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.^)
Consolidate several credit cards, store cards and personal loans into a single debt balance.
Know how much interest you're paying on the combined debts at any one time.
Keep track of a single regular repayment on the combined debt.
Every repayment reduces what you owe and gets you closer to paying off your loan.
Redraw money from the amount you've repaid, provided you're at least $500 ahead on your repayments. Each request is subject to approval. ^^
Choose a loan term of 1-7 years to suit your circumstances and make weekly, fortnightly or monthly repayments.
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.
|6.89% p.a. to 18.90% p.a.
Interest rate range
|8.01% p.a. to 19.93% p.a.
Flexible loan term
|Set repayments for simpler budgeting|
|8.89% p.a. to 18.90% p.a.
Interest rate range
|9.99% p.a. to 19.93% p.a.
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.
|$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.
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.
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:
^^A 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.
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.