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Ready to get started?

Apply online 5 minutes – depending on your internet connection.
Need some help? Simply call us on 13 33 30 or head into your nearest branch and we’ll guide you through the process.
We’ll review your application and may ask you to verify your income with more detail.
Upon final approval, we’ll invite you to review and accept the contract online before crediting you the funds.

Why choose a Personal Loan for debt consolidation?

1% p.a. discount

Off the headline rate on new Unsecured Personal Loans. Now from 11.99% p.a. (comparison rate 13.07% p.a.) discounted from 12.99% p.a. Available until 31 March 2019.*

One regular repayment

Consolidate all your other debts to the loan so the debt you owe is manageable from one place.

Flexible loan repayment

Choose the length of your Personal Loan and make weekly, fortnightly or monthly repayments.

Set an end date

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

Borrow from $2,000 to $40,000

Pick a loan size that suits you based on the amount of debt you need to consolidate.

All your debt in one place

Keep track of a single regular repayment on your combined debt online or through the St.George app.

Variable rate

  • 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  

Fixed rate

  • 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

Key fees

  • $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

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

Important information

Credit criteria, fees, charges, terms and conditions apply.


*1% p.a. interest rate discount offer: Information correct as at 31 December 2018. The offer is open to customers who apply and are approved for a new fixed or variable rate St.George Unsecured Personal Loan by 31 March 2019 via the 'Apply now' application button on this page. Approved customers will receive a 1% p.a. discount off the current advertised from rate of 12.99% p.a. (comparison rate 14.06% p.a.) on new fixed or variable Unsecured Personal Loans, bringing the from rate to 11.99% p.a. (comparison rate 13.07% p.a.). Offer is open to single and joint applications. 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.

^ Comparison rates help you understand the true cost of a loan. They usually include the annual interest rate plus most fees and charges. 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 and may not include all fees and charges. 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.