Personal Loans
Personal loans
No matter which loan you choose, if you apply online you’ll get a response within 60 seconds.
Tools & Calculators
Unsecured Personal Loan
General purpose - car, renovate, consolidate debt or something else.
- Personalised rates, fixed and variable from 7.99% p.a. to 18.90% p.a. (comparison rate 9.10% p.a.^ to 19.93% p.a.^).
- Borrow $2,000 - $50,000
- Fixed or variable rate options
- Have a set end-date to your repayments
Secured Personal Loan
Use your car as security to get a lower rate (conditions apply^^).
- Personalised rates, fixed from 6.49% p.a. to 12.99% p.a. (comparison rate 7.61% p.a.^ to 14.06% p.a.^)
- Borrow $3,000 - $80,000
- Fixed rate
- A lower rate than our other personal loans^^
Don’t want to access funds all at once? Our Personal Overdraft allows you to access funds as you need to, without having to reapply.
Personal Loan FAQs
Some useful information to help you when looking and applying for a personal loan
Help managing your personal loan
Already have a personal loan with us? Information, tips and guides to help you make the most of your personal loan.
Important information
Any advice on this website is general in nature and has been prepared without considering your objectives, financial situation or needs. Please read the product disclaimer and Terms and Conditions (PDF 1MB) documents and consider your individual circumstances before applying for a St.George Personal Loan. Credit criteria, fees, charges, terms and conditions apply. Information correct as of 11 July 2022. Interest rates are subject to change.
Our standard variable rate for unsecured variable rate loans is 12.99% p.a. (comparison rate 14.06% p.a.). The rate for some customers is based on personalised pricing. The final rate you’re offered may be lower or higher than 12.99% p.a. (comparison rate 14.06% p.a.), depending on your personal financial circumstances.
^Comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan amounts and terms will result in different comparison rates. Costs such as loan discharge fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Unsecured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years:
- The minimum interest rate for an unsecured fixed & variable rate loan is 7.99% p.a. (Comparison rate 9.10% p.a.) with the estimated total amount payable including fees is $37,446.
- The maximum interest rate for an unsecured fixed & variable rate loan is 18.90% p.a. (Comparison rate 19.93% p.a.) with the estimated total amount payable including fees is $47,617.
Secured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a secured loan of $30,000 borrowed for 5 years:
- The minimum interest rate for a secured fixed rate loan is 6.49% p.a. (Comparison rate 7.61% p.a.) with the estimated total amount payable including fees is $36,160.
- The maximum interest rate for a secured fixed rate loan is 12.99% p.a. (Comparison rate 14.06% p.a.) with the estimated total amount payable including fees is $41,932.
1A Redraw facility is available on variable interest rate loans only. Redraw requests are subject to approval. Minimum redraw amount is $500 and a $0 redraw fee applies to each approved request. Other fees and charges may apply.
^^To qualify for a lower personalised interest rate on a Secured Personal Loan applicant must meet all credit criteria and, the car offered as security must meet all criteria - either be new or if used, cannot be older than 12 years at the end of loan term, registered under the applicant’s name, has been made locally or imported by the manufacturer, has never been written off (even if it was repaired), has a paid, fully comprehensive insurance policy with St.George noted as the financier and is for personal use only.
**Personalised rates: The rate for some customers is based on personalised pricing. Instead of a one-size-fits-all approach, personalised pricing allows us to offer more people personal loans at a better rate, based on an assessment of credit history as well as the information provided in the application.
Unless otherwise specified, the products and services described on this website are available only in Australia from St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.