St.George Unsecured Personal Loan – Variable Rate

Rates and fees last updated on

When it comes to personal loans, with the Unsecured Variable Rate Personal Loan from St.George provides a range of competitive features.

When you have a special purchase in mind, it is important to finance it in a way that keeps you in control. If you value flexibility at every turn, the unsecured variable rate personal loan from St.George may just check all your boxes. Their convenient online services make it easy to manage your loan and take control of your repayments so you can pay it off as soon as possible.

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


  • Redraw feature available
  • Ability to choose a either fixed or variable rate of interest
  • Debt consolidation feature


  • Ongoing monthly service fee of $12

Things to consider about the St.George Unsecured Personal Loan — Variable Rate

This Variable Rate Personal Loan from St.George offers a lot of opportunities to borrowers. The flexibility to buy almost anything and generous repayment options make this loan competitive, while the fact that is unsecured means none of your assets are at risk.

St.George has a whole range of personal loans to suit different borrowers. For set repayments consider the Unsecured Fixed Rate Personal Loan, or for a lower interest rate and higher loan amount check out the Secured Personal Loan with either a variable or fixed rate.

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

  • Interest rate. St.George’s variable interest rate for this loan is 12.99% p.a. with a comparison rate of 14.06% p.a.
  • Loan terms. You can borrow between $2,000 and $40,000 for a period of 1 year(s) to 7 year(s).
  • Redraw facility. St.George offers a convenient redraw facility. You can access any extra payments you have made for a fee of $12 (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.

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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This page was last modified on 21 July 2016 at 9:42pm.

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4 Responses

  1. Default Gravatar
    davidOctober 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

    • Staff
      JudithOctober 21, 2017Staff

      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
    victorNovember 10, 2016

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

    • Staff
      AnndyNovember 10, 2016Staff

      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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