Get the Finder app 🥳

Track your credit score

Free

St.George Personal Loans

If you’re looking for a personal loan that offers a choice of a fixed or variable rate, St.George might have an offer for you.

Updated

St.George Bank

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .

  • COVID-19 Update

If you're struggling to repay your personal loan, you can get in touch with the bank directly or read our guide.

St.George Bank boasts 2.6 million customers in Australia and offers a wide suite of personal and business services. banking customers. Along with products such as savings accounts, credit cards and home loans, St.George also offers secured and unsecured personal loans. These loans are designed to offer competitive rates and flexible repayment options to borrowers – find out more about these options below.

Comparison of St.George personal loans

Data indicated here is updated regularly
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
St.George Unsecured Personal Loan - Variable Rate

From 12.99% (variable)
14.06%
$2,000
1 to 7 years
$195
$12
You'll receive a variable rate between 12.99% p.a. and 18.90% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 plus the convenience to make extra repayments and redraw them if you need them.
St.George Secured Personal Loan - Fixed Rate

From 7.49% (fixed)
8.60%
$3,000
1 to 5 years
$195
$12
You'll receive a fixed rate from 7.49% p.a. based on the value of your car
Get a competitive rate and apply for a larger loan up to $80,000 when you attach a new or used car as security to the loan.
St.George Secured Personal Loan - Variable Rate

From 12.74% (variable)
13.81%
$3,000
1 to 7 years
$195
$12
You'll receive a variable rate from 12.74% p.a. based on the value of your car
Benefit from flexible repayments and be able to apply for a larger loan up to $80,000 when you attach a new or used car as security to the loan.
St.George Unsecured Personal Loan - Fixed Rate

From 11.49% (fixed)
12.57%
$2,000
1 to 5 years
$195
$12
You'll receive a fixed rate between 11.49% p.a. and 17.40% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 to fund a range of purposes.
St.George Unsecured Personal Overdraft

From 14.99% (variable)
$500
$0
$5
Get access to funds with the St.George Overdraft Account
loading

Compare up to 4 providers

  • Unsecured Loans. These loans require no security, allowing for quick and easy application. St.George also lets you choose between a fixed and variable rate. With the fixed rate, you only need to pay a fixed minimum payment that won’t change throughout the life of the loan, which is for between 1 to 5 years. With the variable rate, you can make extra repayments and apply for redraws. Unsecured loans allow for loan amounts between $2,000 and $50,000, plus St.George guarantees a fast approval process so you can get funds when they are needed most.
  • Secured Loans. The main reason people opt for secured loans is the lower interest rates they offer. St.George accepts a variety of assets, including your car, as security. Similar to unsecured loans, you also have the option to choose between fixed and variable interest rates when applying. St.George lets you borrow between $3,000 and $80,000. The repayment period depends on the type of interest rate you choose. Variable rate loans have a repayment period of 1 to 7 years while fixed rate loans have a repayment period of 1 to 5 years.

Features and benefits of a St.George personal loan

  • Flexible repayment options. St.George lets you choose weekly, fortnightly or monthly repayments. It's also possible to make extra payments on your variable rate loan.
  • Convenient redraw facility. The redraw facility lets you access any additional repayments you may make on your variable rate loan.
  • Internet banking. Manage your finances online through the bank’s Internet platform.
  • Competitive interest rates. St.George aims to offer competitive interest rates to help you save money.

What other products does St.George offer?

  • Credit cards. St.George offers borrowers a host of credit cards to choose from. These include rewards, balance transfer, low interest and cards that offer complimentary insurance cover.
  • Home loans. St.George offers home loans with flexible features and at competitive interest rates. The bank offers loans with fixed and variable interest rates, as well as comprehensive loan packages.
  • Term deposits. Place your money in term deposits to yield higher interest rates. This is an option for clients who have extra money to invest, yet don’t want the risks associated with the stock market.
  • Transaction accounts. St.George offers a number of transaction accounts. The Complete Freedom Account features $0 account service fees, while the bank has also created accounts designed for students and retirees.

How to apply for a personal loan from St.George

Ready to apply for a St.George personal loan? You can click "Go to Site" to start your application. First, make sure you meet the minimum eligibility criteria to apply:

  • You're at least 18 years old
  • You have an Australian residential address

St.George allows you to apply for a personal loan in three ways: online, over the phone or by visiting a branch. If you apply online the application takes 15 minutes to complete, and you can click through to St George on the secure link on this page. Outlined below is the information you need to provide:

  • Employer details (name, address and phone number)
  • If you're self-employed, your last two years' of tax returns
  • Information on your weekly after-tax income
  • Details of your assets, investments and savings
  • Credit limit of your credit cards and other accounts, as well as the amount you owe on each
  • Details of expenses
  • One personal reference

Applying for a St.George personal loan online won't take more than 15 minutes. Remember to compare your options thoroughly before starting the application process.

More guides on Finder

  • St.George Relocation Loan

    The St.George Relocation Loan is a bridging loan which is available to investors and owner occupiers. It has a maximum length of one year.

  • St.George Portfolio Home Loan review

    St.George Portfolio Home Loan is available for property or a vacant land purchase while only the variable rate option can be used for building.

  • St.George Fixed Rate Advantage Package

    There are a number of saving benefits with the Fixed Rate home loan and Advantage Package combination, like a full-service loan package with low fees.

  • St George Advantage Package home loan

    Find out how you could save with the St George Advantage Package Home loan by bundling some of your financial products together.

  • St.George Basic Home Loan

    The St.George Basic Home Loan offers you an affordable interest rate, low fees and the opportunity to repay your loan sooner if you choose.

  • St.George Fixed Rate Home Loan

    When you fix the interest rate on your home loan, you can prepare your budget for the fixed amount and know exactly what your repayments will be over this time.

  • St.George Portfolio Home Equity Loan Advantage Package

    Do you want to increase your current investment portfolio? The St.George Bank offers an easy way to gain the money for new investments and an effective way to manage them. Read on and find out more about the St.George Portfolio Home Equity Loan

  • St.George Standard Variable Rate Home Loan

    The St.George Standard Variable Rate Home Loan is a full-featured home loan that offers a low interest rate. You can combine this with other St.George offers and get a discounted interest rate and include it in an Advantage package based on how much you borrow.

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 25.69% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

Logo for Pepper Money Unsecured Fixed Rate Personal Loan
Pepper Money Unsecured Fixed Rate Personal Loan

You'll receive a fixed rate between 6.95% p.a. and 17.95% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Make additional repayments or pay off the loan early, penalty-free.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

5 Responses

  1. Default Gravatar
    AnitaFebruary 21, 2019

    Iamunemployandonnewstart

    • Default Gravatar
      NikkiFebruary 23, 2019

      Hi Anita,

      Thanks for getting in touch! We have a page that list providers considering applications for Centrelink recipients on this page. Please review the criteria, details of the loan product and contact the lender directly to discuss your loan options and eligibility.

      Best,
      Nikki

  2. Avatarfinder Customer Care
    MayMarch 14, 2017Staff

    Hi Kaz,

    Thank you for your inquiry.

    The lenders who might consider the application of Centrelink recipients are the ones listed on this page. Please review the criteria, details of the loan product and contact the lender directly to discuss your loan options and eligibility.

    Cheers,
    May

  3. Default Gravatar
    donnaMay 2, 2014

    How long does it take for approval?

    • Avatarfinder Customer Care
      ShirleyMay 2, 2014Staff

      Hi Donna,

      Thanks for your question.

      It usually depends on the nature of your application. Once you application is received online, you’ll get a response within 60 seconds. You’ll be notified if you have been pre-approved or not and from there, you may be asked to supply documentation. If you require a personal loan urgently, our page on same day personal loans may help.

      Cheers,
      Shirley

Go to site