St.George Unsecured Personal Loan

The details shown below are for a fixed loan between $2,000 and $40,000

The details shown below are for a variable loan between $2,000 and $40,000

Choose the version of loan that suits you best

  • Loan: $2,000 $40,000

  • Loan: $2,000 $40,000

12.99% p.a.to 19.99% p.a.

14.06% p.a.to 21.02% p.a.based on $30,000
over 5 years

$195

St.George Unsecured Personal Loan

12.99% p.a.to 19.99% p.a.

14.06% p.a.to 21.02% p.a.based on $30,000
over 5 years

$195

12.99% p.a.to 19.99% p.a.

14.06% p.a.to 21.02% p.a.based on $30,000
over 5 years

$195

St.George Unsecured Personal Loan

12.99% p.a.to 19.99% p.a.

14.06% p.a.to 21.02% p.a.based on $30,000
over 5 years

$195

Mozo Review   St.George Unsecured Personal Loan Review

Last updated: 18 December 2018.

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 12.99% interest rate (14.06% comparison rate) and the loan amount available (maximum $40,000).

Key features:

The St.George unsecured loan has a 12.99% interest rate (14.06% comparison rate) on both the fixed rate and variable rate options.

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. 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, plus there's a $195 establishment fee to budget for.

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.

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?

As 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.

Details

Rates and fees information correct as at 19 December 2018. 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

  • 12.99% p.a.to 19.99% p.a. fixed

  • 14.06% p.a.to 21.02% p.a.based on $30,000
    over 5 years

Fees
  • $195.00

  • $12.00

  • $9.00

  • $0.00

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

Other financial bits
  • $2,000.00

  • $40,000.00

  • 1 Year

  • 5 Years

  • Unsecured

Features
  • Weekly, Fortnightly, Monthly

  • yes

  • no

  • none

  • none

*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. WARNING: 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 19 December 2018. 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

  • 12.99% p.a.variable

  • 14.06% p.a.to 21.02% p.a.based on $30,000
    over 5 years

Fees
  • $195.00

  • $12.00

  • $9.00

  • $0.00

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

Other financial bits
  • $2,000.00

  • $40,000.00

  • 1 Year

  • 7 Years

  • Unsecured

Features
  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • none

  • none

*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. WARNING: 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.

Customer Reviews

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

Overall customer rating
6.9/10
Price
6.2/10
Features
5.7/10
Customer service
7.3/10
Convenience
7.5/10
Trust
7.1/10

Latest reviews of St.George Unsecured Personal Loan

  • Overall
    3/10
    Beware

    Customer service could be improved significantly as their staff often provides me with...

    Customer service could be improved significantly as their staff often provides me with misinformation.

    Price
    1/10
    Features
    0/10
    Customer service
    2/10
    Convenience
    2/10
    Trust
    0/10

    Sharon | New South Wales

    reviewed about 2 months ago

  • Overall
    5/10
    Ok

    They are ok. Overall I am happy with the service provided.

    They are ok. Overall I am happy with the service provided.

    Price
    4/10
    Features
    5/10
    Customer service
    7/10
    Convenience
    6/10
    Trust
    7/10

    Nina | New South Wales

    reviewed 3 months ago

  • Overall
    4/10
    Great staff, very friendly & honest.

    I'm a disabled pensioner, so have been unable to secure a loan anywhere! The staff are always...

    I'm a disabled pensioner, so have been unable to secure a loan anywhere! The staff are always lovely, just unable to help me.

    Price
    -1/10
    Features
    -1/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    8/10

    Kara | New South Wales

    reviewed about 1 year ago

  • Overall
    9/10
    Great service

    Very helpful in choosing the right product for the customer

    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

    Ruta | New South Wales

    reviewed over 2 years ago

  • Overall
    10/10
    Love this bank

    Love this bank

    Love this bank

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Tina | New South Wales

    reviewed almost 3 years ago

St.George

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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