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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?

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.
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.^^

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.

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
Redraw facility available

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

$195 Establishment fee
$12 Monthly administration fee
$0 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

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

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 a citizen or permanent resident of Australia, or hold an acceptable visa (PDF 76KB)
  • If you’re a non-resident, have confirmed employment in Australia.

How to apply for a loan

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

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 189KB) 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.

^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.

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.