St.George car loans

St.George's overall rating for car loans

(as rated by the Mozo community)

5.7 / 10

based on 261 reviews

You’re spoilt for choice when it comes to St.George car loans, and have no less than four versions to pick from for a new or preloved ride. Motoring enthusiasts can mix and match between fixed or variable interest rates, and secured or unsecured. To help you find the right one for your needs, we’ve set up a comparison table and answered your FAQs below...

St.George offers the following car loans

Product Interest rate from Comparison rate from* Upfront fee

7.49% p.a.

8.60% p.a.based on $30,000
over 5 years


12.74% p.a.

13.81% p.a.based on $30,000
over 5 years


9.99% 15.90% p.a.

11.08% 16.95% p.a.based on $30,000
over 5 years


12.99% 18.90% p.a.

14.06% 19.93% p.a.based on $30,000
over 5 years


*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

St.George car loan FAQs

What’s the difference between a fixed and variable interest rate?

The first major difference between the two is that fixed interest rates don’t change, while St.George has the power to adjust variable rates during loan terms to reflect market conditions. If you compare both rate versions side-by-side, you’ll notice that fixed rates are slightly lower.

So as you can see, fixed and variable rate loans are pretty different, but did you know they offer different loan features too? For instance, if you want a car loan that lets you make extra repayments, redraw from them and not face a break cost for clearing your debt earlier, opt for a variable rate loan. Or, you could sacrifice those features for the peace of mind your rate will stay the same by picking a fixed rate loan.

What is a comparison rate?

It’s a rate based on a combination of costs you’ll likely encounter, like a sign up fee and ongoing costs, plus the interest rate. Something to keep in mind is that these rates are indicative only, which is why it’s useful to look at the interest rate too when comparing St.George car loans.

Should I secure my car to the loan?

Secured car loans have extra cred because they give St.George the power to repossess cars in cases of loan defaults. So why would you opt for a secured loan? The reason is simply because you are charged at a lower interest rate.

Do St.George’s secured and unsecured loans have different features?

Yes, and it’s worth factoring them into your car loan decision-making to save you financial pain later on. For instance, St.George’s fixed rate car loans have fewer features than the variable rate versions, and you’ll be charged an early loan repayment penalty fee for clearing your debt before you’re due to. But if you opt for a variable rate loan instead, you can take advantage of making extra repayments when you have the extra cash, dip into them via redraw facility and pay off your loan early fee-free.

How much can I borrow?

St.George can lend you between $3k and $80k if you opt for the secured loan, or up to $40k if the loan is unsecured. Other factors come into play on what loan amount you are eligible for too, including your credit history and current financial situation.

How frequently will I need to make repayments?

Your pick between weekly, fortnightly or monthly due dates.

How long can I take to pay off my loan?

It depends on whether your loan has a fixed or variable interest rate. St.George’s fixed rate loans have terms ranging from 1-5 years, whereas if you have a variable rate loan, terms can be two years longer.

Which St.George loans allow for extra repayments?

Variable rate car loans, where you can clear off more debt when you like. Just remember, using the redraw facility to dip into extra repayments is not free, and there is a minimum amount you have to take out when you use it.

How much will an early loan repayment penalty set me back?

It can vary, but the amount is usually based on how much St.George is out of pocket due to your early loan repayment. Remember, the fee will only kick in if you have a fixed rate loan.

Why would I use a redraw facility?

Simply to use the funds for life’s expenses that crop up, whether it’s a medical bill or school fees.

Can I use a St.George loan for a preloved car?

You can, but it needs to be less than 12 years old at the time the loan is issued, fully insured and registered to qualify as security. Otherwise, you could opt for an unsecured loan.

What’s the application process like?

Really easy. You can do it from the comfort of your home online, visit a branch, or call St.George’s customer service line. To speed up the application process, have the following personal details ready to go:

Once you’ve applied, St.George will get back to you on the outcome within 3 working days.

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