Consolidate your debt with a low rate personal loan

Transfer your high interest credit card debt into a structured, unsecured personal loan with a rate tailored to you.

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No strings attached and it won't impact your credit score.

Why choose SocietyOne for debt consolidation?


Simple fee structure

Our loans feature one simple establishment fee. No monthly fee, no early repayment fees and no break costs. For more information on fees, see our Rates and Fees.

Flexible loan options

You can borrow up to $50,000 with flexible loan terms of 2, 3 or 5 years. Repayments can be made fortnightly or monthly.

Competitive interest rates

Our rates are determined by your credit score, so the better your credit, the better your rate. With rates from 7.88% p.a. / 9.90% p.a. comparison rate* for borrowers with excellent credit.

Fast online application

When credit card debt is mounting, it pays to get on top of it as soon as possible. To save you time, our application process is 100% online. This keeps our costs down and may save you money.

*The comparison rate is based on a SocietyOne Tier 1 (AA) unsecured personal loan of $10,000 over 3 years. Tier 1 (AA) borrowers will receive an interest rate between 7.75% - 8.99% (comparison rate 9.77% - 11.02% p.a.) depending on investor demand. WARNING: These comparison rates are true only for the example provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate.

Switch & Save

Switch your existing personal loan to SocietyOne and take advantage of our low interest rates.

“It really is the easiest transaction I think I have ever completed.”
Paul avatar

Paul, VIC

“This process is the fastest, most seamless way to borrow money - welcome to the revolution!”
Lovely avatar

Lovely, VIC

“SocietyOne was different. It saved me a considerable amount of money”
Jonny avatar

Jonny, Queensland

Make it happen.

Whether you want to consolidate debt, buy a car or go on a holiday, SocietyOne can help make it happen.

Our Rates


We never charge any monthly or early repayment fees.

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% - 8.99%8.60% - 9.84%3.00%9.77% - 11.02%9.87% - 11.12%
Tier 2 (A)8.99% - 9.49%9.94% - 10.44%4.00%11.69% - 12.20%11.65% - 12.15%
Tier 3 (B)9.49% - 10.99%10.54% - 12.04%4.50%12.53% - 14.06%12.47% - 14.00%
Tier 4 (C)10.99% - 13.99%12.14% - 15.14%4.75%14.23% - 17.29%14.21% - 17.27%
Tier 5 (D)13.99% - 25.49%15.24% - 26.74%5.00%17.46% - 29.21%17.48% - 29.26%
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 SocietyOneAA grade $10,000 unsecured personal loan for a 3 year term.


Comparison Rate*

9.90%

Monthly Repayment

$331.90

Total Repayments

36 x $331.90 = $11,947.30

*The comparison rate is based on a SocietyOne Tier 1 (AA) unsecured personal loan of $10,000 over 3 years. Tier 1 (AA) borrowers will receive an interest rate between 7.75% - 8.99% (comparison rate 9.77% - 11.02% p.a.) depending on investor demand. WARNING: These comparison rates are true only for the example 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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