Attach an eligible new or used vehicle to this loan as security and then use the funds for whatever purpose.
By offering your car as security, you can take advantage of a competitive fixed rate of 8.49% p.a. over a maximum term of $80,000. Find out what eligibility criteria there are for vehicles and what loan features are on offer
|Product Name||St.George Secured Personal Loan - Fixed Rate|
|Interest Rate||From 8.49% p.a.|
|Comparison Rate||9.6% p.a.|
|Interest Rate Type||Fixed|
|Minimum Loan Term||1 year|
|Maximum Loan Term||5 years|
|Minimum Loan Amount||$3,000|
|Maximum Loan Amount||$80,000|
|Monthly Service Fee||$12|
- Use a new or used car as security
- Competitive interest rate
- Use the funds for any purpose
- Application fee of $195
- Service fee of $12 should be paid monthly
- Fees charged for early repayment
Main points to consider about the St.George Secured Personal Loan — Fixed Rate
This loan comes with a competitive fixed rate of 8.49% 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. There is an application fee of $195 as well as a monthly service fee of $12.
This loan comes with a maximum term of 5 year(s) but if you need longer to repay you can consider the St.George Secured Variable Rate Personal Loan, that has a loan term up to 7 year(s).
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 9.6% p.a.
- How long you have to repay. You can choose a term between 1 to 5 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.
- Fees and charges that apply. There is a $195 establishment fee and ongoing $12 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.
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
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.