St.George Personal Loans
Choose between a secured or unsecured personal loan. Some customers get a personalised rate based on their credit history and the details in their application.
What different scores mean
9+
Excellent
The crème de la crème of personal loans. These products offer the lowest cost loans accompanied by the best features.
7+
Great
Slightly higher in cost and fewer features, but these products are still competitive.
5+
Standard
Typically offering above average rates and possibly lacking in the features department.
0+
Basic
The least competitive in terms of both cost and features.
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How to apply for a St.George personal loan
Applying online is a straightforward process. You'll need to meet general eligibility requirements including:
- Being at least 18 years of age
- Being an Australian citizen or a permanent resident of Australia
- Being in paid employment
St.George eligibility and what you'll need
St.George's own eligibility criteria are a little broader than the general list above. As well as meeting the minimum age, you need to:
- Be an Australian or New Zealand citizen, an Australian permanent resident or a non-resident who holds an acceptable visa
- Have a regular, verifiable Australian taxable income
- Have a fixed, verifiable residential address in Australia
You'll also need proof of identity, details of your current debts and regular expenses, and proof of income if your pay doesn't already go into a St.George account. If you're already a St.George customer, sign in to online banking to check your personal details are up to date before you apply as an existing customer.
Managing your St.George personal loan
You can set up scheduled weekly, fortnightly or monthly repayments in St.George Internet Banking or the St.George App, or repay from another bank's account by BPAY or direct debit.
For help with your loan, tap Contact us in the St.George App to call the right team or sort out your enquiry yourself. St.George's virtual assistant, Georgie, answers everyday banking questions 24/7 in the app and Internet Banking. You can also call St.George personal banking on 13 33 30, or the Tough Times team on 1800 629 795 if you're having trouble making repayments.
Compare other products from St.George
- St.George credit cards
- St.George home loans
- St.George car loans
- St.George business loans
- St.George travel insurance
- St.George home insurance
- St.George car insurance
- St.George life insurance
- St.George landlord insurance
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I am a permanent part time employee working minimum of 34 hours a week. My partner receives a DSP.
Would we be eligible for a loan to finance a car?
Hi Bel,
This really depends on the lender, the car you’re buying, the cost, and your income. I suggest contacting a lender directly and enquiring about your situation.
I’m a temporal resident. Can I get a loan?
Hi Lina,
Yes there are loans available for temporary residents, more information is available here:
https://www.finder.com.au/personal-loans/personal-loans-for-temporary-residents
Iamunemployandonnewstart
Hi Anita,
Thanks for getting in touch!
You may refer to our Centrelink loans page to see and compare lenders who may consider you for a loan. Please review the criteria, details of the loan product and contact the lender directly to discuss your loan options and eligibility. When you are ready, press the ‘Go to site’ button if available to apply.
Best,
Nikki
Hi Kaz,
Thank you for your inquiry.
Given your situation, you may find the list of Centrelink personal loans featured on our website helpful. Please review the criteria, details of the loan product and contact the lender directly to discuss your loan options and eligibility.
Cheers,
May
How long does it take for approval?
Hi Donna,
Thanks for your question.
It usually depends on the nature of your application. Once your application is received online, you will get a response within 60 seconds. You will 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.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Cheers,
Shirley