St.George Bank personal loan repayment calculator

Thinking about taking out a personal loan with St.George Bank? Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how St.George Bank personal loans compare with other options.

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Your estimated repayment

at interest rate 10.00 %

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Pros and cons

  • Can apply online
  • Can apply in branch
  • Suitable for both new and used cars
  • Application fee charged
  • Monthly fee charged
  • Not the cheapest rate in the market

St.George Bank personal loans rates

Advertised Rate
Comparison Rate*
Upfront Fee
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based on $30,000 loan amount for 5 years


Redraw facility
Extra repayments
Fully drawn advance
St.George Bank
More details





based on $30,000 loan amount for 5 years


Redraw facility
Extra repayments
Fully drawn advance
St.George Bank
More details


Variable up to 18.9%



based on $30,000 loan amount for 5 years


Redraw facility
Extra repayments
Fully drawn advance
St.George Bank
More details


Fixed up to 18.9%



based on $30,000 loan amount for 5 years


Redraw facility
Extra repayments
Fully drawn advance
St.George Bank
More details





based on $30,000 loan amount for 5 years


Redraw facility
Extra repayments
Fully drawn advance
St.George Bank
More details

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
  • Email
  • 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.

How much can you borrow with a bad credit personal loan?

Borrowers who take out bad credit personal loans don’t just pay higher interest rates than on regular personal loans – they also get loaned less money. Each lender has its own policies, but you’ll find it hard to get approved for a bad credit personal loan above $50,000.

How long does it take to get a student personal loan?

Completing an online personal loan application can often take anywhere from 10 minutes to 1 hour. Depending on your lender, processing your personal loan application may take anywhere between 1 and 24 hours. If your personal loan application is approved, you may receive the money in your bank account the following business day, or even the same day, in some cases.

What do single parents need for a personal loan application?

Much like applying for other personal loans, applying for personal loans for single parents will likely require the following:

  • Proof of identity
  • Proof of residence
  • Proof of income
  • Details of assets (e.g. car, home)
  • Details of liabilities (e.g. credit cards, other loans)
  • Loan amount
  • Loan term

What is the average interest rate on personal loans for single parents?

Like other types of personal loans, the average interest rate for personal loans for single parents changes regularly, as lenders add, remove, and vary their loan offers. The interest rate you’ll receive may depend on a range of different factors, including your loan amount, loan term, security, income, and credit score.

What are the pros and cons of bad credit personal loans?

In some instances, bad credit personal loans can help people with bad credit history to consolidate their debts in such a way that it makes it easier for them to repay those debts. This is because the borrower might be able to consolidate several debts with higher interest rates (such as credit card loans) into one single debt with a lower interest rate.

However, this strategy can backfire if the borrower spends the extra money instead of using it to repay the new loan. Another disadvantage of bad credit personal loans is that they have higher interest rates than regular personal loans.

What is a bad credit personal loan?

A bad credit personal loan is a personal loan designed for somebody with a bad credit history. They have higher interest rates than regular personal loans and are also harder to access.

Is it hard to improve your credit score?

It can be hard to improve your credit score, as it usually requires sacrifice and discipline, but hard doesn’t necessarily mean complicated. There are nine steps you can take to improve your credit score, most of which are simple to follow.

As a general rule, the lower your credit score, the more remedies you can apply and the greater the scope for improvement.

Are there low doc personal loans?

Self-employed borrowers may be eligible for low doc personal loans, which require less documentation in their application process than many other personal loan options.

It’s important to remember that though low doc personal loans may require less paperwork, you may need to provide additional security, or pay a higher interest rate.

Can you pay off a quick loan early?

Many lenders will allow you to make extra repayments onto a quick personal loan when you can afford them, or even exit the loan early, which can help reduce the total interest you are charged. Be sure to check your quick loan’s terms and conditions, as some lenders charge early exit fees for paying off a loan ahead of schedule.

How are credit ratings/scores calculated?

Different credit reporting bodies use different formulas to calculate credit scores. However, they use the same type of information – credit history and demographic profile.

So they’re going to look at how many credit applications you’ve made, who they were with, what they were for, how much they were for and your repayment record. They’ll also look at your age and postcode. They’ll also look to see if you’ve had any bankruptcies or other relevant legal judgements against you.

Your score can change if your demographic profile changes or new information is added to your file (such as a new loan application) or existing information is removed from your file (because it has reached its expiry date).

How do you get a bad credit personal loan?

You can get a bad credit personal loan by applying directly to a lender, by going through a mortgage broker or by using a comparison website like RateCity.

Can I get a personal loan if I receive Centrelink payments?

It is hard, but not impossible, to qualify for a personal loan if you receive Centrelink payments. Some lenders won’t lend money to people who are on welfare. However, other lenders will simply consider Centrelink payments as another factor to weigh up when they assess a person’s capacity to repay a loan.

What is comprehensive credit reporting?

Comprehensive credit reporting means including both positive and negative information on a person’s credit file. Before comprehensive credit reporting was introduced, only negative information was included.

Can I apply for a quick loan online?

While some lenders will require you to provide paperwork in person, many lenders will allow you to make a quick personal loan application online. You’ll still need to provide information on your identity, income, and loan purpose in most cases.

What causes bad credit ratings/scores?

Failing to repay loans and bills will damage your credit score. So will falling behind on your repayments. Your credit score will also suffer if you apply for credit too often or have credit applications rejected.