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Why choose an Unsecured Personal Overdraft?

Access to additional funds when you need it

To cover unexpected expenses

Only pay interest on what you use

Not the full credit limit

Easy access

Through your Complete Freedom Account, when your account balance is $0

Key rate & fees

14.99% p.a.
Variable interest rate (charged daily)2
$500 - $20,000
Credit limit (subject to approval)
Monthly overdraft fee
Lending establishment fee

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 269KB), 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

Apply online within 20 minutes.
2.    We’ll then review your application and may ask you for more details to verify your income.
Upon final approval, access your funds from your Complete Freedom transaction account.

The Detail

Before making a decision, please read these documents to ensure you’re aware of all fees, charges and interest rates.
Overdraft T&Cs
General details for St.George overdrafts
Overdraft fees
Costs that may apply to overdrafts
Account T&Cs and Fees
Information on transaction, savings and investment account terms, fees and charges

Important information

Unsecured Personal Loans Overdraft General Terms and Conditions (PDF 1MB) - for customers approved before 18 March 2024.​​
Unsecured Personal Loans Overdraft General Terms and Conditions (PDF 1MB) - for customers who apply, or are approved, on or after 18 March 2024.

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 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 March 2024. Interest rates are subject to change.

2. Interest is charged daily and is charged on the balance owing on your account for the end of that day if it is a debit balance. If the balance owing on your account exceeds the overdraft limit (or if a transaction would cause this to happen) we may, without notice, decline, stop or reverse the transaction or we may choose to honour the transaction. You will be charged a fee when we exercise our discretion to honour the transaction. If the overdraft limit is exceeded, you must immediately repay the excess. Higher interest charges may apply until you do so.

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.