Unsecured Variable Personal Loan

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 19.99%, Comparison Rate 20.83%
• Repayment Type:
• Loan Purpose:

 Product Features

• Other Additional Information: Set an end-date for your loan : Every repayment reduces what you owe and gets you closer to paying off your loan.

• Other Additional Information: Flexible loan repayments : Choose a loan term of 1-7 years to suit your circumstances and make weekly, fortnightly or monthly repayments.

• Other Additional Information: Borrow without an asset as security : With an unsecured personal loan, you don't have to offer your car as security for your loan.

• Digital Banking Additional Information: Internet banking access : Viewing and tracking your loan is convenient ? it?s all in the one place on the mobile banking app

• Redraw Additional Information: Redraw facility on variable rate loans : Redraw money from the amount you've repaid if you need to, provided you're at least $500 ahead on your repayments. Each request is subject to approval.

• Extra Repayments Additional Information: The product has EXTRA_REPAYMENTS option available.

• Fraud Protection Additional Information: The product includes FRAUD_PROTECTION features.

• Relationship Management Additional Information: RELATIONSHIP_MANAGEMENT is available for eligible customers.

• Other Additional Information: Internet and Phone banking : Includes the Security, Stopping or altering payments, Scheduled transactions and payments , Other transactions and payments, Faults and service difficulties

 Product Eligibility

• Min Age - 18. Additional Information: Should be aged 18 years or over

• Residency Status - You Have Permanent Residency In Australia/nz Or You're A Non-resident Or Migrant And Hold An Acceptable Visa, With A Minimum 1 Year Before Expiry.

• Other Additional Information: You have a fixed, verifiable residential address in Australia.

• Other Additional Information: You have a regular, verifiable Australian taxable income

 Bank Fees and Charges

• Lending Establishment Fee (Upfront), Amount: 150.00.

• Monthly Loan Account Fee (Periodic), Amount: 12.00.

• Loan Discharge Fee - Within 12 Months (Exit), Amount: 150.00. Additional Information: Loan discharge fee if you fully repay the loan within the first 12 months

• Loan Discharge Fee - After 12 Months (Exit), Amount: 100.00. Additional Information: Loan discharge fees if you fully repay the loan after the first 12 months and before the end of the loan term

• Redraw Fee (Event), Amount: 0.00.

• Missed Payment Fee (Event), Amount: 15.00. Additional Information: Payable when we send you an arrears letter relating to an overdue amount.

• Processing Fee (Transaction), Amount: 3.00. Additional Information: Payable each time you make any repayment on your loan over the counter in a branch or by cash or cheque

 Limitations & Restrictions (Constraints)

• Min Limit of 2000.00

• Max Limit of 50000.00

 Document Downloads

  stg-personal-loan-terms.pdf (669.3 KB)
  stg-personal-loan-fees-charges.pdf (1.3 MB)
  stg-acceptable-visas-upl.pdf (270.2 KB)