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.

Get a quote today - won’t impact your credit score
You can also retrieve an existing rate quote

We're currently offering great low interest rates from:

7.50%

p.a.

9.51%

p.a.
Comparison rate*

*Comparison based on a SocietyOne Tier 1 unsecured personal loan of $10000 over 3 years.  SocietyOne Tier 1 borrowers will receive an interest rate between 7.50% - 10.55% (comparison rate 9.51% - 13.28% 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.


  • 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

  • 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

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

    Deb
    December 2016

  • The whole process was professional yet simple. I can't thank you enough for helping me help myself. I needed a solution to help me get out of debt the best way possible & I thought I had hit a brick wall until I heard about you guys. I thought I would give it one last shot & thankfully you guys had faith in me, thank you thank you......

    Avatar for Moz on productreview.com.au

    Moz
    September 2017

  • 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

  • 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

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% - 10.55%8.35% - 11.40%3.00% - 4.00%9.51% - 13.28%9.61% - 13.13%
Tier 210.55% - 11.50%11.50% - 12.45%4.25%13.44% - 14.41%13.34% - 14.31%
Tier 311.50% - 13.96%12.55% - 15.01%4.50%14.58% - 17.09%14.52% - 17.02%
Tier 413.96% - 18.99%15.11% - 20.14%5.00%17.43% - 22.57%17.35% - 22.49%

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

*Comparison based on a SocietyOne Tier 1 unsecured personal loan of $10000 over 3 years.  SocietyOne Tier 1 borrowers will receive an interest rate between 7.50% - 10.55% (comparison rate 9.51% - 13.28% 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.