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Learn how we can help you manage your repayments and loan balance over the life of the loan, plus minimise fees and charges.
Use our online tools to learn more about your borrowing power and the types of loan we offer that could suit your purposes.
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 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 This offer cannot be used in conjunction with any other offer and may be varied or withdrawn at any time.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:
^^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.