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St.George Bank personal loans
St.George has been providing Australians with banking and financial services since its foundation as a building society in 1937. St.George achieved full banking status in 1992, before becoming part of the Westpac group in 2008.
St.George’s personal loans include options to suit different financial requirements, such as unsecured loans for consolidating debt, and secured loans for making large purchases, such as cars or holidays. Bank accounts, home loans, credit cards, insurance and investment services are also among the full suite of financial products available from St.George.
St.George can be contacted via phone, email, online or by visiting a local branch.
Personal Finance Editor
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Why choose St.George Bank
St.George Bank Personal Loans
Personal Loans calculator
Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated repayments
Total interest
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Total repayments
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- This is an estimate of how much you would pay (weekly/fortnightly/monthly) based on your borrowing amount, interest rate and loan term.
- Calculations assume that details entered into calculator, including interest rates, do not change for the lifetime of the loan.
- Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
- Months are assumed to be of equal length. However, given that some months are longer than others, interest charged by vary depending upon the month.
- The calculation rounds of the personal loan repayment to the closest dollar value without decimals.
- All calculations are estimates only; there are no guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
- Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
- Calculator does not include the cost of fees or other extra charges.
- Calculator does not account for changes to interest rates over time.
- This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Read our full disclaimer.
How to Apply
Features of a St George Bank personal loan
St.George personal loans are structured with specific purposes in mind, whether they’re unsecured to consolidate deb, or secured to make major purchases. There are also options for fixed or variable interest rates, depending on if you’d prefer to keep your budgeting simple or to enjoy greater financial flexibility.
You can borrow $3,000 to $80,000 with a St.George personal loan, and repay it on a weekly, fortnightly or monthly basis over the course of one to five years for fixed-rate loans, or one to seven years for variable-rate loans.
If you’re an existing St.George bank customer, you may be eligible for special offers when you take out a St.George personal loan.
St.George personal loans can be used for a range of different purposes including:
- Holidays
- Medical bills
- Weddings
- Student fees
- Debt consolidation
- Renovations
- Shares
- Motor vehicles
- Boats
St George Bank personal loans – customer service
St. George customers can contact the bank online, via email or on the phone. There is also a vast network of branches across Australia. Borrowers can also contact customer service via:
- Online banking
- Phone
- In store Monday - Saturday, 8am – 8pm (AEST)
- Mobile banking
Who is eligible for a St George Bank personal loan?
To be eligible for a St. George personal loan, you’ll need to meet the following criteria:
- Be 18 years or older
- Australian permanent resident
- Have a regular source of income
- Have a good credit history
How to apply for a St George Bank personal loan?
To apply for a St. George personal, borrowers can apply online through the St. George website, in store or over the phone. The application process takes around 10 minutes and involves the following steps:
- Once you’ve compared your personal loan options, you can apply online through the St. George website
- St. George Bank will then review your application and may ask you for more information
- If approved, you can accept review and accept the contract online
- Once accepted, the funds are paid directly into your loan account
At the time of application, you’ll need to provide the following documentation:
- Proof of identity
- Proof of income and employment
- Details of any other financial commitments
- Details of additional assets
St George Bank personal loans review
With several different options available for St.George’s personal loans, it’s possible to select a loan that’s ideally suited to your personal needs and financial situation.
If you’re looking for a low interest rate, the secured fixed-rate personal loan has a rate that’s lower than the market average. The interest rates on St.George’s other personal loan offers are closer to the market average.
All of St.George’s personal loan offers have the same upfront fees and monthly charges, which are also higher than the market average for personal loans.
The ability to make extra repayments on all of St.George’s personal loans is useful, however a redraw facility is offered only on the variable rate options.
If you’re an existing St.George customer, you may be eligible for other limited time offers on St.George personal loans, such as having your establishment fee waived.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.
