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 type | Name | Min loan amount | Max loan amount | |
|---|---|---|---|---|
| | Fixed | Unsecured Personal Loan (Fixed) | $2,000 | $50,000 |
| | Variable | Unsecured Personal Loan (Variable) | $2,000 | $50,000 |
Loan: $2,000 $50,000
Loan: $2,000 $50,000
The St. George unsecured personal loan has fixed rate and variable rate options, with fixed rates ranging from 11.49% p.a. to 17.40% p.a. (12.57% p.a. to 18.44% p.a. comparison rate*), and variable rates ranging from 12.99% p.a. to 18.90% p.a. (14.06% p.a. to 19.93% p.a. comparison rate*). 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.
The St. George unsecured loan offers rates between 11.49% p.a. to 17.40% p.a. (12.57% p.a. to 18.44% p.a. comparison rate*) for its fixed rate option, and 12.99% p.a. to 18.90% p.a. (14.06% 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.
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.
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.
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.
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
$195.00
$12.00
$15.00
$0.00
$150 within first year or $100 after. Break costs may apply.
$2,000.00
$50,000.00
1 Year
5 Years
Unsecured
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.
Variable
12.99% p.a.variable
14.06% p.a.to 19.93% p.a.based on $30,000
over 5 years
$195.00
$12.00
$15.00
$0.00
$150 within first year of term, $100 after.
$2,000.00
$50,000.00
1 Year
7 Years
Unsecured
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.
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 reviewI 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.
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 reviewI 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.
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 reviewAn 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.
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 reviewAfter 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.
Very efficient service. Very friendly.
Read full reviewVery efficient service. Very friendly.
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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