St.George Unsecured Personal Loan

14.35%

15.07% based on $30,000
over 5 years

$95

14.74%

15.46% based on $30,000
over 5 years

$95

St.George Unsecured Personal Loan Review

Rates and fees information correct as at 30 May 2016.

Review published: 5 December 2012

What's hot:

  • Unsecured personal loan up to $40,000

  • Flexible repayment options

What's not:

  • $150 early repayment penalty

Mozo snapshot:

The almost identical sibling of the St.George fixed rate secured loan but with a notable difference in the higher 14.35% interest rate and the loan amount available (maximum $40,000).

Key features:

The St.George fixed rate unsecured loan has a high 14.35% interest rate so you'll want to select a loan term that enables you to pay off the loan in the least amount of time that will fit with your monthly budget. You can select a term between 1 - 5 years.

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 say that the loan can be approved within 60 seconds. You have the option between weekly, fortnightly and monthly repayments options.

Other than your monthly loan repayments you will also have to pay a $9 monthly service fee.

One of the downsides of this loan is that you can't make extra repayments and if you do pay out the loan you will have to pay a penalty fee and break costs. But because it is a fixed loan, each month you will have set repayments so this should help with monthly budgeting.

If you are planning to get a loan within half an hour you'll need to have a $95 ready at hand for the application fee. And once you have the loan, set up automatic repayments otherwise you will have to pay a $9 late payment fee.

Who it's good for:

Fixed loans are best for people who need to stick to a set monthly budget and don't want to worry about changes in interest rates.

Any catches?

Because this is an unsecured loan you will be paying top dollar for your borrowing so try to set the most aggressive repayment plan you can so that you pay the least amount of interest possible.

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 and you may also have to pay break costs.

How are St.George personal loans rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
7.6

Based on 141
St.George personal loans reviews

7.0 6.3 8.1 8.0 8.0

Read St.George personal loan reviews by the Mozo community

Latest reviews of St.George Unsecured Personal Loan

St.George

St.George Unsecured Personal Loan (Fixed) personal loan review

Overall rating   9 / 10

Great service

Very helpful in choosing the right product for the customer
Full review

Very helpful in choosing the right product for the customer

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Ruta (NSW), reviewed about 2 months ago

St.George

St.George Unsecured Personal Loan (Fixed) personal loan review

Overall rating   9 / 10

Excellent customer service

St George have always been more than helpful with everything I have ever done with them, from lost/stolen cards, to assistance with my finances, their staff always seem to go the extra mile.
Full review

St George have always been more than helpful with everything I have ever done with them, from lost/stolen cards, to assistance with my finances, their staff always seem to go the extra mile.

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Andrew (NSW), reviewed 6 months ago

St.George

St.George Unsecured Personal Loan (Fixed) personal loan review

Overall rating   8 / 10

Hands down the best bank around!

Excellent customer service and respect for their customers. Loan repayments are at a competitive level and would definitely recommend to friends and family.
Full review

Excellent customer service and respect for their customers. Loan repayments are at a competitive level and would definitely recommend to friends and family.

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Chase (NSW), reviewed 6 months ago

St.George

St.George Unsecured Personal Loan (Fixed) personal loan review

Overall rating   9 / 10

Great backup service

Great personal service
Full review

Great personal service

    Price   6 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Andrew (NSW), reviewed 5 months ago

St.George

St.George Unsecured Personal Loan (Fixed) personal loan review

Overall rating   9 / 10

Real people offering solutions to real problems

Got myself into a bit of strife with a Mastercard and instead of coming on nasty we sat down and worked out this personal loan to suit my finances. Tremendous relief and I know where I stand and all organised pleasantly. Sleeping much easier now.
Full review

Got myself into a bit of strife with a Mastercard and instead of coming on nasty we sat down and worked out this personal loan to suit my finances. Tremendous relief and I know where I stand and all organised pleasantly. Sleeping much easier now.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Bev (NSW), reviewed 8 months ago

Currently showing

Rates

  • Fixed

  • 14.35% fixed

  • 15.07% based on $30,000
    over 5 years

Fees

  • $95.00

  • $9.00

  • $9.00

  • $0.00

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

Other financial bits

  • $3,000.00

  • $40,000.00

  • 1 Year

  • 5 Years

  • Unsecured

Features

  • Weekly, Fortnightly, Monthly

  • no

  • no

  • none

  • none

Rates

  • Variable

  • 14.74%variable

  • 15.46% based on $30,000
    over 5 years

Fees

  • $95.00

  • $9.00

  • $9.00

  • $0.00

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

Other financial bits

  • $3,000.00

  • $40,000.00

  • 1 Year

  • 7 Years

  • Unsecured

Features

  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • none

  • none

About St.George

St.George is Australia's fifth largest bank and has merged with Westpac to create a banking mega force. St.George offers a wide range of products aimed at business and corporate customers. St.George still have a customer focused team who tailor products to suit its customers needs. So if you want a bank that's good with people and good with money too, check out the St George range of credit cards, bank accounts, savings accounts, home loans and personal loans.

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