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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
11.49% p.a.to 17.40% p.a.
Comparison rate from
12.57% p.a.to 18.44% p.a.based on $30,000
over 5 years
Upfront fee
$195
Interest rate from
12.99% p.a.to 18.90% p.a.
Comparison rate from
14.06% 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: 10 November 2020.

binocular icon
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 11.49% to 17.40% (12.57% to 18.44% comparison rate*), and variable rates ranging from 12.99% to 18.90% (14.06% to 19.93%). Loan terms range from 1 to 7 years for variable rate options and 1 to 5 years for fixed rate 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 11.49% to 17.40% (12.57% to 18.44% comparison rate*) for its fixed rate option, and 12.99% to 18.90% (14.06% to 19.93%) 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.

With either option, you can choose between weekly, fortnightly and monthly repayments, and loans are available for terms of 1 to 5 years for fixed and 1 to 7 years for variable.

You'll need to budget for a $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. 


snapshot
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.

question icon
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 and you may also have to pay break costs. 

Details

Rates and fees information correct as at 21 January 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

  • 11.49% p.a.to 17.40% p.a. fixed

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

Fees
  • $195.00

  • $12.00

  • $15.00

  • $0.00

  • $150 within first year or $100 after. Break costs may apply.

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 21 January 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

  • 12.99% p.a.variable

  • 14.06% 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

  • 7 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.

Customer Reviews

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

Overall
6.8/10
Price
6.2/10
Features
5.7/10
Customer service
7.2/10
Convenience
7.4/10
Trust
7.0/10

Latest reviews of St.George Unsecured Personal Loan

  • Overall 6/10
    As reliable as any bank.

    An adequate product. I don't like to feel more valued given my loyalty but I think all banks tend to be the same - profit driven.

    Read full review

    An adequate product. I don't like to feel more valued given my loyalty but I think all banks tend to be the same - profit driven.

    Price
    6/10
    Features
    3/10
    Customer service
    5/10
    Convenience
    8/10
    Trust
    4/10
    Less
    Lisa, New South Wales reviewed 11 months ago
  • Overall 3/10
    Currently viewing other options for all banking.

    After banking with them for over 30 years and having over five loans previously with no problems on either end it only took a workplace injury for me to fall behind with my last loan before I was an outcast. Their insurer Swann made it that difficult a claim was not possible even though entitled. I will never borrow from them again or trust any insurance policy they have.

    Read full review

    After banking with them for over 30 years and having over five loans previously with no problems on either end it only took a workplace injury for me to fall behind with my last loan before I was an outcast. Their insurer Swann made it that difficult a claim was not possible even though entitled. I will never borrow from them again or trust any insurance policy they have.

    Price
    3/10
    Features
    3/10
    Customer service
    5/10
    Convenience
    6/10
    Trust
    2/10
    Less
    Philip, New South Wales reviewed 11 months ago
  • Overall 8/10
    Great service.

    Very efficient service. Very friendly.

    Read full review

    Very efficient service. Very friendly.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    8/10
    Less
    Shirley, Queensland reviewed 12 months ago
  • Overall 10/10
    Simple and easy. Great customer service.

    Simple and easy. Great customer service.

    Read full review

    Simple and easy. Great customer service.

    Price
    7/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Marina, New South Wales reviewed about 1 year ago
  • Overall 3/10
    Beware

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

    Read full review

    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
    Less
    Sharon, New South Wales reviewed about 2 years ago
Thumbnail icon for 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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