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 8.49% p.a. over a maximum term of $80,000. 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

Product NameSt.George Secured Personal Loan - Fixed Rate
Interest Rate (p.a.)From 8.49% (fixed)
Comparison Rate (p.a.)9.6%
Interest Rate TypeFixed
Min Loan Amount$3,000
Max. Loan Amount$80,000
Loan SecuritySecured


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


  • Application fee of $195
  • $12 monthly fee
  • 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 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 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).

If you're looking for a loan that will allow you to make extra repayments, you can consider the St.George Secured Personal – 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 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.

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.

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18 Responses

  1. Default Gravatar
    JamesSeptember 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
      CharisseSeptember 16, 2018Staff

      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.


  2. Default Gravatar
    rodFebruary 7, 2018

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

    • Avatarfinder Customer Care
      RobynFebruary 8, 2018Staff

      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,

  3. Default Gravatar
    marcusDecember 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
      MayDecember 12, 2016Staff

      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.


  4. Default Gravatar
    AdrianNovember 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?

    • Avatarfinder Customer Care
      MayNovember 28, 2016Staff

      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.


  5. Default Gravatar
    NiallMay 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?


    • Avatarfinder Customer Care
      ElizabethMay 18, 2016Staff

      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,


  6. Default Gravatar
    HeejunMay 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?

    • Avatarfinder Customer Care
      ElizabethMay 16, 2016Staff

      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,


  7. Default Gravatar
    KateMarch 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.

    • Avatarfinder Customer Care
      ElizabethMarch 17, 2016Staff

      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.



  8. Default Gravatar
    MichelleMarch 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?

    • Avatarfinder Customer Care
      ElizabethMarch 11, 2016Staff

      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.



  9. Default Gravatar
    Anne-MarieJuly 19, 2015

    Does this loan offer early payout option?

    • Avatarfinder Customer Care
      BelindaJuly 23, 2015Staff

      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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