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Personalised rates, fixed from 6.89% p.a. (comparison rate 8.01% p.a.^)

Our fixed rates range from 6.89% p.a. to 18.90% p.a. (comparison rate 8.01% p.a.^ to 19.93% p.a.^) 
 

Why consolidate debt with an Unsecured Personal Loan?

Borrow between $2k-$50k

Consolidate several credit cards, store cards and personal loans into a single debt balance.

A single interest rate

Know how much interest you're paying on the combined debts at any one time.

One regular repayment

Keep track of a single regular repayment on the combined debt.

Set an end-date for your loan

Every repayment reduces what you owe and gets you closer to paying off your loan.

Redraw facility on variable rate loans

Redraw money from the amount you've repaid, provided you're at least $500 ahead on your repayments. Each request is subject to approval.1

Flexible loan repayments

Choose a loan term of 1-7 years to suit your circumstances and make weekly, fortnightly or monthly repayments.

About our 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.

Fixed rate

6.89% p.a. to 18.90% p.a.
Interest rate range
8.01% p.a. to 19.93% p.a.
Comparison rate^
1-5 years
Flexible loan term
Set repayments for simpler budgeting

Variable rate

8.89% p.a. to 18.90% p.a.
Interest rate range
9.99% p.a. to 19.93% p.a.
Comparison rate^
1-7 years
Flexible loan term
Redraw facility available

Our standard variable rate is 12.99% p.a. (comparison rate 14.06% p.a.^) 

The rate for some customers is based on personalised pricing. The final rate you’re offered may be lower or higher than 12.99% p.a. (comparison rate 14.06% p.a.^), depending on your personal financial circumstances. 


Key fees

$195 Establishment fee
$12 Monthly administration fee
$0 Per redraw on variable loans
$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. 

The Detail

Before making a decision, please read these documents to ensure you’re aware of all fees, charges and interest rates.
Terms and conditions
General details of our personal loan products
Fees and charges
All costs for specific personal loan services and accounts

Before you apply

Follow this section to improve the likelihood your application is approved. 

  • You’re aged 18 or over
  • You have permanent residency in Australia/NZ  OR;
  • You’re a non-resident or migrant and hold an acceptable Visa (PDF 76KB), with a minimum 1 year before expiry 
  • You have a regular, verifiable Australian taxable income
  • You have a fixed, verifiable residential address in Australia.

How to apply for a loan

1.
Apply online in 10 minutes – 5 minutes for existing customers – depending on your internet connection.
2.
We’ll then review your application and may ask you for more detail to verify your income.
3.
Once your application is approved, we’ll invite you to review and accept the contract online.
4.
Upon final approval, we’ll credit the funds into your loan account.

More on debt consolidation

Learn how combining multiple debts into a single loan could help you simplify your debt and even pay less interest.

Calculators and resources

Use our online tools to learn more about your borrowing power and the types of loan we offer that could suit your purposes.

Frequently-asked questions

Learn from our selection of FAQ content to make the most of your loan’s features and capabilities.

Important information

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 (PDF 189KB) 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 27 September 2021. Interest rates are subject to change.

Our standard variable rate for unsecured variable rate loans is 12.99% p.a. (comparison rate 14.06%). The rate for some customers is based on personalised pricing. The final rate you’re offered may be lower or higher than 12.99% p.a. (comparison rate 14.06% p.a.), depending on your personal financial circumstances.

^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.

Unsecured Personal Loan repayment terms range from 1 to 5 years for a fixed rate loan and 1 to 7 years for a variable rate loan. 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 rate loan is 6.89% p.a. (Comparison rate 8.01% p.a.) with the estimated total amount payable including fees is $36,500.
  • The maximum interest rate for an unsecured fixed rate loan is 18.90% p.a. (Comparison rate 19.93% p.a.) with the estimated total amount payable including fees is $47,617.
  • The minimum interest rate for an unsecured variable rate loan is  8.89% p.a. (Comparison rate 9.99% p.a.) with the estimated total amount payable including fees is $38,231.
  • The maximum interest rate for an unsecured variable rate loan is 18.90% p.a. (comparison rate 19.93% p.a.). The estimated total amount payable including fees is $47,617.

1A Redraw facility is available 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.

**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.

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.