⚡️⚡️⚡️
With energy prices rising, switch to a cheaper plan
💡
Compare Prices Now
⚡️⚡️⚡️

St.George Secured Fixed Rate Personal Loan

Benefit from a competitive interest rate when you use an eligible as security and use the funds for any purpose.

By using your car as security you can take advantage of a competitive fixed rate of 6.49% p.a. over a maximum term of 7 years. You can used your approved funds for any purpose. Find out what eligibility criteria there are for vehicles and what loan features are on offer

No reviews yet. Write a review

From 6.49% (fixed)

Interest Rate (p.a.)

7.61%

Comparison Rate (p.a.)

$3,000

Min Loan Amount

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Details

Product NameSt.George Secured Personal Loan - Fixed Rate
Interest Rate (p.a.)From 6.49% (fixed)
Comparison Rate (p.a.)7.61%
Interest Rate TypeFixed
Min Loan Amount$3,000
Max. Loan Amount$80,000
Loan SecuritySecured

Main points to consider about the St.George Secured Personal Loan - Fixed Rate

This loan comes with a competitive fixed rate of 6.49% p.a. when you attach a vehicle as security. This car cannot be more than 12 years old at the end of the loan term and must be registered in your name. There is an application fee of $195 as well as a monthly service fee of $12.

This loan comes with a maximum term of 7 years.

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 6.49% p.a. for the life of the loan. The comparison rate is 7.61% p.a.
  • How long you have to repay. You can choose a term between 1 to 7 years to suit your needs.
  • How much you can borrow. You can borrow between $3,000 and $80,000 depending on your individual circumstances.
  • Flexible repayment options. To suit your budgeting requirements, you can choose to make your repayments weekly, fortnightly or monthly.

What fees apply?

  • $195 establishment fee.
  • $12 monthly administration fee.
  • Early termination fee. If you want to fully repay your loan within the first 12 months, you will pay a $150 termination fee. If you repay the loan after the first 12 months but before the end of the loan term, you will pay a $100 fee.

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
  • You may also be eligible if you've recently moved to Australia

The vehicle you're using as security needs to meet the following criteria:

  • Registered in your own name once purchased
  • It is a four-wheel vehicle that has never been written off or extensively damaged
  • 12 years old or less at the end of the loan term
  • Covered for one year's full comprehensive car insurance

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.

Compare other personal loans

1 - 14 of 14
$
Name Product Mobile details underline Interest Rate (p.a.) Comp. Rate (p.a.) Rate Type Application Fee Monthly Fee Monthly Repayment
Wisr Secured Car Loan Fixed, 3 - 7 Years, $5,000 - $79,000
Wisr Secured Car Loan
3 - 7 Years, $5,000 - $79,000
7.09%
to 14.99%
7.93%
to 13.88%
Fixed
$605
$0
You'll receive a personalised interest rate from 7.09% p.a. to 14.99% p.a. based on your risk profile
A flexible car loan from $5,000 - $79,000 with personalised rates and rewards for strong credit customers.
loans.com.au - New - Fixed Rate Special Fixed, 3 - 5 Years, $5,000 - $100,000
loans.com.au - New - Fixed Rate Special
3 - 5 Years, $5,000 - $100,000
5.69%
6.24%
Fixed
$400
$0
You'll receive a fixed rate of 5.69% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment.

Credit Concierge Car Loan - Prime (Credit Score 800+) Fixed, 1 - 7 Years, $10,000 - $150,000
Credit Concierge Car Loan - Prime (Credit Score 800+)
1 - 7 Years, $10,000 - $150,000
4.99%
to 6.99%
5.9%
to 7.9%
Fixed
$295
$5.50
You'll receive a fixed rate of 4.99% p.a. with a comparison rate of 5.9% p.a.
Must have a high credit score and excellent previous repayment history to qualify. Home ownership or mortgage may assist overcoming a lower credit score in some instances. Lenders individual credit criteria applies and approval is not guaranteed nor is the interest rate finalised until a formal submission for finance is made.
RACV New Car Loans Fixed, 1 - 7 Years, $5,000 - $150,000
RACV New Car Loans
1 - 7 Years, $5,000 - $150,000
6.99%
7.59%
Fixed
$499
$0
You'll receive a fixed rate from 6.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
NRMA New Car Loan Fixed, 1 - 7 Years, $5,000 - $130,000
NRMA New Car Loan
1 - 7 Years, $5,000 - $130,000
6.99%
7.59%
Fixed
$499
$0
You'll receive a fixed rate from 6.99% p.a.
Purchase a new or used car up to 3 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
Stratton Finance New Car Loan Fixed, 1 - 7 Years, $10,000 - $300,000
Stratton Finance New Car Loan
1 - 7 Years, $10,000 - $300,000
5.44%
to 18%
7.03%
to 19.61%
Fixed
$482
$8.90
You'll receive a fixed rate from 5.44% p.a. depending on the lender you are approved with.
Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
OurMoneyMarket Car Loan Fixed, 1 - 7 Years, $2,001 - $75,000
OurMoneyMarket Car Loan
1 - 7 Years, $2,001 - $75,000
6.25%
to 20.99%
6.87%
to 23.84%
Fixed
1.5% - 6%
min. $250
$0
You'll receive a fixed interest rate from 6.25% p.a. to p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 7 years.
loans.com.au - New - Variable Rate Special Variable, 3 - 5 Years, $5,000 - $100,000
loans.com.au - New - Variable Rate Special
3 - 5 Years, $5,000 - $100,000
4.74%
5.29%
Variable
$400
$0
You'll receive a variable rate of 4.74% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees.

NRMA Used Car Loan Fixed, 1 - 7 Years, $5,000 - $130,000
NRMA Used Car Loan
1 - 7 Years, $5,000 - $130,000
7.99%
8.6%
Fixed
$499
$0
You'll receive a fixed rate from 7.99% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
loans.com.au - Variable Rate Used Car Loan (6 to 7 years) Variable, 3 - 5 Years, $5,000 - $100,000
loans.com.au - Variable Rate Used Car Loan (6 to 7 years)
3 - 5 Years, $5,000 - $100,000
6.04%
6.59%
Variable
$400
$0
You'll get a variable rate of 6.04% p.a.
Borrow up to $100,000 for a used car for 6+ years, with no monthly fee.

Credit Concierge Car Loan - Mid Prime (Credit Score 500-800) Fixed, 1 - 7 Years, $10,000 - $150,000
Credit Concierge Car Loan - Mid Prime (Credit Score 500-800)
1 - 7 Years, $10,000 - $150,000
5.99%
to 7.99%
6.9%
to 8.9%
Fixed
$350
$8.50
You'll receive a fixed rate of 5.99% p.a. with a comparison rate of 6.9% p.a.
Must have an above average credit score and no defaults or late payments in the last 6 months. Home ownership or mortgage may assist overcoming a lower credit score in some instances. Lenders individual credit criteria applies and approval is not guaranteed nor is the interest rate finalised until a formal submission for finance is made.
loans.com.au - Variable Rate Used Car Loan (8+ years) Variable, 3 - 5 Years, $5,000 - $50,000
loans.com.au - Variable Rate Used Car Loan (8+ years)
3 - 5 Years, $5,000 - $50,000
9.94%
10.51%
Variable
$400
$0
You'll get a variable rate of 9.94% p.a.
Borrow up to $50,000 for a used car for 8+ years, with no monthly fee.

Credit Concierge Car Loan - Sub Prime (Credit Score Below 500) Fixed, 1 - 7 Years, $10,000 - $150,000
Credit Concierge Car Loan - Sub Prime (Credit Score Below 500)
1 - 7 Years, $10,000 - $150,000
14.99%
to 24.99%
17.99%
to 27.99%
Fixed
$350
$8.50
You'll receive a fixed rate of 14.99% p.a. with a comparison rate of 17.99% p.a.
Must have stable employment longer than 3 months with no recent missed payments or overdrawn bank accounts. Defaults are assessed on individual circumstances and amounts on credit file must be paid or under arrangement. Good savings history may assist overcoming a low credit score and any unpaid defaults in some instances. Lenders individual credit criteria applies and approval is not guaranteed nor is the interest rate finalised until a formal submission for finance is made.
NAB Personal Loan Unsecured Fixed Fixed, 1 - 7 Years, $5,000 - $55,000
NAB Personal Loan Unsecured Fixed
1 - 7 Years, $5,000 - $55,000
6.99%
to 18.99%
7.91%
to 19.83%
Fixed
$150
$10
You'll receive a fixed rate between 6.99% p.a. and p.a. (7.91% p.a. to p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
loading

Compare up to 4 providers

Personal Loan Offers

Important Information*
Logo for Citi Personal Loan Plus
Citi Personal Loan Plus

You'll receive a variable rate of 8.9% p.a. with a comparison rate of 9.18% p.a. if you're approved.
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.

Logo for OurMoneyMarket Personal Loan
OurMoneyMarket Personal Loan

You'll receive a fixed rate from 6.05% p.a. to 20.99% p.a. based on your risk profile
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a guaranteed rate of 6.49% p.a. with a comparison rate of 7.41% p.a. if you're approved.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

18 Comments

  1. Default Gravatar
    James
    September 15, 2018

    I recently purchased a car through a St George fixed rate car loan and want to pay it out. How much can they charge me to pay it out immediately?

    • Avatarfinder Customer Care
      Charisse
      September 16, 2018

      Hi James,

      Thanks for reaching out to finder.

      St George will charge you an early repayment fee of:

      -$150 if you repay the full loan amount within 12 months
      -$100 if you repay the full loan amount after 12 months and before your loan term ends.

      Aside from the early repayment fee, you also need to pay a break cost which is an amount equal to St.George’s reasonable estimate of loss resulting from a break in the fixed rate loan term.
      You need to contact St. George Bank directly to know how much the break cost will be.

      Hope this helps.

      Cheers,
      Charisse

  2. Default Gravatar
    rod
    February 7, 2018

    Hi, are there any loan options for non-permanent residents?

    • Avatarfinder Customer Care
      Robyn
      February 8, 2018

      Hello Rod,

      Thank you for your inquiry.

      You may refer to our list of loans for temporary residents. On the page, is a comparison table you can use to see which lender suits you. Please know that most lenders will need the details of your visa before you are approved to ensure that the terms of the personal loan do not exceed the amount of time left on your visa. You may also need to meet higher minimum income criteria or show extra credentials.

      Once you have chosen a particular lender, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with your loan application or get in touch with their representatives for further assistance.

      Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      Hope this helps. Should you have further questions or clarifications, please do not hesitate to contact us again.

      Best Regards,
      Robyn

  3. 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

    • Avatarfinder Customer Care
      May
      December 12, 2016

      Hi Marcus,

      Thanks for your question.

      You may want to check the Centrelink loan options featured on our website. 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.

      Cheers,
      May

  4. Default Gravatar
    Adrian
    November 28, 2016

    Hi,
    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?
    Thanks

    • Avatarfinder Customer Care
      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.

      Cheers,
      May

  5. 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?

    Thanks

    • Avatarfinder Customer Care
      Elizabeth
      May 18, 2016

      Hi Niall,

      The usual criteria for St.George to consider temporary residents for loans are 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 check other personal loans for temporary agents.

      Hope this helps,

      Elizabeth

Go to site