Unsecured Personal Loan

Whether you want predictable repayments or the flexibility to repay more, you can tailor an Unsecured Personal Loan how you want it. Plus we are offering $100 off the establishment fee if you apply via this page between 12 May – 12 June 2016.

Flexible options

Choose from a range of terms, repayment and interest options.

Big or small

Borrow as little as $3,000 or as much as $40,000.

Quick response

Get a response in just 60 seconds when you apply online^.

Apply from anywhere

Fill out your application on your mobile device.

Finance your goals

 

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Predictable repayments for easier budgeting

You'll know exactly how much your repayments are with a fixed rate Unsecured Personal Loan. Its locked in rate protects you from interest rate fluctuations, so you can budget accordingly.

Predictable repayments for easier budgeting

You'll know exactly how much your repayments are with a fixed rate Unsecured Personal Loan. Its locked in rate protects you from interest rate fluctuations, so you can budget accordingly.

Predictable repayments for easier budgeting

You'll know exactly how much your repayments are with a fixed rate Unsecured Personal Loan. Its locked in rate protects you from interest rate fluctuations, so you can budget accordingly.

Predictable repayments for easier budgeting

You'll know exactly how much your repayments are with a fixed rate Unsecured Personal Loan. Its locked in rate protects you from interest rate fluctuations, so you can budget accordingly.

A fixed rate for financial control

If you want to get a better hold on your finances and save on interest, a fixed rate Personal Loan could be a good way to do it. You'll enjoy the certainty of fixed repayment amounts, so you can budget more easily.

Predictable repayments for easier budgeting

You'll know exactly how much your repayments are with a fixed rate Unsecured Personal Loan. Its locked in rate protects you from interest rate fluctuations, so you can budget accordingly.

Compare fixed and variable rate loans
Feature Fixed rate Variable rate
Terms between 1 to 5 years 1 to 7 years
Rate from* % p.a. from* % p.a.
Comparison rate3 % p.a. % p.a.
Redraw1 No Yes (minimum amount $500)
Loan type Fixed interest - a rate that's locked in and won't change Variable interest - a rate that may change over time
Early repayment2 No Yes
Payment frequency Weekly
Fortnightly
Monthly
Weekly
Fortnightly
Monthly

Applying for your Unsecured Personal Loan

How to apply in 4 easy steps

1. Apply online - you'll get a response in just 60 seconds^.

2. Send through supporting documents(if required) and we'll review your application.

3. If approved, we'll send you the contract to review, sign and return.

4. We'll release your funds based on your instructions.

Frequently asked questions

FAQs

What is the comparison rate?

Put simply, a comparison rate is a tool that helps customers identify the true cost of a loan, by combining both the interest rate and the fees and charges related to a loan, and combining them into a single percentage figure. The comparison rate is based on an unsecured loan of $30,000 over a term of 5 years.

Why do I have to go in branch as a new customer?

New customers are required to go in branch to verify your identification. This process helps us ensure the integrity of your loans and reduces overall fraud.

What information will I need to apply for the loan?

Your current employer's name, address and main switchboard number
Weekly post-tax income for each person applying for the loan
Details of your assets, your savings and investments
Amounts owing on your credit cards, store accounts, etc.
Details of your other expenses
If you are self-employed, you will need to provide your recent tax information
If you're not yet a St.George customer, information such as an Australian Driver's Licence and Medicare card will be requested to identify you. More about the information you need to provide to become a customer.

Who can apply for a Personal Loan, Unsecured Personal Overdraft or Get Set Loan?

You can apply if you are at least 18 years of age and have an Australian residential address. If you have recently moved to Australia, you may also be eligible for a personal loan. Give us a call on 13 33 3013 33 30.

What is the difference between a Variable Rate and Fixed Rate Loan?

A Variable Rate loan gives you flexibility, as you can make extra repayments off your loan and request to redraw those extra repayments if and when you need them.

A fixed rate loan gives you the security of knowing what your repayments are and protects you against interest rate rises for the life of the loan. You can pay extra off your loan, but there is a limit on the amount of the additional repayments you can make before break costs apply.

How fast is the application process?

It usually takes less than 15 minutes to complete your application online. Once we receive your completed online application, you will receive a response within 60 seconds.

Personal Loan fees you should know about

Unsecured Personal Loans
Establishment Fee, added to your loan $95 (for applications submitted via this page between 12 May - 12 June 2016)**.
Monthly Administration Fee $9

Comprehensive protection options

Ready to apply?

Apply now
Get started today

Call 13 33 30 Call 13 33 30
and say "New Account"
when prompted

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