Personalised rates, fixed from 6.89% p.a. (comparison rate 8.01% p.a.^)
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.^)
Why travel with an Unsecured Personal Loan?
How could you use an Unsecured Personal Loan?
About our 'personalised' rates
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.
Fixed rate
| 6.89% p.a. to 18.90% p.a. Interest rate range |
| 8.01% p.a. to 19.93% p.a. Comparison rate^ |
| 1-5 years Flexible loan term |
| Set repayments for simpler budgeting |
Variable rate
| 8.89% p.a. to 18.90% p.a. Interest rate range |
| 9.99% p.a. to 19.93% p.a. Comparison rate^ |
| 1-7 years Flexible loan term |
| Pay your loan off sooner with fewer fees |
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.
Key fees
| $12 | Monthly administration fee |
| $0 | Per redraw on variable loans |
| $195 | Establishment fee |
| $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 |
| Break costs | If you choose to repay your fixed rate loan early in full or prepay at least $5,000 in any 12 month period or if your fixed rate loan is in default - break costs may apply. These costs are equal to the reasonable estimate of our loss for breaking a fixed loan term. Please refer to the Personal Loan Terms and Conditions for more details. |
Fees are subject to change.
The Detail
Prep for application success
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
- Be aged 18 years or over
- Have a regular permanent income before tax of at least $35,000 p.a.
- Be an Australian citizen or have a permanent residency visa
- If you’re a non-resident, have confirmed employment in Australia.
How to apply for a loan
More on personal loans
Learn how we can help you manage your repayments and loan balance over the life of the loan, plus minimise fees and charges.
Tools and calculators
Use our online tools to learn more about your borrowing power and the types of loan we offer that could suit your purposes.
Frequently-asked questions
Learn from our selection of FAQ content to make the most of your loan’s features and capabilities.
Important information
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 (PDF 353KB) 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:
- The minimum interest rate for an unsecured fixed rate loan is 6.89% p.a. (Comparison rate 8.01% p.a.) with the estimated total amount payable including fees is $36,500.
- The maximum interest rate for an unsecured fixed rate loan is 18.90% p.a. (Comparison rate 19.93% p.a.) with the estimated total amount payable including fees is $47,617.
- The minimum interest rate for an unsecured variable rate loan is 8.89% p.a. (Comparison rate 9.99% p.a.) with the estimated total amount payable including fees is $38,231.
- The maximum interest rate for an unsecured variable rate loan is 18.90% p.a. (comparison rate 19.93% p.a.). The estimated total amount payable including fees is $47,617.
^^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.
##Break costs are an amount equal to the Bank's reasonable estimate of its loss due to breaking the fixed rate period of the loan. Full details of costs refer to Loan Account Fees and Charges document (PDF 1MB).
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.