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St.George Unsecured Personal Loan

Advertiser disclosure

The details shown below are for a fixed loan between $2,000 and $50,000

The details shown below are for a variable loan between $2,000 and $50,000

Choose the version of this loan that suits you best

  • Loan: $2,000 $50,000

  • Loan: $2,000 $50,000

Interest rate from
6.89% p.a.to 18.90% p.a.
Comparison rate from
8.01% p.a.to 19.93% p.a.based on $30,000
over 5 years
Upfront fee
$195
Interest rate from
8.89% p.a.to 18.90% p.a.
Comparison rate from
9.99% p.a.to 19.93% p.a.based on $30,000
over 5 years
Upfront fee
$195

Mozo editorial review St.George Unsecured Personal Loan - last updated: 3 August 2021

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What's hot
  • Unsecured personal loan up to $50,000
  • Flexible repayment options
What's not
  • $150 early repayment penalty
Mozo snapshot

The St. George unsecured personal loan has fixed rate and variable rate options, with fixed rates ranging from 6.89% p.a. to 18.90% p.a. (8.01% p.a. to 19.93% p.a. comparison rate*), and variable rates ranging from 8.89% p.a. to 18.90% p.a. (9.99% p.a. to 19.93% p.a. comparison rate*). Loan terms range from 1 to 5 years for both options, and you'll be able to borrow up $50,000.

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Key features

The St. George unsecured loan offers rates between 6.89% p.a. to 18.90% p.a. (8.01% p.a. to 19.93% p.a. comparison rate*) for its fixed rate option, and 8.89% p.a. to 18.90% p.a. (9.99% p.a. to 19.93%p.a. comparison rate*) for the variable rate option.

If you choose the variable rate options, you'll be able to make fee free extra repayments, plus use a free redraw facility. The fixed rate option doesn't come with these features and also has an early repayment penalty of $150 if you pay out your loan in the first year, or $100 after that.

You'll need to budget for the $12 monthly service fee and a $195 establishment fee. Once you have the loan, you should think about setting up automatic repayments, otherwise you will have to pay a $15 late payment fee.

If you've got a busy lifestyle and can't get to a branch, you can apply for St.George personal loans online. The application only takes about 15 minutes and St.George approve the loan within 60 seconds. 


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Who is it good for

This is an unsecured loan, so it's a good choice if you need to borrow up to $50,000, but don't have a big asset, like a car or house, to put up as security against the loan. Just keep in mind unsecured loans often come with a higher rate than a secured option.

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Any catches

If you pay off your loan within 12 months there will be a $150 early repayment penalty or $100 after 12 months and before end of term.

Details

Rates and fees information correct as at 18 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

6.89% p.a.to 18.90% p.a. fixed

8.01% p.a.to 19.93% p.a.based on $30,000
over 5 years

Fees

$195.00

$12.00

$15.00

$0.00

$150 within first year of term, $100 after.

Other financial bits

$2,000.00

$50,000.00

1 Year

5 Years

Unsecured

Features

Weekly, Fortnightly, Monthly

yes

no

none

none

WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. 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.

Details

Rates and fees information correct as at 18 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Variable

8.89% p.a.variable

9.99% p.a.to 19.93% p.a.based on $30,000
over 5 years

Fees

$195.00

$12.00

$15.00

$0.00

$150 within first year of term, $100 after.

Other financial bits

$2,000.00

$50,000.00

1 Year

5 Years

Unsecured

Features

Weekly, Fortnightly, Monthly

yes

yes

none

none

WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. 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.

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