St.George Secured Personal Loan

8.49% p.a.

9.60% p.a.based on $30,000
over 5 years

$195

Go to site

12.74% p.a.

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

$195

Go to site

St.George Secured Personal Loan Review

Rates and fees information correct as at 26 April 2018.

Review published: 5 December 2012

What's hot:

  • 8.49% fixed interest rate

What's not:

  • No extra repayments

Mozo snapshot:

St.George's secured fixed rate personal loan has a fiery hot 8.49% interest rate. You can use your car as security for the loan as long as its no older than 12 years from the time the loan is paid out. Extra repayments aren't allowed and there are penalties (discharge fees + break costs) for early repayment so be sure to choose a loan term that will see you pay off the loan within your budget at the quickest time possible.

Key features:

Need a fast turnaround? St.George personal loan online applications usually take around 15 minutes to complete and you can expect an answer within 60 seconds. So within 20 min you could have a personal loan anywhere between $2,000 to $80,000 on a low fixed interest rate of 8.49%.

The St.George personal loan is available for a term between 1 to 5 years and repayments can be timed to suit your payday. Repayment options for this loan are weekly, fortnightly and monthly. Be sure to keep your repayments on time as there is a $9 late payment fee.

Other fees to lookout for with a St.George fixed secured personal loan are the $195 establishment fee and the $12 monthly service fee.

Who it's good for:

Anyone looking for a low fixed rate interest personal loan and willing to offer their vehicle as collateral.

Any catches?

You'll want to stick strictly to the repayment plan to avoid early repayment or late fee penalties.

How are St.George personal loans rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
7.6

Based on 141
St.George personal loans reviews

7.0 6.3 8.1 8.0 8.0

Read St.George personal loan reviews by the Mozo community

Latest reviews of St.George Secured Personal Loan

St.George

St.George Secured Personal Loan (Fixed) personal loan review

Overall rating   6 / 10

Online loan service people need to be more active.

They are quick and effectant with there loan in branch the online service is a bit hit and miss you get there eventually but you have to have the time to call all the time as they are not very good at getting back to you.

Full review

They are quick and effectant with there loan in branch the online service is a bit hit and miss you get there eventually but you have to have the time to call all the time as they are not very good at getting back to you.

    Price   8 / 10

    Features   6 / 10

    Customer service   5 / 10

    Convenience   10 / 10

    Trust   7 / 10

Less

Kathleen (NSW), reviewed about 2 years ago

St.George

St.George Secured Personal Loan (Fixed) personal loan review

Overall rating   7 / 10

Highly recommend

I have been with St George since high school and have always found their customer service terrifically helpful whenever it is needed especially when applying for a personal loan.

Full review

I have been with St George since high school and have always found their customer service terrifically helpful whenever it is needed especially when applying for a personal loan.

    Price   7 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

Tammy (NSW), reviewed about 2 years ago

St.George

St.George Secured Personal Loan (Fixed) personal loan review

Overall rating   5 / 10

Pretty decent

On the higher side of interest rates and they seem to be slightly behind the other banks in speed and technology but they are pretty good

Full review

On the higher side of interest rates and they seem to be slightly behind the other banks in speed and technology but they are pretty good

    Price   3 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   6 / 10

    Trust   6 / 10

Less

Shaun (NSW), reviewed about 2 years ago

St.George

St.George Secured Personal Loan (Fixed) personal loan review

Overall rating   10 / 10

Would recomend to people

The staff are always there for your needs.

Full review

The staff are always there for your needs.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Julie (SA), reviewed about 2 years ago

St.George

St.George Secured Personal Loan (Fixed) personal loan review

Overall rating   6 / 10

Can't say anything bad.

Very happy with bank. Only what I can say since they change and make it apparently more modern and easier it seems is harder and confusing inside the branch.

Full review

Very happy with bank. Only what I can say since they change and make it apparently more modern and easier it seems is harder and confusing inside the branch.

    Price   4 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

St (NSW), reviewed over 2 years ago

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

Rates

  • Fixed

  • 8.49% p.a. fixed

  • 9.60% p.a.based on $30,000
    over 5 years

Fees

  • $195.00

  • $12.00

  • $9.00

  • $0.00

  • $150 within first year of term, $100 after.

Other financial bits

  • $3,000.00

  • $80,000.00

  • 1 Year

  • 5 Years

  • Vehicle

Features

  • Weekly, Fortnightly, Monthly

  • no

  • no

  • none

  • none

Rates

  • Variable

  • 12.74% p.a.variable

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

Fees

  • $195.00

  • $12.00

  • $9.00

  • $0.00

  • $150 within first year of term, $100 after.

Other financial bits

  • $3,000.00

  • $80,000.00

  • 1 Year

  • 7 Years

  • Vehicle

Features

  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • none

  • none

About St.George

St.George is Australia's fifth largest bank and has merged with Westpac to create a banking mega force. St.George offers a wide range of products aimed at business and corporate customers. St.George still have a customer focused team who tailor products to suit its customers needs. So if you want a bank that's good with people and good with money too, check out the St George range of credit cards, bank accounts, savings accounts, home loans and personal loans.

*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 for the amounts and terms quoted, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans, and apply only to these examples. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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