Personal loans

Travel Loan

Use an Unsecured Personal Loan to book your next holiday.

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Why travel with an Unsecured Personal Loan?

Set an end-date
Every repayment reduces what you owe and gets you closer to paying off the cost of your trip.
Borrow up to $50,000
Borrow $2,000–$50,000, then use the funds to confirm the details of your itinerary.
Flexible loan repayments
Choose a term of 1-7 years, make weekly, fortnightly or monthly repayments and repay early without incurring break costs (an early repayment fee will apply).
Redraw if you need to
Redraw money on variable rate loans from the amount you've repaid if you need to, provided you're $500 ahead on your repayments. Each request is subject to approval and a fee.1

How could you use an Unsecured Personal Loan?

Purchase flights
Use funds to start joining the dots in your itinerary by booking flights, rail passes and bus tickets or be ready when you see a sale on airfares.
Book where you’ll stay
Stop researching and start booking the hotel rooms, apartments and hostels you want to stay in along the way.
Buy travel accessories
Whether you’re backpacking around India or doing the Tongariro crossing, an Unsecured Personal Loan could help you get the equipment you need.

Variable rate

  • From 12.99% p.a. variable interest rate
  • 14.06% p.a. comparison rate^
  • 1-7 years flexible loan term
  • Pay your loan off sooner with fewer fees  

Fixed rate

  • From 9.99% p.a. fixed interest rate~
  • 11.08% p.a. comparison rate^
  • 1-5 years flexible loan term  
  • Set repayments for simpler budgeting

Our personalised pricing means your loan interest rate may vary depending on our credit assessment and the detail you provide us in your application. As a result, the interest rate we offer you may vary; for a Fixed Rate Unsecured Personal Loan the rate will range between 9.99% p.a.~ (comparison rate 11.08% p.a.^) and 15.90% p.a. (comparison rate 16.95% p.a^); and for a Variable Rate Unsecured Personal Loan the rate will range between 12.99% p.a. (comparison rate 14.06% p.a.^) and 18.90% p.a. (comparison rate 19.93% p.a.^). The Interest Rate will be presented to you on your loan offer contract.

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
  • $100 Early repayment fee if you fully repay the loan after the first 12 months and before the end of the loan term
  • Break cost 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

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

How to apply for a loan

1.
Apply online in 10 minutes – 5 minutes for existing customers – depending on your internet connection.
2.
We’ll then review your application and may ask you for more detail to verify your income.
3.
Once your application is approved, we’ll invite you to review and accept the contract online.
4.
Upon final approval, we’ll credit the funds into your loan account.
Apply now

Not right? Try these

Personal Overdraft

Be ready to cover unexpected expenses

Secured Loan

Offer a car as security
for a lower rate

View all personal loans

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

Terms and Conditions (PDF 213KB)

Fees and Charges (PDF 183KB)

Internet Phone Banking Terms and Conditions (PDF 226KB)

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 213KB) 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 9 February 2021.

~1.5% p.a. interest rate discount: Information current as at 18 February 2021. Offer is only available to a customer who applies by 15 April 2021 and is approved for a new fixed rate St.George Unsecured Personal Loan application via the ‘apply online’ application link, by calling 13 33 30, or by visiting a branch. Offer is not available when refinancing existing Westpac Group (including Westpac, St.George, BankSA & Bank of Melbourne) personal loans. Eligible customers will receive a special offer interest rate of from 9.99% p.a. (comparison rate 11.08% p.a.) on a new fixed rate Unsecured Personal Loan, which represents a 1.5% discount on the current advertised from rate of 11.49% p.a. (comparison rate 12.57% p.a.). This offer is open to single applicants only. This offer cannot be used in conjunction with any other offer and may be varied or withdrawn at any time. All other fees are outlined on Unsecured Personal Loan and in the Terms and Conditions (PDF 213KB) apply. Our personalised pricing means your loan interest rate may vary depending on our credit assessment and the detail you provide us in your application. As a result, the interest rate we offer you may vary and will be presented to you on your loan offer contract. Read the product Terms and Conditions (PDF 213KB), including the Internet and Phone Banking Terms and Conditions (PDF 226KB) before making a decision and consider whether the product is appropriate for you. If you need help, please call us on 13 33 30.

^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 9.99% p.a. (Comparison rate 11.08% p.a.) with the estimated total amount payable including fees is $39,204.
  • The maximum interest rate for an unsecured fixed rate loan is 15.90% p.a. (Comparison rate 16.95% p.a.) with the estimated total amount payable including fees is $44,681.
  • The minimum interest rate for an unsecured variable rate loan is 12.99% p.a. (Comparison rate 14.06% p.a.) with the estimated total amount payable including fees is $41,932.
  • 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 $10 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 183KB).

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.