Personal Loans
Personal loans
Turn everyday goals and big life plans into reality with our personal loans.
Why choose St.George

Personalised rates**
Know that you're getting the best rate for your needs.

Fast response
Apply online and get a response within 60 seconds.

Be in control
Choose your loan term and repayment frequency.

Flexibility
Access your extra repayments free of charge1.
$125 off the establishment fee
You could save $125 off the lending establishment fee++ (normally $250) when you're approved and accept your Car Loan^^ by 12 July 2025.
Existing St.George customers only. Eligibility credit criteria terms and conditions and other fees apply. Offer excludes Unsecured Personal Loans. Approved contracts must be accepted before 12 July 2025.
Logon and tap Products (at the bottom of the screen) > Personal loans > Car Loan > Apply now
Our Personal Loans
Fixed rate Personal Loan
Features
- Borrow $2k - $50k
- $0 extra repayment fee#
Rates & fees
- Fixed interest: 7.49% p.a. to 20.59% p.a.
- Comparison: 8.54% p.a. to 21.59% p.a.^
- Establishment fee: $250##
- Account fee: $10/month
Other fees and charges may apply.
Estimated weekly repayments: $79, based on a 7-year loan term of $15,000 with a median interest rate of 16.09% p.a. (comparison rate of 17.10% p.a.).>>
Variable rate Personal Loan
Features
- Borrow $2k - $50k
- $0 redraw1 and exit fee#
Rates & fees
- Variable interest: 7.49% p.a. to 20.59% p.a.
- Comparison: 8.54% p.a. to 21.59% p.a.^
- Establishment fee: $250##
- Account fee: $10/month
Other fees and charges may apply.
Estimated weekly repayments: $79, based on a 7 year loan term of $15,000 with a median interest rate of 16.09% p.a. (comparison rate of 17.10% p.a.).>>
Secured Personal Loan^^
Features
- Borrow $3k - $100k
- A lower rate^^
Rates & fees
- Fixed interest: 6.49% p.a. to 12.99% p.a.
- Comparison: 7.69% p.a. to 14.14% p.a.^
- Establishment fee: $250##
- Account fee: $12/month
Other fees and charges may apply.
Estimated weekly repayments: $133, based on a 7 year loan term of $30,000 with a median interest rate of 10.99% p.a. (comparison rate of 12.16% p.a.).>>

What's the difference between a Fixed and Variable rate Loan?
A fixed rate loan gives you the security of knowing what your repayments are and protects you against interest rate rises for the life of the loan.
A variable rate loan gives you flexibility, as you can pay extra off your loan# and request to redraw1 those extra payments if and when you need them.
Frequently Asked Questions
What's the difference between a Secured and Unsecured Personal Loan?
A secured loan requires an asset, such as a car, as security for your personal loan. If you don't repay your loan, the lender can sell the asset to cover the cost of the loan.
An unsecured loan doesn't require an asset for your personal loan.
How fast is the application process?
It usually takes less than 15 minutes to complete your application online. Once we receive your completed online application, you will receive a response within 60 seconds.
Important information
Any advice on this website is general in nature and has been prepared without considering your objectives, financial situation or needs. Please read the product disclaimer and Terms and Conditions documents and consider your individual circumstances before applying for a St.George Personal Loan. Credit criteria, fees, charges, terms and conditions apply. Information correct as of 22 May 2024. Interest rates are subject to change.
Our standard variable rate for unsecured variable rate loans is 14.99% p.a. (comparison rate 16.00% p.a.). The rate for some customers is based on personalised pricing. The final rate you're offered may be lower or higher than 14.99% p.a. (comparison rate 16.00% p.a.), depending on your personal financial circumstances.
**Personalised rates: The rate for some customers is based on personalised pricing. Instead of a one-size-fits-all approach, personalised pricing allows us to offer more people personal loans at a better rate, based on an assessment of credit history as well as the information provided in the application.
1A Redraw facility is available on variable interest rate loans only. Redraw requests are subject to approval. Minimum redraw amount is $500 and a $0 redraw fee applies to each approved request. Other fees and charges may apply.
#Loan discharge fee of $150 for a Fixed rate Personal Loan if you fully repay the loan within the first 12 months, or $100 if you fully repay the loan after the first 12 months and before the end of the loan term.
^Comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan amounts and terms will result in different comparison rates. Costs such as loan discharge fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Unsecured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years:
- The minimum interest rate for an unsecured fixed & variable rate loan is 7.49% p.a. (Comparison rate 8.54% p.a.) with the estimated total amount payable including fees is $36,960.
- The maximum interest rate for an unsecured fixed & variable rate loan is 20.59% p.a. (Comparison rate 21.59% p.a.) with the estimated total amount payable including fees is $49,284.
Secured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a secured loan of $30,000 borrowed for 5 years:
- The minimum interest rate for a secured fixed rate loan is 6.49% p.a. (Comparison rate 7.69% p.a.) with the estimated total amount payable including fees is $36,224.
- The maximum interest rate for a secured fixed rate loan is 12.99% p.a. (Comparison rate 14.14% p.a.) with the estimated total amount payable including fees is $42,008.
++Establishment fee discount is available to existing St.George customers who apply, are approved and accept a Secured Personal Loan before 12 July 2025. You will be charged $125 for your establishment fee (St.George establishment fee is $250). Excludes non-resident applicants or applicants with temporary visas. Eligibility credit criteria, T&Cs and other fees apply. This offer is not available in conjunction with or in addition to any other special offers, negotiated rates or discounts. All other fees outlined on the Product page and in the Fees and Charges booklet apply. Offer starts 14 April 2025 and ends 12 July 2025.
##The lending establishment fee will be deducted from your loan amount. Please read full terms and conditions & fees and charges before making a decision to apply for a St.George Personal Loan.
>>Repayment amount examples: help you understand the estimated weekly cost of a personal loan. All repayment amount examples are shown for a loan term of 7 years with a weekly repayment schedule using the average customer loan amount over the last 12 months. Information as of 27 November 2023
- For a fixed rate Unsecured Personal Loan based on a borrowing amount of $15,000 and term of 7 years with a median interest rate of 16.09% p.a. (comparison rate of 17.10% p.a.), the weekly repayment amount including fees is $79.
- For a variable rate Unsecured Personal Loan based on a borrowing amount of $15,000 and term of 7 years with a median interest rate of 16.09% p.a. (comparison rate of 17.10% p.a.), the weekly repayment amount including fees is $79.
- For a Car Loan based on a borrowing amount of $30,000 and a term of 7 years with an interest rate of 10.99% p.a. (comparison rate 12.16% p.a.), the weekly repayment amount including fees is $133.
^^To qualify for a Secured Personal Loan, applicant must meet all credit criteria and the car offered as security must meet all criteria - either new or if used, cannot be older than 7 years at time of application, registered under the applicant's name once purchased, has been made locally or imported by the manufacturer, has never been written off (even if it was repaired), has a paid, fully comprehensive insurance policy with St.George noted as the financier and is for personal use only. The loan amount may exceed the vehicle's market value, as defined by St.George, to cover the purchase price of the vehicle and other expenses.
Unless otherwise specified, the products and services described on this website are available only in Australia from St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.