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Every repayment reduces what you owe and gets you closer to paying off your loan.
Choose a loan size that suits you based on the amount of debt you need to consolidate.
Choose a loan term of 1-7 years to suit your circumstances and make weekly, fortnightly or monthly repayments.
With an unsecured personal loan, you don't have to offer your car as security for your loan.
Redraw money from the amount you've repaid if you need to, provided you're at least $500 ahead on your repayments. Each request is subject to approval and a fee.1
Viewing and tracking your loan is convenient – it’s all in the one place on the mobile banking app.
Yup - the fixed interest rate on our Unsecured Personal Loan has indeed dropped. And that’s got to help, whether you’re looking to fund that trip you’ve been thinking of, a set of wheels or something else.
This calculator helps you estimate how much your personal loan repayments could be#.
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.
Credit criteria, fees, charges, terms and conditions apply.
The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you. Read the above product disclosure documents as well as the before making a decision and consider whether the product is appropriate for you. If you need help, call 13 33 30.
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:
• with the minimum interest rate for a fixed rate loan of 11.49% p.a. (comparison rate 12.57% p.a.) or with the minimum interest rate for a variable rate loan of 12.99% p.a. (comparison rate 14.06% p.a.), the estimated total amount payable including fees is $40,555 or $41,932 respectively; and
• with the maximum interest rate for a fixed rate loan of 17.40% p.a. (comparison rate 18.44% p.a.), or with the maximum interest rate for a variable rate loan of 18.90% p.a. (comparison rate 19.93% p.a.), the estimated total amount payable including fees is $46,136 or $47,617 respectively.
^ Comparison rates help you understand the true cost of a loan. The comparison rate is based on an Unsecured Personal Loan with a loan amount of $30,000 and a term of 5 years. WARNING: This comparison rate applies only to the example or examples given. Different 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.
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.
# Repayment Calculator assumptions
Any calculation made by you using this calculator is intended as a guide only. It is for illustrative purposes only and is based on the accuracy of the information provided. The calculator does not take stamp duty or other government charges into account. The calculations does not constitute an offer from St.George.
Length of month
All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days' interest dependent on the number of days in the particular month.
Number of weeks & fortnights in a year
One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.
Rounding of amount of each repayment
In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts.
The interest rates represented on this page are St.George's standard interest rates and exclude any package or promotional discounts and are subject to change.