Consolidating your debts
Are you...
Juggling multiple debts, interest rates and payment frequencies?
Struggling with unmanageable repayment amounts?
Sick and tired of juggling multiple repayments?
We could help
Debt consolidation may help you manage your repayments. One simple to manage unsecured personal loan, with one frequent repayment and one interest rate.
We offer loan terms from 1 to 7 years for variable interest rate loans and from 1 to 5 years for fixed interest rate loans to help to create more manageable repayments.
Choose how often you pay, weekly, fortnightly or monthly
Our instalments pay both the interest and principal so you can watch your debt decrease after each payment, working towards your loan end date.
Unsecured Personal Loan features
One loan, one recurrent repayment, one interest rate
Borrow from $3,000 to $40,000
Apply online - usually takes less than 10 minutes1
Enjoy a 1% p.a. discount and $0 establishment fee on fixed rate Unsecured Personal Loans when you apply before 8 September 2017*
Ready for action?
Fixed rate offer
Select fixed rate interest option to claim offer*
Variable rate
Standard variable rate applies
| Unsecured Personal Loan | Variable Rate option | Fixed Rate option |
|---|---|---|
| Interest rate from4 | 12.99% p.a. | 11.99% p.a. |
| Comparison rate2 | 14.06% p.a. | 12.78% p.a. |
| Loan term | 1 to 7 years | 1 to 5 years |
| Establishment fee | $195 | $0* (Offer available until 8th September 2017) |
| Monthly administration fee | $12 | $12 |
| Flexibility to pay off the loan sooner3 | ||
| Convenient redraw facility5 | ||
| Other Fees and Charges | Personal Loan Fees and Charges | |
| Interest rates | Unsecured Personal Loan interest rates |
Important information
Credit criteria, terms and conditions, fees and charges apply.
Before making a decision, it's best to read the terms and conditions:
- Secured and Unsecured Personal Loans
- Personal Loan Fees and Charges
- Get Set Loan
- Unsecured Personal Overdraft
The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it's right for you. If you need help, call 13 33 30.
1. Subject to system availability and St.George Lending criteria. Approval may take longer if application is referred for further review.
2. The comparison rate is based on an unsecured personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
3. Pre-payment fees apply. Break costs are payable on early payout or partial payment (in excess of the limit set out in the loan terms and conditions) of a fixed rate loan. Break costs are an amount equal to the Bank's reasonable estimate of its loss due to breaking of the fixed rate period or early repayment of a fixed rate personal loan.
4. The actual interest rate applicable to the loan will be based on the information you provide at the time of your application and our credit assessment. The rates available range from 10.99% p.a. to 19.99% p.a.
5. Redraw requests are subject to approval. Minimum redraw amount $500 and a redraw fee applies for each approved request. Other fees and charges may be payable.
*$0 establishment fee and discounted rate promotion: Offer of a fixed interest rate 11.99% (comparison rate 12.78%) and $0 establishment fee available to all customers who complete an application for a new fixed rate St. George Unsecured Personal Loan made via the Fixed Rate offer ‘Get Started’ button on this webpage before 8 September 2017. This offer is only available for the fixed rate Unsecured Personal Loan product. Credit criteria, fees, and charges apply. Terms and conditions available on request. All other fees and charges outlined on the product page and in the product disclosure statement apply.