Important information

Credit criteria, fees, charges, terms and conditions apply.

The information on our website is prepared without knowing your personal objectives, financial situation or needs. For this reason, you should read the product disclosure documents as well as the Internet and Phone Banking Terms and Conditions (PDF 255KB) before making a decision and consider whether the product is appropriate for you. If you need help, call 13 33 30.

*$200 Bunnings Warehouse eGift card offer: This offer is only available to customers who apply and are approved for a new Unsecured or Secured Personal Loan and sign the loan contract via e-contract between 10 November 2020 and 19 January 2021. You must provide your email address at the time of application to receive the eGift Card. Applicants can apply by calling 13 33 30, visiting a branch or via the online ‘Apply now’ application button. This offer is available to single applicants only and cannot be used in conjunction with any other offer and may be varied or withdrawn at any time. Limit of one eGift Card per customer. Read the product Terms and Conditions before deciding and consider whether a Personal Loan is appropriate for you. If you need help, call 13 33 30.

You will be sent a unique redemption code via email along with instructions on how to redeem your Bunnings Warehouse eGift Card online, within 12-15 weeks of signing your new loan contract. You must follow the redemption instructions and activate your redemption code within 85 days of receiving your code. After this point, the code to redeem will expire and you will not be able to redeem the Bunnings Warehouse eGift Card. Bunnings Warehouse eGift Cards do not have an expiry date. Please check your Bunnings Warehouse eGift Card for usage instructions. Terms and Conditions of the Bunnings Warehouse eGift Card is available on the website https://www.bunnings.com.au/online-gift-cards-terms. Bunnings Warehouse eGift Cards are non-refundable and not redeemable for cash. The interest rate may vary based on the value of the car you offer as security.

^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 11.49% p.a. to 18.90% 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 11.49% p.a. (Comparison rate 12.57% p.a.) with the estimated total amount payable including fees is $40,555.
• The maximum interest rate for an unsecured fixed rate loan is 17.40% p.a. (Comparison rate 18.44% p.a.) with the estimated total amount payable including fees is $46,136.
• 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.

Secured Personal Loans interest rate may vary based on the value of the car you offer as security.

Secured Personal Loan Repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a secured loan of $30,000 borrowed for 5 years:

• with the minimum interest rate of 7.49% p.a. (comparison rate 8.60% p.a.), the estimated total amount payable including fees is $37,014
• with the maximum interest rate of 12.74% p.a. (comparison rate 13.81% p.a.), the estimated total amount payable including fees is $41,701.
  

1. The range of loan purposes for a Secured Personal Loan consist of: boats, caravans, trailers; home improvements; household goods; motorcycle; new car; refinance and consolidate debt; travel and used car.
   
2. To qualify for a lower interest rate, any motor vehicle offered as security must not be more than 12 years old upon loan expiry. The vehicle used as security must be registered under the applicant's name. Whether purchasing new or refinancing a used car, the vehicle has to have been imported to Australia by the manufacturer, and all the lending criteria met.