St.George Unsecured Personal Loan - Variable Rate

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Benefit from the option to make extra repayments with this unsecured personal from St.George.

The Unsecured Personal Loan from St.George is a standard personal loan that can help you finance a range of purposes. You can apply for between $2,000 and $40,000 and have up to 7 years to repay.

From 12.99% (variable)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount


Product NameSt.George Unsecured Personal Loan - Variable Rate
Interest Rate (p.a.)From 12.99% (variable)
Comparison Rate (p.a.)14.06%
Interest Rate TypeVariable
Min Loan Amount$2,000
Max. Loan Amount$40,000
Loan SecurityUnsecured
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Main point to consider with the St.George Unsecured Personal Loan - Variable Rate

This loan comes with a variable rate and terms up to 7 years. You can apply for between $2,000 and $40,000.

You will be charged an establishment fee of $0 and will have to pay a $12 monthly fee. You can also make additional repayments and access them using a redraw facility but you will need to pay $10 to use this feature.

Features of the St.George Unsecured Personal Loan - Variable Rate

  • Interest rate. St.George’s variable interest rate for this loan starts from 12.99% p.a. with a comparison rate of 14.06% p.a.
  • $0 establishment fee. St.George will waive the establishment fee if you apply and are approved before 30 September 2019. This is normally $195.
  • Flexible repayments. You can opt for your repayments to be weekly, fortnightly or monthly depending on what works best for you.
  • Loan amount and terms. You can borrow between $2,000 and $40,000 for a period of 1 to 7 years.
  • Redraw facility. St.George offers a convenient redraw facility. You can access any extra payments you have made for a fee of $10 (minimum $500 redraw amount).
  • Repayment options. You can choose a consistent payment schedule of weekly, fortnightly or monthly to suit your budget. You can also make extra repayments to pay off your loan sooner and use Internet banking to manage and keep track of your repayments.

What fees will be charged?

  • $0 ($195 establishment fee waived) 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.
  • Redraw fee. You will pay a $10 fee to access the redraw facility on your loan.

How to apply for the St.George Unsecured Personal Loan - Variable Rate

Click ‘Go to Site’ to start filling out your online application form for this loan. The process will take 10-15 minutes but first make sure you have everything you need:
Are you eligible?

  • You must be 18 years or older
  • You must be an Australian permanent resident or citizen
  • You will need to open a Complete Freedom or Express Freedom account as part of your application if you are not an existing St.George customer

Each applicant will need to provide:

  • Australian photo ID (driver’s licence or passport)
  • Details of your income, assets, expenses and savings
  • Current employer’s name, address and contact number
  • Limits of credit and store cards, including balances and repayments
  • One personal reference with name, address and contact number

Upon completion of your online application, you will be advised whether you are approved within 60 seconds. You can save an incomplete application form to return to later if you don’t have all the documents required and you can keep up to date with the progress of your application via email or SMS.

It is important to compare personal loans before making a final decision. Please click ‘Go to Site’ if you think the St.George Unsecured Personal Loan - Variable Rate is the best fit for you.

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Important Information*
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RateSetter Unsecured Personal Loan - 3yr Variable

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You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
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  1. Default Gravatar
    October 20, 2017

    do your bank have anypersonal loan for international student on 500 sub class student visa that is temporary residence on two year visa

    • AvatarStaff
      October 21, 2017

      Hi David,

      Thanks for contacting finder, a comparison website and general information service.

      Please go to this page for a list of options for student loans.

      You may also check this page.

      To improve your chances of getting approved for a loan, please ensure that you meet the eligibility criteria and requirements of the loan option or lender and make sure to read the details, as well as the relevant PDS/ T&Cs of the loan option before making a decision and consider whether the product or option is right for you.

      I hope this helps.


  2. Default Gravatar
    November 10, 2016

    I want a loan 6-900 for 6 mths. can repay from pension.

    • AvatarStaff
      November 10, 2016

      Hi Victor,

      Thanks for your question.

      With St. George, they consider loan applications from those who are receiving parenting payments or DSP.

      You may also refer to this page to check for banks or lenders who consider pensioners. Just click the name of a particular brand you are interested in to check their loan offering and eligibility criteria to apply.


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