stgeorge.com.au

Personal loans can make your plans a reality.

Start doing with a Personal Loan

Big or little, we're here to help you start whatever it is you want to start. So whether you want to travel the world, renovate your house or manage your finances, we can help with a Personal Loan.

  • No security required which means you could get access to funds quicker.
  • Choice of fixed or variable rate
    • With a fixed rate, you can safeguard yourself against changing interest rates with fixed minimum payments that won’t change for the life of the loan. You can choose a loan term of between 1 and 5 years.
    • With a variable rate, you can make extra repayments (fees apply1) and apply for redraws (fees apply2). As the name suggests, the rate on a variable rate loan may change over the term of the loan. You can also choose a loan term of between 1 and 7 years.
  • Borrow between $3,000 and $40,000.
  • Fast and simple application process.
  • Looking for a car loan?
Fees and rates

Fees

Establishment Fee5
  • $195
Monthly Administration Fee
  • $9
Redraw Fee2
  • $10 per redraw
  • Minimum redraw amount: $500
  • Redraw only available on variable interest rate loans.
Personal Loan Discharge Processing fee1
  • $150
    (within the first 12 months of the loan term)
  • $100
    (after the first 12 months and before the end of the loan term)

For all other fees and charges, see our Personal Loan Fees and Charges.

Current Rates

Annual
interest rate 		Comparison
rate3
Standard Variable from 14.74% p.a. 17.98% p.a.
1 year fixed from 14.35% p.a. 17.59% p.a.
2 year fixed from 14.35% p.a. 17.59% p.a.
3 year fixed from 14.35% p.a. 17.59% p.a.
4 year fixed from 14.35% p.a. 17.59% p.a.
5 year fixed from 14.35% p.a. 17.59% p.a.

Personal Loan Calculator (for variable rate loans)

It's easy to work out an estimate of how much your personal loan repayments will be.
Use the sliders to estimate your repayments in line with our current interest rate.

Amount you'd
like to borrow

Time to repay

Your repayment
frequency

weekly
fortnightly
monthly

Your estimated
weekly repayments:

$134.004

Variable interest rate from: 14.35% p.a. Comparison rate: 17.59% p.a.
call us on
1300 329 353
Looking for a car loan?
Personal loan rates.

Fixed interest rate from

14.35 % p.a.

 

Comparison rate3

17.59 % p.a.

Apply online

To apply, call 1300 329 353
Other enquiries, call 13 33 30

Important information.

Credit criteria, fees and charges apply.

Before making a decision, it's best to read the terms and conditions:

The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it's right for you. If you need help,
call 13 33 30.

  1. A personal loan discharge processing fee applies when a personal loan is repaid before the end of the loan term. A fee of $150 applies if the loan is repaid within the first 12 months of the loan term. A fee of $100 applies if the loan is repaid after the first 12 months and before the end of the loan term.
  2. Redraw requests are subject to approval. Minimum redraw amount $500 and a redraw fee applies for each approved request. Other fees and charges may be payable.
  3. The comparison rate on an Unsecured Personal Loan is based on a unsecured loan of $10,000 over a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  4. The results of this calculator are for general information only and are based on the information you have provided. The repayment amount provided by this calculator is an estimate only and does not constitute a quote or loan offer. The repayment figure is based on the current advertised variable interest and includes $195 establishment fee and $9 monthly administration fee. Repayment figure excludes government fees such as stamp duty, search fees, fee for registration of security interest with the Personal Property Securities Register, compulsory third party insurance or any other disbursements, wherever these are applicable.
  5. The comparison rate on a Secured Car Loan is based on a secured loan of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  6. The establishment fee will be added to your loan amount.
  7. The results of this calculator are for general information only and are based on the information you have provided. The repayment amount provided by this calculator is an estimate only and does not constitute a quote or loan offer. The repayment figure is based on the current advertised fixed interest rate and includes $195 establishment fee and $9 monthly administration fee. Repayment figure excludes government fees such as stamp duty, search fees, fee for registration of security interest with the Personal Property Securities Register, compulsory third party insurance or any other disbursements, wherever these are applicable.

Before acting on this advice and making a decision about Protect Motor Vehicle Insurance, you should consider the appropriateness of the advice, and the current Product Disclosure Statement and policy wording and the Supplementary Product Disclosure Statement and policy wording having regard to your personal circumstances.

St.George Protect Motor Vehicle Insurance is issued by CGU Insurance Limited ABN 27 004 478 371 AFS Licence No. 238291 and distributed by St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 and Australian Credit Licence 233 714 (Bank). This information does not take into account your personal objectives, financial situation or needs. This policy is not an investment in nor deposit with the Bank and neither the Bank nor any other member of the Westpac Group guarantees this insurance. This insurance is subject to conditions, limits and exclusions on cover, which are explained in the Product Disclosure Statement and policy wording (PDS). Before making a decision about this insurance, you should consider the PDS and whether it is appropriate for you. Obtain a copy of the PDS by calling 1800 302 022.

St. George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.