Skip to main content Skip to main navigation Skip to accessibility page Skip to search input

Personal Loans

I would like to...

Would you like to offer a car as security? You could borrow up to $80,000 and get a lower interest rate.

Would you like to offer the car you're purchasing as security? You could borrow up to $80,000 and get a lower interest rate.

How would you like to access the funds for your renovation project?

Would you like to offer a car as security? You could borrow up to $80,000 and get a lower interest rate.

How would you like to access your funds?

Trying to get your debt under control? Consolidating multiple cards and loans with an Unsecured Personal Loan could be the answer.

You can use an Unsecured Personal Loan to combine balances from credit cards, store cards and other loans into one loan. This might be useful if you want to:

  • Simplify multiple debts to a single loan with one repayment and interest rate.
  • Borrow between $2,000 and $40,000 (conditions apply).
  • Choose a loan term of 1-7 years.
  • Select either a variable or fixed loan rate.
  • Make extra repayments throughout the life of your personal loan.
  • Redraw any extra repayments you've made, provided you're at least $500 ahead on your repayments (subject to approval).

 

Get your debt under control with a Secured Personal Loan and one of our lowest personal loan rates.

Consolidate the outstanding balances from credit cards, store cards and other loans into one loan, one rate and one repayment.

  • Simplify multiple debts to a single loan with one repayment and interest rate.
  • Borrow between $3,000 and $80,000 (conditions apply).
  • Choose a loan term of 1-7 years.
  • Select either a variable or fixed loan rate.
  • Fixed interest rate from 8.49% p.a. (comparison rate 9.60% p.a.^).

 

On the hunt for your next car? You could get a better deal on a loan if you offer a car as security.

A St.George Secured Personal Loan lets you offer your car as security to borrow as much as $80,000 at a lower rate than other loan types.

  • Borrow between $3,000 to $80,000 (conditions apply).
  • Set a loan term between 1 and 7 years and choose weekly, fortnightly or monthly repayments.
  • Use conditional approval to know what you could spend before you negotiate with the seller.*
  • Lock in a low fixed interest rate from 8.49% p.a. (comparison rate 9.60%p.a.^) or variable rate from 12.74% p.a. (comparison rate 13.81% p.a.^).
  • Apply online in only 10 minutes for new customers and 5 minutes for existing customers.

 

Planning a long-term renovation project?

A St.George Get Set Loan is an ongoing line of credit that you can use as you go, making it useful for projects that can take time, such as a new bathroom, kitchen or backyard.

  • Withdraw what you need as you need it from a dedicated account with a set credit limit.
  • Access money through your Complete Freedom account, using internet banking or mobile banking.
  • Pay interest only on what you use, rather than the full credit limit, so you don't pay more for the loan than you need to over the life of the project.

 

Ready to breathe life into your grand designs?

A St.George Unsecured Personal Loan could give you a lump sum to put towards the cost of your renovation.

  • Borrow between $2,000 and $40,000 (conditions apply).
  • Pay your loan off over a period that you choose between 1 and 7 years.
  • Select weekly, fortnightly or monthly repayments.
  • Make extra repayments throughtout the life of your personal loan.
  • Redraw any extra repayments you've made, provided you're at least $500 ahead on your repayments (subject to approval).

 

Ready to renovate but short on budget?

A St.George Secured Personal Loan could help you achieve your renovation goals sooner than you think at a better rate than other loan types.

  • Borrow between $3,000 and $80,000 (conditions apply).
  • Pay your loan off over a period that you choose between 1 and 7 years.
  • Select weekly, fortnightly or monthly repayments.
  • Apply online in only 10 minutes for new customers and 5 minutes for existing customers.
  • Offer your car as security to receive a lower interest rate than Get Set or Unsecured Personal Loans.

Ready to book your next getaway, business trip or a honeymoon, but need more funds to make it happen?

A St.George Unsecured Personal Loan could help you cover the cost of the plane tickets, hotels, tours and even travel accessories.

  • Borrow between $2,000 and $40,000 (conditions apply).
  • Pay your loan off over a period that you choose between 1 and 7 years.
  • Select weekly, fortnightly or monthly repayments.
  • Make extra repayments throughout the life of your personal loan.
  • Redraw any extra repayments you've made, provided you're at least $500 ahead on your repayments (subject to approval).

 

Looking for funds to start booking your wedding plans?

A St.George Unsecured Personal Loan could help you turn your research into venue dates and bridesmaids' dresses.

  • Borrow between $2,000 and $40,000 (conditions apply).
  • Pay your loan off over a period you choose between 1 and 7 years.
  • Select weekly, fortnightly or monthly repayments.
  • Redraw money from the amount you've repaid on a variable rate loan if you need to, provided you're at least $500 ahead on your repayments (subject to approval).
  • Apply online in only 10 minutes for new customers and 5 minutes for existing customers.

 

Ready for your first car or after an upgrade? Get started with an Unsecured Personal Loan from St.George.

An Unsecured Personal Loan could help you get into the driver's seat without having to offer an asset as security.

  • Borrow between $2,000 and $40,000 (conditions apply).
  • Set a loan term between 1 and 7 years and weekly, fortnightly or monthly repayments.
  • Use conditional approval to know what you could spend before you negotiate with the seller.*
  • Make extra repayments throughtout the life of your personal loan.
  • Redraw any extra repayments you've made, provided you're at least $500 ahead on your repayments (subject to approval).

 

Do you have multiple expenses on the horizon with separate payments due at different stages?

A St.George Get Set Loan is a reusable, ongoing line of credit that could help you cover several expenses over a period of time.

  • Withdraw what you need as you need it from a dedicated account with a set credit limit.
  • Access money through your Complete Freedom account, using internet banking or mobile banking.
  • Pay interest only on what you use, rather than the full credit limit, so you don't pay more for the loan than you need to over the life of the project.
  • Apply online in only 10 minutes for new customers and 5 minutes for existing customers.

 

Want to know the money’s there in case you need it? We hear you.

You can link a personal overdraft to your Complete Freedom account. If your balance can’t cover an unexpected expense, you can then still draw funds from the account up to a pre-approved credit limit. With a personal overdraft, you can:

  • Get started without paying an establishment fee
  • Access up to $20,000 credit limit
  • Pay no additional withdrawal, early repayment fee or exit fees. Withdrawals may need to be authorised.
  • Apply online in only 10 minutes for new customers and 5 minutes for existing customers.

 

Manage your personal loan

Information and guides to help you make the most of your personal loan. Learn to manage your loan, change repayment due dates and help minimise the fees you pay.

Tools and calculators

Interactive online services to help you choose your loan and understand how it works. Compare loan features and interest rates, calculate your borrowing power and estimate repayments.

Articles and FAQs

Want to know more about what your personal loan could do for you? Learn from our selection of content to make the most of your loan’s features and capabilities.

Credit criteria, fees, charges, terms and conditions apply.

Interest rates may change and margins may apply in some circumstances. The interest rate may vary based on the value of the car you offer as security.

The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you. Read the relevant product disclosure documents as well as the Online Banking Terms and Conditions (PDF 273KB) before making a decision and consider whether the product is appropriate for you. If you need help, call 13 33 30.

Note: you must draw down on your Get Set loan within 60 days of its approval or your loan account will be closed.

^ Comparison rates help you understand the true cost of a loan. They usually include the annual interest rate plus most fees and charges. The above comparison rates are based on an unsecured personal loan of $30,000 over 5 years and are only true for this example. Interest rate ranges and representative examples are: Based on an unsecured loan of $30,000 borrowed for 5 years with the minimum interest rate of 10.99% p.a. (11.88% p.a. comparison rate), the estimated total amount payable including fees is $39,922; and with the maximum interest rate of 19.99% p.a. (20.84% p.a. comparison rate), the estimated total amount payable including fees is $48,529. WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

* Conditional approval is valid for 30 days based on the understanding that the information you have provided is correct and there will be no significant changes to your financial situation. Before final approval, we will ask you for further details, including information about the car being offered as security. Please note that conditional approval is not a loan offer or formal approval. If your circumstances change, please contact us on 13 33 30 to discuss your application.