7.4/10

Based on 9674 St.George product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

St.George personal loans

St. George may have started as a building society in 1937 but today this personal loan provider is no small player. Because not only is St. George now a fully fledged bank, it also falls under the umbrella of big four bank Westpac. One of the biggest draw cards of taking out a loan with this major player is the abundance of choice when it comes to secured and unsecured loans. So read on as you’re bound to find one that speaks to you!

St.George offers the following personal loans

Rates and fees verified as correct at 25 July 2024. Other information correct at the time of writing. Advertiser disclosure.
Product Interest rate from Comparison rate from Upfront fee
Secured Personal Loan (Fixed)

6.49% p.a.to 12.99% p.a.

7.61% p.a.to 14.06% p.a.based on $30,000
over 5 years

$195.00

Unsecured Personal Loan (Fixed)

7.49% p.a.to 20.59% p.a.

8.40% p.a.to 21.43% p.a.based on $30,000
over 5 years

$150.00

Unsecured Personal Loan (Variable)

7.49% p.a.to 20.59% p.a.

8.40% p.a.to 21.43% p.a.based on $30,000
over 5 years

$150.00

What personal loans do St. George offer?

Secured personal loans:

Secured personal loans from St.George have two nifty advantages over the unsecured alternative. Firstly they have lower interest rates because they are tied to an asset such as a new or used car, and secondly they have a higher borrowing limit of up to $80,000. With these loans you can choose between two interest rate types - a fixed or variable rate. Which one you opt for will depend on your circumstances. Now, if you’re a creature of habit and like to know exactly what your future loan repayments will be, the fixed rate option might be ideal for you. But if you’re willing to part with the lower fixed interest rate for the flexibility of a redraw facility, extra repayments, no-break cost fees, and the possibility of a longer loan term of up to seven years, the variable rate could be your match. Just keep in mind the redraw facility comes with a fee attached each time you use it, and there’s a minimum redraw amount.

Unsecured personal loans:

On top of a secured personal loan option, St. George also offers the alternative of going for its unsecured personal loans. This means you’ll pay a higher interest rate for not binding the loan to an asset like a new or used car. You can use these loans for everything from consolidating debts or paying for that big ticket trip to Europe. St. George unsecured personal loans can range from $3,000 to $40,000 and have a loan term of one to seven years. Plus you can choose between either a fixed or variable interest rate - which rate you choose will depend on the features and benefits that work best for you. Let’s take a look at the fixed rate option first. While you can’t make extra repayments or use a redraw facility, one benefit is that the interest rate is slightly lower and is locked in for the term of the loan, meaning your ongoing repayments will always remain consistent. On the other hand, with the variable rate option the term can be longer. You can also make extra repayments and pay the loan off early without being hit by a break cost fee. Plus, it's redraw facility lets you dip into past repayments of a specified minimum amount. Just keep in mind you are charged a fee each time you do this.

St. George personal loan features at a glance

  • Upfront and ongoing fees: If you’re keen on taking out a St. George personal loan, don’t forget to factor in the initial start up cost and monthly fees, which apply to all its loans.
  • Flexible repayments: With the St. George personal loans described on this page you can take your pick between weekly, fortnightly or monthly repayments. This will make paying off your loan that bit easier if you want your repayments to coincide with payday for example.
  • Extra repayments: You have the freedom to make extra repayments as you please with all of St. George’s variable personal loans. Keep in mind that there are break cost fees for paying your loan off early if you go for a St. George loan with a fixed interest rate attached.
  • Redraw facility: While there’s no redraws on the extra repayments you’ve made with the fixed rate personal loans, all of St. George’s variable rate personal loans come with this flexible feature.
  • Insurance options: Depending on your personal loan, St. George has a Consumer Credit Insurance option available, which means that if something unfortunate happens like you are made redundant or get sick and can’t make repayments, the insurance may be able to cover those costs.

How do you apply for a St. George personal loan?

To apply for a personal loan with St. George, it’s a quick and easy process. You just need to be an Australian citizen or resident and pop into a branch or file your details online to hear back during business hours.

Some things you’ll need to provide in your application include:

  • One hundred points of ID, which means your driver’s licence or passport and proof of address. So bank statements and bills with your address on it will work.
  • Details of your employer including a name, address and direct phone number. If you are self-employed, you’ll need to have your tax receipts ready to provide to St. George.
  • Information of your salary and income after tax.
  • Details of your savings, assets and investments.
  • The limits of your current credit such as store cards and the like.
  • Details of any other major expenses you see as relevant to your application.
  • One personal reference with their name, address and contact number.
  • Keep in mind you need to be an Australian citizen or resident to be eligible for a St. George personal loan, and of course be an adult over 18 years of age.

How are St.George personal loans rated?

Mozo users have rated St.George personal loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of personal-loans
St.George personal loans customer reviews
Overall
6.8/10
Price
6.2/10
Features
5.7/10
Customer service
7.2/10
Convenience
7.5/10
Trust
7.0/10
Based on 469 St.George product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent St.George personal loan reviews

St.George Secured Personal Loan
Overall 8/10
Good bank not bad interest rates

The customer service is amazing everytime I go in they have always helped and explained things to me I have never had a problem with them. Their interest rates aren't too bad

Read full review

The customer service is amazing everytime I go in they have always helped and explained things to me I have never had a problem with them. Their interest rates aren't too bad

Price
8/10
Features
7/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Laura, New South Wales, reviewed 8 months ago
St.George Unsecured Personal Loan
Overall 10/10
Overall I'm very satisfied with my bank St George.

I have been with St George for over 42 years. I have found them to be loyal to me since the beginning. Always every detail is explained to me fully so that I understand. The interest rates are not exorbitant. I'm very happy.

Read full review

I have been with St George for over 42 years. I have found them to be loyal to me since the beginning. Always every detail is explained to me fully so that I understand. The interest rates are not exorbitant. I'm very happy.

Price
9/10
Features
9/10
Customer service
8/10
Convenience
9/10
Trust
9/10
Less
Mary, New South Wales, reviewed about 1 year ago
St.George Personal Loan
Overall 8/10
Not bad but could be better

The interest rate does seem higher than other banks. I would love it to be more competitive

Read full review

The interest rate does seem higher than other banks. I would love it to be more competitive

Price
6/10
Customer service
7/10
Convenience
9/10
Trust
8/10
Less
Liza, New South Wales, reviewed about 2 years ago
St.George Secured Personal Loan
Overall 10/10
Outstanding customer service

I love how St George Bank helped me easily find a good personal loan that suited my needs. Would highly recommended them to anyone that is looking for a loan, or to open a bank account etc. There’s no cons to them I really had a great stress free experience.

Read full review

I love how St George Bank helped me easily find a good personal loan that suited my needs. Would highly recommended them to anyone that is looking for a loan, or to open a bank account etc. There’s no cons to them I really had a great stress free experience.

Price
10/10
Features
9/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Grace, New South Wales, reviewed almost 3 years ago
See all personal loan reviews
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

Personal loan quick links