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.
I have looked around but always come bank to St George. I feel listened too, there's always someone available to speak with and their rates are good.
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.
The worst bank I have ever dealt with. Been waiting 5 weeks for a commencement letter to be approved so I can start building. They have told me everyday for the last 4 weeks it will be done tomorrow. Do not recommend they are quick to take your money but are too busy to do a commencement letter.
It was an easy process and everything was organised well.
Overall not happy, interest rate too high, would never use them again.
I like this bank. Easy to make payments, great customer service when it comes to handling with complaints or disputes. Been a customer for 9 years. Only bad thing is high interest however my choice to take out a loan was right for me at that time.
It’s a bit inconvinient for me as the main branch of St George is only located at Perth City.
Internet banking is good. Closing local branches is not good.
Terrible. Wouldn’t recommend, worst experience with this bank. Such a waist of time.
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.
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.
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Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 5.45% would cost $34,590.57 including fees.
Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 5.45% would cost $34,340.57 including fees.
Terms from 3 to 5 years. Representative example: a 5 year $30,000 loan at 5.44% would cost $34,332.26 including fees.
Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 5.75% would cost $35,190.18 including fees.
Terms from 2 to 5 years. Representative example: a 3 year $10,000 loan at 5.95% would cost $10,943.74 including fees.
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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