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Turn everyday goals and big life plans into reality with our personal loans.
Personal loan needs Calculators Our personal loans Tools & support Personal loan needs Calculators Our personal loans Tools & support Unsecured Personal Loan Secured Personal Loan Unsecured Personal Loan Secured Personal Loan I want to: Buy a car Consolidate my debts Go on a holiday Renovate my home Buy a boat or jet ski Pay for a wedding Why choose St.GeorgePersonalised rates**
Know that you're getting the best rate for your needs.
Fast response
Apply online and get a response within 60 seconds.
Be in control
Choose your loan term and repayment frequency.
Flexibility
Access your extra repayments free of charge1.
Calculators Borrowing Power CalculatorEstimate the maximum amount you could borrow when you apply for one of our personal loans.
Secured Loan CalculatorEstimate your repayments for our secured personal loan.
Personal Loan Repayment CalculatorEstimate your repayments with our unsecured personal loan.
Our Personal Loans Fixed rate Personal LoanFeatures
Borrow $2k - $50k $0 extra repayment fee#Rates & fees
Fixed interest:聽7.49% p.a. to 20.59% p.a.聽 Comparison:聽8.54% p.a. to 21.59% p.a.^ Establishment fee:聽$250## Account fee: $15/monthOther fees and charges may apply.
Estimated weekly repayments:聽$79, based on a 7-year loan term of $15,000 with a median interest rate of 16.09% p.a. (comparison rate of 17.10% p.a.).>>
Find out more Find out more Apply now Apply now Variable rate Personal Loan
Features
Borrow $2k - $50k $0 redraw1 and exit fee#Rates & fees
Variable interest:聽7.49% p.a. to 20.59% p.a.聽 Comparison:聽8.54% p.a. to 21.59% p.a.^ Establishment fee:聽$250## Account fee: $15/monthOther fees and charges may apply.
Estimated weekly repayments:聽$79, based on a 7 year loan term of $15,000 with a median interest rate of 16.09% p.a. (comparison rate of 17.10% p.a.).>>
Find out more Find out more Apply now Apply now Secured Personal Loan^^
Features
Borrow $3k - $100k A lower rate^^Rates & fees
Fixed interest:聽6.49% p.a. to 12.99% p.a.聽 Comparison:聽7.69% p.a. to 14.14% p.a.^ Establishment fee:聽$250## Account fee:聽$15/monthOther fees and charges may apply.
Estimated weekly repayments:聽$133, based on a 7 year loan term of $30,000 with a median interest rate of 10.99% p.a. (comparison rate of 12.16% p.a.).>>
Find out more Find out more Apply now Apply now What's the difference between a Fixed and Variable rate Loan?
A fixed rate loan gives you the security of knowing what your repayments are and protects you against interest rate rises for the life of the loan.
A variable rate loan gives you flexibility, as you can pay extra off your loan# and request to redraw1 those extra payments if and when you need them.
Tools & support Compare our personal loans Personal Overdraft (no longer for sale) Manage my existing personal loan Get Set Loan (no longer for sale) Frequently Asked Questions What's the difference between a Secured and Unsecured Personal Loan?A secured loan requires an asset, such as a car, as security for your personal loan. If you don't repay your loan, the lender can sell the asset to cover the cost of the loan.
An unsecured loan doesn't require an asset for your personal loan.
How fast is the application process?It usually takes less than 15 minutes to complete your application online. Once we receive your completed online application, you will receive a response within 60 seconds.
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Contact us Contact usImportant information
Personal Loan General Terms and Conditions (PDF 1MB)
Fees and Charges (PDF 1MB)
Internet Phone Banking Terms and Conditions (PDF 2MB)
Unsecured Personal Loans Overdraft General Terms and Conditions (PDF 1MB)
Any advice on this website is general in nature and has been prepared without considering your objectives, financial situation or needs. Please read the product disclaimer and Terms and Conditions documents and consider your individual circumstances before applying for a St.George Personal Loan. Credit criteria, fees, charges, terms and conditions apply. Information correct as of 23 July 2024. Interest rates are subject to change.
Our standard variable rate for unsecured variable rate loans is 14.99% p.a. (comparison rate 16.00% p.a.). The rate for some customers is based on personalised pricing. The final rate you're offered may be lower or higher than 14.99% p.a. (comparison rate 16.00% p.a.), depending on your personal financial circumstances.
**Personalised rates: The rate for some customers is based on personalised pricing. Instead of a one-size-fits-all approach, personalised pricing allows us to offer more people personal loans at a better rate, based on an assessment of credit history as well as the information provided in the application.
1A Redraw facility is ailable on variable interest rate loans only. Redraw requests are subject to approval. Minimum redraw amount is $500 and a $0 redraw fee applies to each approved request. Other fees and charges may apply.
#Loan discharge fee of $150 for a Fixed rate Personal Loan if you fully repay the loan within the first 12 months, or $100 if you fully repay the loan after the first 12 months and before the end of the loan term.
^Comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan amounts and terms will result in different comparison rates. Costs such as loan discharge fees, and cost sings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Unsecured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years:
The minimum interest rate for an unsecured fixed & variable rate loan is 7.49% p.a. (Comparison rate 8.54% p.a.) with the estimated total amount payable including fees is $36,960. The maximum interest rate for an unsecured fixed & variable rate loan is 20.59% p.a. (Comparison rate 21.59% p.a.) with the estimated total amount payable including fees is $49,284.Secured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a secured loan of $30,000 borrowed for 5 years:
The minimum interest rate for a secured fixed rate loan is 6.49% p.a. (Comparison rate 7.69% p.a.) with the estimated total amount payable including fees is $36,224. The maximum interest rate for a secured fixed rate loan is 12.99% p.a. (Comparison rate 14.14% p.a.) with the estimated total amount payable including fees is $42,008.##The lending establishment fee will be deducted from your loan amount. Please read full terms and conditions & fees and charges before making a decision to apply for a St.George Personal Loan.
>>Repayment amount examples: help you understand the estimated weekly cost of a personal loan. All repayment amount examples are shown for a loan term of 7 years with a weekly repayment schedule using the erage customer loan amount over the last 12 months. Information as of 27 November 2023
For a fixed rate Unsecured Personal Loan based on a borrowing amount of $15,000 and term of 7 years with a median interest rate of 16.09% p.a. (comparison rate of 17.10% p.a.), the weekly repayment amount including fees is $79. For a variable rate Unsecured Personal Loan based on a borrowing amount of $15,000 and term of 7 years with a median interest rate of 16.09% p.a. (comparison rate of 17.10% p.a.), the weekly repayment amount including fees is $79. For a Secured Personal Loan based on a borrowing amount of $30,000 and a term of 7 years with an interest rate of 10.99% p.a. (comparison rate 12.16% p.a.), the weekly repayment amount including fees is $133.^^To qualify for a Secured Personal Loan, applicant must meet all credit criteria and the car offered as security must meet all criteria - either new or if used, cannot be older than 7 years at time of application, registered under the applicant's name once purchased, has been made locally or imported by the manufacturer, has never been written off (even if it was repaired), has a paid, fully comprehensive insurance policy with St.George noted as the financier and is for personal use only. The loan amount may exceed the vehicle's market value, as defined by St.George, to cover the purchase price of the vehicle and other expenses.
Unless otherwise specified, the products and services described on this website are ailable only in Australia from St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
Contact us Locate us Security About us Privacy Careers Disclaimer Accessibility Sitemap Follow us on Facebook Follow us on Twitter Follow us on Linkedin Follow us on YouTubeFor St.George issued products, conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are ailable on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Target Market Determinations for the products are ailable. Unless otherwise specified, the products and services described on this website are ailable only in Australia from 漏 St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.