St.George Secured Fixed Rate Personal Loan

Last updated: Sep 9, 2020

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 7.49% p.a. over a maximum term of 5 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 7.49% (fixed)

Interest Rate (p.a.)

8.60%

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 7.49% (fixed)
Comparison Rate (p.a.)	8.60%
Interest Rate Type	Fixed
Min Loan Amount	$3,000
Max. Loan Amount	$80,000
Loan Security	Secured

Pros

New or used car can be used as security
Competitive interest rate
Use the funds for any purpose

Cons

Application fee of $195
$12 monthly fee
Fees charged for early repayment

Matt Corke

Matt Corke is Finder's head of publishing for rest of world and New Zealand. He previously worked as the publisher for credit cards, home loans, personal loans and credit scores. Matt built his first website in 1999 and has been building computers since he was in his early teens. In that time, he has survived the dot-com crash and countless Google algorithm updates.

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

This loan comes with a competitive fixed rate of 7.49% 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 5 years but if you need longer to repay you can consider the St.George Secured Personal Loan - Variable Rate, that has a loan term up to 7 years.

If you're looking for a loan that will allow you to make extra repayments, you can consider the St.George Secured Personal Loan - Variable 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 7.49% p.a. for the life of the loan. The comparison rate is 8.60% 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.

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. If the vehicle is registered in two name you will need to submit a joint application for the loan.
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

Loan amount

Loan term

Name	Interest Rate (p.a.)	Comparison Rate (p.a.)	Min Loan Amount	Loan Term	Application Fee	Monthly Service Fee
Harmoney Unsecured Personal Loan	From 6.99% (fixed)	7.79%	$2,000	3 to 5 years	$575 ($275 for loans of below $5,000)	$0	You'll receive a fixed rate between 6.99% p.a. and 25.69% p.a. based on your risk profile. Apply for a loan up to $50,000 and repay your loan over 3 or 5 year terms.	Go to site More Info	Compare	loading Fetching your data...
Plenti Fixed Rate Personal Loan	From 6.49% (fixed)	6.84%	$2,001	3 to 5 years	From $149 to $599	$0	You'll receive a fixed rate between 6.49% p.a. and 11.99% p.a. based on your risk profile A flexible loan with amounts from $2,001 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.	Go to site More Info	Compare	loading Fetching your data...
OurMoneyMarket Personal Loan	From 6.75% (fixed)	6.96%	$2,001	1 to 7 years	1.5–6% of your total loan amount	$0	You'll receive a fixed rate from 6.75% 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.	Go to site More Info	Compare	loading Fetching your data...
Alex Personal Loan	From 6.95% (fixed)	6.95%	$2,100	6 months to 5 years	$0 (waived $295)	$0	You'll receive a fixed interest rate from 6.95% p.a. to 19.99% p.a. based on your risk profile Borrow between $2,100 and $30,000 from 6 months to 5 years. Benefit from no ongoing fees. Note: The establishment fee of $295 is waived for all applications until 31 October 2020. Terms & conditions apply.	Go to site More Info	Compare	loading Fetching your data...
SocietyOne Unsecured Personal Loan (5 years)	From 7.99% (fixed)	7.99%	$5,000	5 years	from 0% to 5% (capped at $995)	$0	You'll receive a fixed rate between 7.99% p.a. and 20.49% p.a. based on your risk profile A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.	Go to site More Info	Compare	loading Fetching your data...
SocietyOne Unsecured Personal Loan (2-3 years)	From 6.99% (fixed)	6.99%	$5,000	2 to 3 years	from 0% to 5% (capped at $995)	$0	You'll receive a fixed rate between 6.99% p.a. and 17.99% p.a. based on your risk profile A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.	Go to site More Info	Compare	loading Fetching your data...
Plenti Variable Rate Personal Loan	From 5.79% (variable)	6.78%	$2,001	1 to 3 years	From $149 to $599	$0	You'll receive a variable rate from 5.79% p.a and 11.99% p.a. based on your risk profile A flexible loan with amounts from $2,001 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.	Go to site More Info	Compare	loading Fetching your data...
NAB Personal Loan Unsecured Fixed	From 9.99% (fixed)	10.88%	$5,000	1 to 7 years	$150	$10	You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.	Go to site More Info	Compare	loading Fetching your data...
Symple Loans Personal Loan	From 5.75% (variable)	6.47%	$5,000	1 to 7 years	from 0% to 5% of the loan amount	$10	You'll receive a personalised interest rate from 5.75% p.a. to 21.99% p.a. based on your risk profile Borrow up to $50,000 to pay for what you need.	Go to site More Info	Compare	loading Fetching your data...
Wisr Personal Loan	From 7.95% (fixed)	8.78%	$5,000	3 to 5 years	$595 (Establishment Fee)	$0	You'll receive a fixed rate between 7.95% p.a. and 19.45% p.a. based on your risk profile A loan from $5,000 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.	Go to site More Info	Compare	loading Fetching your data...
Heritage Bank Fixed Personal Loan	7.99% (fixed)	8.62%	$5,000	1 to 5 years	$200	$5	Choose a fixed rate loan and receive a comparison rate of 8.62% p.a. Fixed rate loans are available up to $100,000 on terms from 1 to 5 years.	Go to site More Info	Compare	loading Fetching your data...
CUA Unsecured Fixed Rate Personal Loan	9.89% (fixed)	10.14%	$5,000	1 to 7 years	$175	$0	You'll receive a fixed rate of 9.89% p.a. An unsecured loan from $5,000 with flexible repayments and no monthly fee.	Go to site More Info	Compare	loading Fetching your data...
NAB Personal Loan Unsecured Variable Rate	From 9.99% (variable)	10.88%	$5,000	1 to 7 years	$150	$10	You'll receive a variable rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile An unsecured loan up to $55,000 you can use for a range of purposes. Benefit from fee-free additional repayments and a redraw facility. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.	Go to site More Info	Compare	loading Fetching your data...
CUA Unsecured Variable Personal Loan	11.89% (variable)	12.15%	$5,000	1 to 7 years	$175	$0	You'll receive a variable rate of 11.89% p.a. Borrow from $5,000 with the option for flexible repayments and no monthly fees.	Go to site More Info	Compare	loading Fetching your data...
Heritage Bank Standard Variable Personal Loan	11.99% (variable)	12.61%	$5,000	1 to 10 years	$200	$5	Choose a variable rate loan and receive a 12.61% p.a. comparison rate Variable rate loans are available from $5,000 - $100,000 on terms of 1 to 10 years.	Go to site More Info	Compare	loading Fetching your data...
Latitude Personal Loan (Unsecured)	From 7.99% (fixed)	9.24%	$3,000	1 to 7 years	$250 (Loans under $5000 - $140)	$13	You'll receive a fixed rate between 7.99% p.a. and 19.99% p.a. based on your risk profile Apply for what you need from $3,000 and use it for a range of purposes. Repay weekly, fortnightly or monthly.	Go to site More Info	Compare	loading Fetching your data...

Compare up to 4 providers

Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 25.69% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

More info

NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.

More info

SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

More info

Pepper Money Unsecured Fixed Rate Personal Loan

You'll receive a fixed rate between 6.95% p.a. and 17.95% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Make additional repayments or pay off the loan early, penalty-free.

More info

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18 Comments

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?

Reply
- finder 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
  
  Reply
rod
February 7, 2018

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

Reply
- finder Customer Care
  
  Robyn
  February 8, 2018
  
  Hello Rod,
  
  Thank you for your inquiry. Yes, we do have a page for loans dedicated to non-permanent residents. You may check this page and compare your options.
  
  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.
  
  Hope this helps. Should you have further questions or clarifications, please do not hesitate to contact us again.
  
  Best Regards,
  Robyn
  
  Reply
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

Reply
- finder Customer Care
  
  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.
  
  Cheers,
  May
  
  Reply
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

Reply
- finder 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
  
  Reply
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

Reply
- finder Customer Care
  
  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,
  
  Elizabeth
  
  Reply
Heejun
May 15, 2016

Hi,
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?

Reply
- finder Customer Care
  
  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,
  
  Elizabeth
  
  Reply
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.

Reply
- finder Customer Care
  
  Elizabeth
  March 17, 2016
  
  Hi Kate,
  
  Thanks for your enquiry.
  
  Just to clarify, you’ve come through to finder.com.au 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.
  
  Thanks,
  
  Elizabeth
  
  Reply
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?

Reply
- finder Customer Care
  
  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.
  
  Thanks,
  
  Elizabeth
  
  Reply
Anne-Marie
July 19, 2015

Does this loan offer early payout option?

Reply
- finder Customer Care
  
  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.
  
  Thanks,
  Belinda
  
  Reply

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