Travel and Holiday Loan | St.George Bank

Why?
Rates
Key fees
Details
How to apply

Apply now Apply now

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.

For starters, make sure you meet our eligibility basics

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.

Some things that could help

Check your credit report

As part of reviewing your application we look at the information on your credit report, which is produced by an independent credit bureau. This report shows a snapshot of your liabilities, available credit, and your repayment behaviour for these accounts. To learn more about credit reporting in Australia visit www.stgeorge.com.au/ccr.

It’s a good idea to view your own credit report and check your details are correct before starting your application. You can do this for free by visiting the credit bureau website directly, or via CreditSmart.org.au. We work with three bureaus: Equifax, illion and Experian, so you might like to check the report produced by each of them.

Get your documents and information ready

Before starting your application, make sure you have everything in the list below:

Current employer’s name, address and phone number
Your income information from the last 3 months, such as including payslips, bank statements and rental income (you won’t need this if your pay already goes into a St.George bank account)
Recent tax information if you're self-employed
Asset, savings and investment details
Details of all existing liabilities that are in your name (e.g. personal loans, other credit or store cards, ‘interest-free’ instalment purchases, home loan)
All your regular monthly expenses (including school fees, insurance, utilities etc.)

If you are an existing St.George customer, you will also need to:

Apply as an Existing Customer in the application form and log in to your account
Once logged in, double-check that your personal details (name, address etc) are up-to-date. If not, log in to internet banking to update them. Allow 24 hours for records to update.

Double-check your application before pressing ‘Submit

Don’t make multiple applications

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.

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 189KB)

Fees and Charges (PDF 117KB)

Internet Phone Banking Terms and Conditions (PDF 419KB)

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.

Travel Loan