St.George Secured Fixed Rate Personal Loan

Rates and Fees verified correct on March 28th, 2017

Plan ahead with a fixed interest rate and competitive features on a Secured Personal Loan from St.George.

Specialising in personal loans for cars, holidays and debt consolidation, St.George has an extensive range of loans on offer to suit a wide variety of needs. The St.George Secured Fixed Rate Personal Loan offers peace of mind and a competitive interest rate when you offer your car as security. By choosing St.George for your personal loan, you can track your repayments via Internet banking and get optional consumer credit Insurance.

Product NameSt.George Secured Personal Loan - Fixed Rate
Interest Rate (p.a.)From 8.49% (fixed)
Comparison Rate (p.a.)9.39%
Interest Rate TypeFixed
Minimum Loan Term1 year
Maximum Loan Term5 years
Min Loan Amount$3,000
Max. Loan Amount$80,000
Application Fee$195
Monthly Service Fee$9


  • Internet banking is available
  • Flexible loan repayment options
  • Lower interest rate offer


  • There is an application fee of $195
  • A service fee of $9 should be paid monthly
  • Withdrawal fees apply

Things to consider about the St.George Secured Personal Loan — Fixed Rate

The interest rate advertised on this loan is available when you offer your car as security. The car you nominate must be less than 12 years at the end of the loan term. As this is a fixed rate loan, your repayment amounts are set for the life of your loan. You will not be able to make extra repayments or use a redraw facility.

St.George also offers a variable rate version of their Secured Personal Loan if you want to be able to make extra repayments and have access to a redraw facility. There is also an option for an Unsecured Personal Loan with either a fixed or variable interest rate.

Features of the St.George Secured Personal Loan — Fixed Rate

  • Competitive fixed interest rate. When your car is offered as security for the loan, you are eligible for an interest rate of 8.49% p.a. for the life of the loan. The comparison rate is 9.39% p.a.
  • Loan terms. You can choose a term between one and five years to suit your needs. You can borrow between $3,000 and $80,000 depending on your individual circumstances.
  • Fees and charges. There is a $195 establishment fee and ongoing $9 monthly administration fee. If you want to repay your loan early there is a charge of $150 within the first 12 months, or $100 after that.
  • Repayment options. To suit your budgeting requirements, you can choose to make your repayments weekly, fortnightly or monthly.

How to apply for the St.George Secured Personal Loan — Fixed Rate

To apply for the St.George Secured Fixed Rate Personal Loan, click ‘Go to site’ and you will be transferred to a secure online application form.

Are you eligible for this loan? You must be:

  • Over 18 years of age
  • An Australian permanent resident

Documentation you will require for each applicant includes:

  • Driver’s licence
  • Income details
  • Current employer’s name and contact details
  • Details of your assets, savings and investments
  • Details of any outstanding debts, including repayment amounts and balances owing
  • One personal reference

You do not need to be an existing St.George customer to apply. Applying online takes 10-15 minutes and if you don’t have all your details on hand you can save your application and return to it within 30 days. You will receive an automatic response indicating whether your application has been successful within 60 seconds of completing the form. You can keep up to date with the status of your application via email, phone or SMS.

It is always recommended that you compare personal loans to help you make the best decision for your particular circumstances. Please click ‘Go to Site’ if the St.George Secured Fixed Rate Personal Loan is the right choice for you.

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This page was last modified on 22 January 2016 at 1:59pm.

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14 Responses to St.George Secured Fixed Rate Personal Loan

  1. Default Gravatar
    marcus | December 12, 2016

    hi I wonder which lender to approach for a car loan? My wife+I are receiving disability support pension and carer payment , carer allowance being 37500/year .

    Thank You

    • Staff
      May | December 12, 2016

      Hi Marcus,

      Thanks for your question.

      The lenders that offer loans to people who are receiving Centrelink payments are listed on this page. I suggest that you read the criteria and get more information from our guide on that page. Once you’ve chosen the loan you wish to apply for, please contact the lender directly to discuss your eligibility and options.


  2. Default Gravatar
    Adrian | November 28, 2016

    Regarding St . George consumer secured car loan…

    I am looking at a 5year 30% balloon car loan.
    My Q is, what are the exit fees and payout fees?
    Will I have to pay additional interest (or all the interest still owning) if I settle the loan early?

    • Staff
      May | November 28, 2016

      Hi Adrian,

      Thanks for your question.

      Usually, if you are planning on paying out your secured car loan early, you will be charged break costs. This is an amount equal to the bank’s reasonable estimate of its loss due to the breaking of the fixed rate period or early repayment of a fixed rate personal loan. I suggest that you contact St. George directly for the exact computation of the cost.


  3. Default Gravatar
    Niall | May 17, 2016

    Hi there,

    I’m on a partner visa (subclass 820) which turns into permanent residency in 1 year. I’m also self employed.

    Am I eligible to apply for a $15,000 loan?


    • Staff
      Elizabeth | May 18, 2016

      Hi Niall,

      The usual criteria for St.George to consider temporary residents for loans is that you have a minimum of two years left on your visa at the time of application and have proof of taxable income, so in your case, tax returns. As your visa ends and you become a permanent resident at the end of the year you may be eligible, but it would be best to speak to someone at St.George directly before applying.

      If you find you’re not eligible you can consider your other options here.

      Hope this helps,


  4. Default Gravatar
    Heejun | May 15, 2016

    I am an international student from Korea, doing a bachelor of engineering at UTS in Sydney.
    I am in the third year but need to get a loan for my tuition.
    Can I have any type of loan?

    • Staff
      Elizabeth | May 16, 2016

      Hi Heejun,

      You may be able to be approved for a loan if you have minimum of two years left on your visa at the time of application and you have proof of taxable income. You can confirm you eligibility directly with St.George.

      If you find out you’re not eligible you can find some other options on this page.

      Hope this helps,


  5. Default Gravatar
    Kate | March 16, 2016

    Hi there

    I have a $30,000 loan with another bank and I am looking around for a better interest rate. Can you please tell me if I can transfer my loan to you, how much the repayments would be a month, what the fixed interest rate would be and if I can get a secure loan with my car? Its a Hyundai 2011 model?
    Thanks Kate.

    • Staff
      Elizabeth | March 17, 2016

      Hi Kate,

      Thanks for your enquiry.

      Just to clarify, you’ve come through to not St.George Bank. However, I can provide you with some information.

      The fixed interest rate on this loan is 8.49% p.a. with a comparison rate of 9.39% p.a.. You can use a personal loan repayment calculator like the one on this page to determine your repayments as it depends on the loan term you select. As for your car, it is eligible as long as it will be less than 12 years old at the end of the loan term.

      I hope this has helped.



  6. Default Gravatar
    Michelle | March 10, 2016

    is there early exit fees and is there any additional fees i need to consider? Thank you

    Can you offer car insurance with the loan?

    • Staff
      Elizabeth | March 11, 2016

      Hi Michelle,

      The main upfront and ongoing fees are listed in the table at the top of this page. However, the early repayment fees are as follows:
      If you pay off your loan within the first 12 months of the term, you’ll be charged $150. If you pay off your loan after the first 12 months and before the end of the loan term, you’ll be charged $100. You should also take into account break costs, which are an amount equal to St.George’s reasonable estimate of its loss due to breaking of the fixed rate period or early repayment of a fixed rate personal loan.

      St.George also has a car insurance product that you can consider taking up. However I’m unsure if this is offered with the loan.

      I hope this information has helped.



  7. Default Gravatar
    | July 19, 2015

    Does this loan offer early payout option?

    • Staff
      Belinda | July 23, 2015

      Hi Anne-Marie,

      Thanks for your enquiry.

      You may be able to payout your loan early with the St. George Secured Fixed Rate personal loan, but please note that you’ll incur a $150 charge within the first 12 months, or $100 after that.

      If you’d like to arrange this, please speak with a St. George representative to discuss your options.


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