Rating based on 20 reviews

St George

  • Personal loans up to $50,000
  • Low-interest starting from 6.89%
  • Repayment up to 7 years

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St George homepage
Author St George. Screenshot of St George website.
[Accessed May 24, 2023]

About St George

St.George is part of the Westpac Group and offers customers a range of banking, lending, insurance, wealth management and savings products and services.

They work with large corporations, businesses and individuals taking care of all of their customer’s financial needs with everything from everyday transactional accounts to big property and home loans.

An award-winning lender

St.George has won an award for just about anything and everything imaginable from their contact centre to their MasterCard credit card that won the cheapest balance transfer card and their Vertigo credit card that won the cheapest credit card with Money Magazine.

St George: A history of excellence

Building society origins and expansion

St George, founded in 1937 in the suburbs of Southern Sydney, began its journey as a cooperative building society. Over the years, it steadily grew in prominence, gaining full banking status in 1992.

Throughout its early history, St George expanded its reach through mergers and acquisitions, solidifying its position as Australia's foremost building society.

In 1989, the St George Foundation was established, channelling resources to enhance the lives of Australian children through charitable initiatives. To date, the Foundation has donated over $35 million to support various causes.

Merging with Westpac: A new chapter

In 2008, St George embarked on a transformative path by merging with Westpac Banking Corporation. This merger resulted in the formation of the Westpac Group, Australia's leading financial services organisation.

They then emerged as a major division within the group, contributing significantly to its operations. With a shared commitment to excellence in governance, St George and Westpac uphold high standards of transparency, fair dealing, and stakeholder protection.

St George boasts a rich history as a financial institution, evolving from a building society to a full-service bank. Through its merger with Westpac, it has become a prominent division within Australia's leading financial services organisation.

With a strong commitment to governance and community support through initiatives like the St George Foundation, they continue to provide a comprehensive range of banking services to its customers across Australia.

Finding out more

It's easy to find out more information about St George by simply contacting them via their call centre, visiting a local branch or browsing their website. It has a large amount of information regarding their personal loans, credit cards, accounts, investments and insurance products among others.

St George Services

St.George offer personal loans that range from $2,000 to $50,000 with loan terms of between 1 and 7 years depending on loan amount, financial status and affordability.

Their personal loans are ideally suited to consolidate debt, buy a car, pay for a wedding or event, and travel abroad.

With a StGeorge personal loan, you have the flexibility to meet your financial needs, whether it's purchasing a car, renovating your home, consolidating debts, or any other general purpose.

Which St George personal loan is right for you?

There are two types of personal loans available: unsecured personal loans and secured personal loans. They offer both options so they can accommodate both those who are homeowners and those who are not.

Unsecured personal loans

These do not require collateral and offer personalised rates, with fixed and variable options ranging from 6.89% p.a. to 19.99% p.a. (comparison rate 8.01% p.a. to 21.02% p.a.). Borrowers can obtain amounts ranging from $2,000 to $50,000, with repayment terms of 1 to 7 years.

This loan offers flexibility for various purposes such as home renovations or vehicle purchases. Applying online takes only 20 minutes (or 10 minutes for existing customers), and you'll receive a prompt response. Personalised rates are available based on your credit history and application particulars.

Secured personal loans

On the other hand, the secured option allows you to use your car as security to obtain lower interest rates (conditions apply).

These loans offer fixed rates ranging from 6.49% p.a. to 12.99% p.a. (comparison rate 7.61% p.a. to 14.06% p.a.) and allow borrowing amounts from $3,000 to $100,000, with the same repayment terms as unsecured loans.

Consider opting for a secured St George personal loan, offering a lower interest rate compared to unsecured loans. This loan is suitable for purchasing a new or used car, and you may be able to borrow extra funds for insurance and registration. Apply online in about 20 minutes (or 10 minutes for existing customers), and upon approval, provide car details and visit a branch to finalise the loan.

Apart from their competitive range of fast loans as described above, you can enjoy low-rate credit cards, home loans with flexible terms, business loans and overdrafts, savings and investment accounts as well as a complete range of banking services and everyday transactional accounts.

Consider your needs before making an application

It's important for you to consider your individual circumstances before applying for a St George personal loan.

The interest rates mentioned are subject to change, and you should review the product disclaimer, terms and conditions, and understand the associated fees, charges, and eligibility criteria.

St.George provides personalised pricing for some customers, based on their credit history and application information. This approach allows for tailored loan rates to provide a better rate to more individuals.

St George – Personal loan

  • Loan Type Personal loans
  • Interest Rate 6.8919.99% p/a
  • Loan Amount up to $50,000
  • Repayment 12 months to 7 years

Benefits of St George

  • Personal loans up to $50,000
  • Flexible loan term up to 7 years
  • Reliable financial services
  • Low interest from 6.89%

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

St George personal loan: Apply online and get quick approval

St.George Bank is committed to safeguarding the privacy and security of their customers and you are welcome to review their security policies and technology on their website.

Furthermore, you can also find a comprehensive range of articles and information about how to protect yourself online and every day by becoming aware of the latest fraud being perpetrated.

Who can apply for credit

As long as you are an Australian resident or citizen and are aged over 18 you can apply for a short-term loan with St.George.

When making your online loan application you'll have to provide a range of information including details about your employer, your income, your debts, your expenses, your savings and investments, your address as well as all your contact information and the details on one personal referee.

Get your St George personal loan approved - this is how

Apply online in just minutes

With St.George you don’t have to wait an hour to apply in a branch – it can all be done via a very simple online loan application process that should take you no longer than 15 minutes.

Step by step process explained

  1. Visit the St George Bank website and go to the personal loan section.
  2. Click on the "Apply Now" button to start your application.
  3. Fill in the required personal and financial information accurately, including employment details, income, expenses, savings, investments, and debts.
  4. Enter your current residential address, contact information, and details of one personal referee.
  5. Review the application to ensure all information is accurate and complete.
  6. Submit it electronically through the secure online portal.
  7. Wait for them to review your application and provide any necessary additional information.
  8. Once approved, review and accept the loan offer and agreement.

Environmental endeavours

St George has put a lot of time and effort into green practices over the year from reducing their company’s paper usage to participating in earth hour. Their foundation which focuses on helping children has helped and funded over 800 different charities and community projects across the country.

man holding thumbs up

St George is a trusted & reliable provider of personal loans

In our review, St George adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ St George is a registered credit provider in Australia: ACL 233714

Customer Reviews & Testimonials

February 2019

With the assistance of a personal loan from St. George I was able to renovate the kitchen and put in the extra bedroom that we needed for junior. Thank you for helping to make my life more comfor...

Peter B
— Bunbury —

April 2019

I sat down with a cup of coffee and was able to relax and complete the application on my tablet from the comfort of my own home. This is the way that finance should be done!

Mandy M
— Gladstone —

St George Contact

Contact Number


  • not available


Physical Address

  • T5 & 6 Waverley Gardens Shopping Centre, Cnr Police & Jacksons Road Mulgrave VIC 3170 Australia
  • Get Directions

Postal Address

  • St.George Bank, Locked Bag 1, Kogarah, 1485, Australia

Opening Hours

  • Monday 09:30 – 17:00
  • Tuesday 09:30 – 17:00
  • Wednesday 09:30 – 17:00
  • Thursday 09:30 – 17:00
  • Friday 09:30 – 17:00
  • Saturday 09:30 – 13:00
  • Sunday – Closed