You’ll need to finalise and submit your application before 5th October 2021, as you won’t be able to retrieve it afterwards.
This is due to new regulations and system changes.
If you miss the 5th October cut-off date, you will need to start a new application.
Our fixed rates range from 4.99% p.a. to 12.99% p.a. (comparison rate 6.13% p.a.^ to 14.06% p.a.^)
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.
|4.99% p.a. to 12.99% p.a.
Interest rate range
|6.13% p.a. to 14.06% p.a.
Flexible loan term
|Set repayments for simpler budgeting|
Note: the first interest rate you see in your application may change once we've determined the value of your car. As well as our assessment of your credit history and the information provided in the application, you are more likely to be approved if you’ve been with St.George for six months or more.
|$12||Monthly administration fee|
|$195||Establishment fee (added to your loan amount). Excludes all government charges such as stamp duty, search fees, fees to register security interest with the Personal Property Securities Register|
|$150||Early repayment fee if you fully repay the loan within the first 12 months|
|$100||Early repayment fee if you fully repay the loan after the first 12 months and before the end of the loan term|
Fees are subject to change.
COVID-19 has impacted the time it takes to process and follow up on incomplete applications. To ensure we assess your application in a timely manner, please read the following sections carefully before applying.
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 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 18 June 2021. Interest rates are subject to change.
^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 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.
Secured Personal Loan repayment terms range from 1 to 5 years for a fixed rate loan. Interest rate ranges and representative examples are based on a secured loan of $30,000 borrowed for 5 years:
^^To qualify for a lower personalised interest rate on a Secured Personal Loan, the car offered as security must meet all criteria - either be new or if used, cannot be older than 12 years at the end of loan term, registered under the applicant’s name, 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.
Unless otherwise specified, the products and services described on this website are available only in Australia from St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.