St.George Unsecured Personal Loan – Fixed Rate Review | finder.com.au

St.George Unsecured Personal Loan – Fixed Rate

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Enjoy the security of a fixed rate with the flexibility of an unsecured loan.

The Unsecured Personal Loan from St.George can help you finance a range of personal purposes including consolidating debt. You can apply for up to $50,000 with this loan and terms of up to 5 years are available. Find out more about the features on offer with this loan in this review.

Things you should know about this loan

  • High fees. This loan comes with a $195 establishment fee and a $12 monthly fee.
  • Low borrowing amount. The minimum borrowing amount of $2,000 is among the lowest available.


From 11.49% (fixed)

Interest Rate (p.a.)

12.57%

Comparison Rate (p.a.)

$2,000

Min Loan Amount

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Details

Product NameSt.George Unsecured Personal Loan - Fixed Rate
Interest Rate (p.a.)
From 11.49% (fixed)
Comparison Rate (p.a.)12.57%
Interest Rate TypeFixed
Min Loan Amount$2,000
Max. Loan Amount$50,000
Loan SecurityUnsecured

Main points to consider about the St.George Unsecured Personal Loan – Fixed Rate.

This loan comes with a fixed rate from 11.49% p.a. (fixed) that applies to your entire loan term, which can last for between 1 and 5 years.

As the loan is unsecured you don't have to offer any assets as a guarantee. An establishment fee of $195 and a monthly fee of $12 applies.

Features St.George offers with its Unsecured Personal Loan

There are a number of notable features that come with this loan, including:

  • Competitive fixed rate. You will receive a fixed rate from 11.49% p.a. that will apply to your loan for the entire term, helping to keep your repayments manageable and making it easy for you to budget each month.
  • Flexible repayments. You can opt for your repayments to be weekly, fortnightly or monthly depending on what works best for you.
  • Choice of loan terms. Reduce the amount of interest you pay overall or make your repayments more manageable by having your choice of loan terms. Terms of between 1 and 5 years are available.
  • Various loan amounts available. You can apply for any amount between $2,000 and $50,000, making the loan suitable for a range of purposes.
  • Online loan management. You can register for Internet banking to manage your loan statements. Convenient eStatements are also available.

What fees apply?

  • $195 establishment fee.
  • $12 monthly fee.
  • $150 early termination fee. You will pay this fee if you fully repay the loan within the first 12 months. The fee is $100 if you repay the loan after the first year, but before the end of the loan term.

How you can apply for the Unsecured Personal Loan – Fixed Rate

The online application process is simple and quick, and if you'd like to get it started you can by clicking "Go to Site". First, check you meet the following eligibility criteria:

  • You're over the age of 18
  • You're an Australian citizen or permanent resident

If you meet these criteria you are eligible to apply. You'll need the following information on hand to complete the application:

  • Your current employer's name and contact details
  • Your recent tax information if you're self-employed
  • The weekly after-tax income of each person applying for the loan
  • Details of your assets, savings and investments
  • The amounts you owe on your credit and store card accounts
  • Your current expenses
  • Details of one personal reference

It takes less than 15 minutes to apply, and less time if you are a current St.George customer.

The Unsecured Personal Loan from St.George is a flexible and competitive option to consider, but there are other options available. Remember to always compare offerings with what's available in the market to ensure you're applying for the right loan for you.

Compare other personal loans

Data updated regularly
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Symple Loans Personal Loan

From 5.75% (variable)
6.47%
$5,000
1 to 7 years
from 0% to 5% of the loan amount
$10
You'll receive a personalised interest rate from 5.75% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
Harmoney Unsecured Personal Loan

From 6.99% (fixed)
7.79%
$2,000
3 to 5 years
$575 ($275 for loans of below $5,000)
$0
You'll receive a fixed rate between 6.99% p.a. and 24.79% 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.
Plenti Personal Loan

From 6.39% (fixed)
6.39%
$2,001
3 to 7 years
$0 to $999
$0
You'll receive a fixed rate between 6.39% p.a. and 17.89% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
NAB Personal Loan Unsecured Fixed

From 6.99% (fixed)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% 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.
Citi Personal Loan Plus
8.90% (variable)
9.18%
$5,000
3 to 5 years
$199
$0
You'll receive a variable rate of 8.90% p.a. with a comparison rate of 9.18% p.a.
A credit limit up to $40,000 that you can continue to draw down over terms up to 5 years. Note: Monthly account service fee will be waived for applications submitted before 30 September 2021.
Alex Personal Loan

From 5.49% (fixed)
5.49%
$2,100
6 months to 5 years
$0 (Waived $295 establishment fee)
$0
You'll receive a fixed interest rate from 5.49% p.a. to 19.99% p.a. based on your risk profile
Borrow between $2,100 and $30,000 from 6 months to 5 years. Note: The $295 establishment fee will be waived for loan applications submitted by 3 May 2021
OurMoneyMarket Personal Loan

From 5.35% (fixed)
6.31%
$2,001
1 to 7 years
1.5–6% of your total loan amount
$0
You'll receive a fixed rate from 5.35% p.a. to 20.99% p.a. based on your risk profile
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.


⭐ Finder Exclusive: Apply before April 30th to secure a discounted rate of 5.35% p.a. (comparison rate: 6.31% p.a.) for the first 12 months.
NOW Finance No Fee Unsecured Personal Loan

From 5.95% (fixed)
5.95%
$5,000
18 months to 7 years
No Establishment Fee
$0
You'll receive a fixed rate between 5.95% p.a. and 17.95% p.a. based on your risk profile
Borrow from $5,000 to $7,999 with loan terms between 18 months and 3 years or borrow $8,000 to $50,000 with loan terms between 18 months and 7 years.


⭐ Finder Exclusive: Get a free $200 Westfield e-gift card once your loan application has settled. Offer ends on 30 April 2021. T&Cs apply.
Latitude Personal Loan (Unsecured)

From 7.99% (fixed)
9.24%
$3,000
1 to 7 years
$250 (Loans under $5000 - $140)
$13
You'll receive a fixed rate between 7.99% p.a. and 22.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Repay weekly, fortnightly or monthly. You can check your interest rate before applying with no impact to your credit score.
SocietyOne Unsecured Personal Loan (2-3 years)

From 6.39% (fixed)
6.39%
$5,000
2 to 3 years
from 0% to 5% of the loan amount
$0
You'll receive a fixed rate between 6.39% p.a. and 17.49% 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.
SocietyOne Unsecured Personal Loan (5 years)

From 6.39% (fixed)
6.39%
$5,000
5 years
from 0% to 5% of the loan amount
$0
You'll receive a fixed rate between 6.39% p.a. and 19.99% 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.
Wisr Personal Loan

From 6.49% (fixed)
6.76%
$5,000
3 to 5 years
$595
$0
You'll receive a fixed rate between 6.49% p.a. and 19.95% p.a. based on your risk profile
A loan from $5,000 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.
CUA Unsecured Fixed Rate Personal Loan
9.39% (fixed)
9.64%
$5,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 9.39% p.a.
An unsecured loan from $5,000 with flexible repayments and no monthly fee.
MoneyMe Personal Loans

From 6.25% (fixed)
7.64%
$2,100
1 to 5 years
from $295 to $495
$10
You'll receive an interest rate between 6.25% p.a. and 19.95% p.a. based on your risk profile
Borrow up to $50,000 with no hidden fees or costs. Application process usually takes 5 minutes to complete and is done fully online.
Plenti Variable Rate Personal Loan

From 6.39% (variable)
6.39%
$2,001
1 to 3 years
$0 to $999
$0
You'll receive a variable rate from 6.39% p.a and 16.89% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.
Pepper Money No Fee Personal Loan

From 5.95% (fixed)
5.95%
$5,000
18 months to 7 years
$0
$0
You'll receive a fixed rate between 5.95% p.a. and 17.95% p.a. based on your risk profile
Borrow from $5,000 to $50,000 and use for a range of purposes. Pay no upfront, early repayment or ongoing fees.
CUA Unsecured Variable Personal Loan
11.89% (variable)
12.15%
$5,000
1 to 7 years
$175
$0
You'll receive a variable rate of 11.89% p.a.
Borrow from $5,000 with the option for flexible repayments and no monthly fees.
NAB Personal Loan Unsecured Variable Rate

From 6.99% (variable)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a variable rate between 6.99% p.a. and 18.99% p.a. (7.91% 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. Benefit from fee-free additional repayments and a redraw facility. 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.
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Compare up to 4 providers

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 24.79% 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 ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 10.5% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

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

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% 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.

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4 Comments

    Default Gravatar
    Gabby
    March 17, 2019

    What is the cheapest loan for $2,500?

      Avatarfinder Customer Care
      Mai
      March 18, 2019

      Hi Gabby,

      Thank you for visiting Finder.

      You may want to check our comparison pages for an unsecured personal loans, cheap personal loans, and low interest personal loans to compare lenders who may allow you to borrow a $2,500 loan.

      From the pages above, you can use the online calculator above the comparison table to check the interest rates and fees so you can decide what do you think will work for you.

      Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the product is right for you.

      Let us know if you need further assistance and we’ll be happy to help.

      Kind Regads,
      Mai

    Default Gravatar
    Guy
    October 15, 2018

    Would it be worth applying for 15,000 with a credit rating of 658

      Default Gravatar
      Nikki
      October 15, 2018

      Hi Guy,

      Thanks for your inquiry and for visiting our page.

      Lenders have different unique ways to assess loan applications. Your credit score is a good gauge for them and other factors considered for approval.
      As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the product disclosure statement of the loan and contact the lender should you need any clarifications.

      Also, you may check our guide on how to use good credit scores to know where you stand.

      Cheers,
      Nikki

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