years)
11.99% – 13.79%
Interest Rate % p.a. (5 years)
13.19% – 14.99%
Establishment Fee
4.50%
Comparison Rate % p.a. (2-3 years)²
15.08% – 16.91%
Comparison Rate % p.a. (5 years)³
15.17% – 17.00%
Tier 4
Interest Rate % p.a. (2-3 years)
14.99% – 18.19%
Interest Rate % p.a. (5 years)
16.79% – 19.99%
Establishment Fee
5.00%
Comparison Rate % p.a. (2-3 years)²
18.48% – 21.75%
Comparison Rate % p.a. (5 years)³
19.07% – 22.34%

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: $11,534.20 (36 x $320.39)

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.

*SocietyOne rate is based on an unsecured personal loan of $10,000 over 3 years to a borrower with excellent credit (Tier 1 borrower). Tier 1 borrowers will receive an interest rate between 7.50% - 9.99% p.a. (comparison rate 9.51% - 12.71% p.a.) depending on investor demand. Higher Tier borrowers will receive higher interest rates. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate. Establishment fee applies.

See how much you could save with our repayment calculator

Don't just take our word for it

“Pretty happy with the service, easy to talk to someone and very happy with my loan. Save a fair bit by consolidating my loans.”

Ron

“Company is efficient and  quick with regard to their service. Will definitely refer to family and  friends. Don’t make the clients wait on the phone unlike other companies.  More power.”

Josephine

“Customer service was excellent. I received a call almost straight away when I lodged my application. The process was very simple and fast! I would definitely recommend Society One to anyone looking for a loan that is very competitive.”

Frances T

“Customer service has been fantastic very efficient. The loan rate is reasonable & has helped at an important time.The paperwork is so simple you can do it from your phone.”

BDH

“I found it was a very easy way to apply for a loan to pay off my credit card and personal loan I had with amazing interest rates I wish I had found them years ago I would have saved thousands not just a few hundred.”

BNT

“Best customer service with a very great rate. I found the whole process very easy, and was pleasantly surprised with the interest rate I was offered. Overall I would not hesitate in recommending society one.”

Trev

Find out your rate now

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Resources

When is debt consolidation a
good idea?

Debt consolidation is a financial strategy that still has stigma and fear around it for most, so here’s a few ways to understand if debt consolidation may be the right choice for you and your current financial situation.

Find out more
A woman looking at her tablet
What is debt consolidation, and should you be doing it?

Debt consolidation is where you take out one loan to pay off others, whether that’s two or more credit cards, other personal loans or a mixture of finance that might also include an existing car loan, for example.

Find out more

Frequently Asked Questions

+Are there any other fees and charges?

We charge a one-off establishment fee. This is included in your total loan amount. There are no monthly fees or early repayment fees. So you have the security of a fixed rate loan, with the flexibility to pay it off early.

+How do I make repayments?

Repayments can be made in either fortnightly or monthly instalments, by direct debit.

If you wish to make extra payments, please contact our customer service team on 1300 144 221. There are no fees or penalties for making extra payments or paying off your loan early.

If you are experiencing financial hardship and are having difficulty repaying your loan please call customer service on 1300 144 221.

+Can I repay my loan early? Can I make extra payments?

Yes, absolutely. SocietyOne encourages responsible borrowing and provides repayment flexibility. You can either pay out your loan early or make lump sum payments during the life of your loan with no extra fees or penalty. If you wish to pay off your loan completely then please gives us a call on 1300 144 221 so that we can give you an accurate settlement quote.

Whether you want to consolidate debt, buy a car or go on holiday, we've got a loan for you!

Due to the Easter long weekend, our customer team will be taking a short break and will return Tuesday 9am AEST. We wish all of our customers a safe and happy break.