Why consolidate debt with an Unsecured Personal Loan?
Borrow between $2k-$40k
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 and a fee. 1
Flexible loan repayments
Choose a loan term of 1-7 years to suit your circumstances and make weekly, fortnightly or monthly repayments.
1-7 years flexible loan term
From 12.99% p.a. variable interest rate *
14.06% p.a. comparison rate^
Pay your loan off sooner with fewer fees
1-5 years flexible loan term
From 12.99% p.a. fixed interest rate *
14.06% p.a. comparison rate^
Set repayments for simpler budgeting
How to apply for a loan
$195 Establishment fee#
$12 Monthly administration fee
$10 Per redraw on variable loans
$150 Early repayment fee if you fully repay the loan within the first 12 months
(you will also have to pay break costs on early repayment of a fixed rate loan)
$100 Early repayment fee if you fully repay the loan after the first 12 months and before the end of the loan term (you will also have to pay break costs on early repayment of a fixed rate loan)
$9 Fee when a direct debit order for payment from another institution is dishonoured
Credit criteria, fees, charges, terms and conditions apply.
This information has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information and, if necessary, seek appropriate professional advice. Read the above product disclosure documents as well as the before making a decision and consider whether the product is appropriate for you. If you need help, call 13 33 30.
^The comparison rate is based on an Unsecured Personal Loan with a loan amount of $30,000 and a term of 5 years. WARNING: This comparison rate applies only to the example or examples given. 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.
1. Redraw on Loan: 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 offer: Information current as at 22 August 2019. The offer is open to customers who apply and complete an application for a new fixed or variable rate St.GeorgeUnsecured Personal Loan by 30 September 2019 in Branch, by calling call 13 33 30 or online via the 'Apply now' application button on this page. For existing customers applying via the St.George Mobile Online Banking app please enter Special Offer Code ‘U9‘ to receive the offer. If approved, the Establishment fee will be waived, saving $195. This offer cannot be used in conjunction with any other offer and may be varied or withdrawn at any time. All other fees outlined on the Product page and in the Terms and Conditions apply. Interest rates are subject to change. Read the product Terms and Conditions, including the Internet and Phone Banking Terms and Conditions before making a decision and consider whether the product is appropriate for you. If you need help, call 13 33 30.