7.4 / 10

based on 9445 St.George reviews as rated by Mozo community

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 18 May, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Interest rate from Comparison rate from Upfront fee
Secured Personal Loan (Fixed)

7.49% p.a.

8.60% p.a.based on $30,000
over 5 years

$195

Secured Personal Loan (Variable)

12.74% p.a.

13.81% p.a.based on $30,000
over 5 years

$195

Unsecured Personal Loan (Fixed)

11.49% p.a.to 17.40% p.a.

12.57% p.a.to 18.44% p.a.based on $30,000
over 5 years

$195

Unsecured Personal Loan (Variable)

12.99% p.a.to 18.90% p.a.

14.06% p.a.to 19.93% p.a.based on $30,000
over 5 years

$195

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

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:


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
Overall
6.8/10
Price
Features
Customer service
Convenience
Trust

465 Reviews

Recent St.George personal loan reviews

St.George Unsecured Personal Loan review
Overall 1/10
Never again!

I applied for an unsecured loan through st.George .. I have been banking with them for over 10 years and have successfully paid off a $25k loan over 5 years with them on a fixed HIGH INTEREST RATE .. I applied again for less money as I needed the funds for surgery , and was given an ‘ conditional approval ‘ , after verifying both of my incomes they then declined me, but gave no communication to let me know I was declined. This was a huge blow as I had very high hopes that a bank I trusted and banked with and have borrowed from before could do this, I will no longer be banking with St.George, and I’ll make sure that the next 10 people and so on know about their poor communication and lack of compassion and gratitude for their most loyal customers. I have nothing but 0 out of 5 stars to give this institution.

Read full review

I applied for an unsecured loan through st.George .. I have been banking with them for over 10 years and have successfully paid off a $25k loan over 5 years with them on a fixed HIGH INTEREST RATE .. I applied again for less money as I needed the funds for surgery , and was given an ‘ conditional approval ‘ , after verifying both of my incomes they then declined me, but gave no communication to let me know I was declined. This was a huge blow as I had very high hopes that a bank I trusted and banked with and have borrowed from before could do this, I will no longer be banking with St.George, and I’ll make sure that the next 10 people and so on know about their poor communication and lack of compassion and gratitude for their most loyal customers. I have nothing but 0 out of 5 stars to give this institution.

Price
5/10
Features
1/10
Customer service
1/10
Convenience
5/10
Trust
1/10
Less
Kimmy, New South Wales, reviewed 2 months ago
St.George Secured Personal Loan review
Overall 9/10
Staff are amazing

I have looked around but always come bank to St George. I feel listened too, there's always someone available to speak with and their rates are good.

Read full review

I have looked around but always come bank to St George. I feel listened too, there's always someone available to speak with and their rates are good.

Price
10/10
Features
9/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Carol, Queensland, reviewed 4 months ago
St.George Unsecured Personal Loan review
Overall 7/10
Greedy.

I took out a personal loan to buy a musical instrument. I paid the loan out early and now it attracts administration fees of $12 per month. I thought they would just close the loan once I paid it out but apparently they will let it run its full term and charge me for doing nothing.

Read full review

I took out a personal loan to buy a musical instrument. I paid the loan out early and now it attracts administration fees of $12 per month. I thought they would just close the loan once I paid it out but apparently they will let it run its full term and charge me for doing nothing.

Price
7/10
Features
7/10
Customer service
7/10
Convenience
8/10
Trust
7/10
Less
Andrew, New South Wales, reviewed 4 months ago
St.George Secured Personal Loan review
Overall 4/10
Do not recommend

The worst bank I have ever dealt with. Been waiting 5 weeks for a commencement letter to be approved so I can start building. They have told me everyday for the last 4 weeks it will be done tomorrow. Do not recommend they are quick to take your money but are too busy to do a commencement letter.

Read full review

The worst bank I have ever dealt with. Been waiting 5 weeks for a commencement letter to be approved so I can start building. They have told me everyday for the last 4 weeks it will be done tomorrow. Do not recommend they are quick to take your money but are too busy to do a commencement letter.

Price
7/10
Features
8/10
Customer service
1/10
Convenience
9/10
Trust
9/10
Less
Jason, New South Wales, reviewed 4 months ago

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