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

  • 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 9.99% p.a. fixed interest rate *
  • 11.08% p.a. comparison rate^ 
  • 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
    (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)

What is a break cost?
Break costs are an amount equal to our reasonable estimate of loss if you break a fixed rate loan term. You’ll need to pay break costs upon early payout or partial payment (in excess of the limit set out in the loan terms and conditions) of a fixed rate loan.

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

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Personal Overdraft

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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

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 Online Banking Terms and Conditions (PDF 224KB) before making a decision and consider whether the product is appropriate for you. If you need help, call 13 33 30.

*1.5% p.a. interest rate discount: Information correct as at 19 August 2020. Offer is only available to a customer who applies by 30 September 2020 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. Eligible customers will receive a special offer interest rate of from 9.99% p.a. (comparison rate 11.08% p.a.^) on a fixed rate St.George Unsecured Personal Loan, which represents a 1.5% discount on the current advertised from rate of from 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 outlined on stgeorge.com.au/personal/personal-loans/unsecured-loan. Read the product Terms and Conditions (PDF 213KB), including the Internet and Phone Banking Terms and Conditions (PDF 224KB) before making a decision and consider whether the product is appropriate for you. If you need help, call 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.

Our personalised pricing means the interest rate on an approved application may vary, based on the information you provided and our credit assessment criteria. Personalised pricing interest rates are from 9.99% p.a. to 15.90% p.a. Rates may change and margins may apply in some circumstances. Your loan is more likely to be approved if you’ve been with St.George for six months or more.

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.

1. 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.