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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
From 6.49% (fixed)
Interest Rate (p.a.)
7.61%
Comparison Rate (p.a.)
$3,000
Min Loan Amount
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Product Name | St.George Secured Personal Loan - Fixed Rate |
---|---|
Interest Rate (p.a.) | From 6.49% (fixed) |
Comparison Rate (p.a.) | 7.61% |
Interest Rate Type | Fixed |
Min Loan Amount | $3,000 |
Max. Loan Amount | $80,000 |
Loan Security | Secured |
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.
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:
The vehicle you're using as security needs to meet the following criteria:
Documentation you will require for each applicant includes:
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.
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?
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
February 7, 2018
Hi, are there any loan options for non-permanent residents?
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
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
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
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
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
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
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