The details shown below are for a fixed loan between $3,000 and $80,000
The details shown below are for a variable loan between $3,000 and $80,000
Choose the version of this loan that suits you best
| Loan type | Name | Min loan amount | Max loan amount | |
|---|---|---|---|---|
| | Fixed | Secured Personal Loan (Fixed) | $3,000 | $80,000 |
| | Variable | Secured Personal Loan (Variable) | $3,000 | $80,000 |
Loan: $3,000 $80,000
Loan: $3,000 $80,000
St.George's secured personal loan offers up competitive variable and fixed rate options, with fixed rates starting as low as 7.49% (8.60% comparison rate*). You can borrow up to $80,000 with this loan, with a term of up to 7 years. Keep in mind that whether you choose the fixed or variable option will also affect what kind of features are available - you'll be able to make free extra repayments and redraws with the variable rate option, but not the fixed.
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 $3,000 to $80,000.
The St.George personal loan is available for a term between 1 to 7 years for variable rates and up to 5 years for fixed rates. Repayments can be timed to suit your payday, either weekly, fortnightly or monthly. Be sure to keep your repayments on time as there is a $15 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.
You can use your car as security for the loan as long as it's no older than 12 years from the time the loan is paid out. If you opt for the variable rate version, you can make free extra repayments and make use of the redraw facility, but remember that if you prefer the certainty of a fixed rate, you won't have access to these features.
Another thing to remember is that early repayment penalties apply for both options, so be sure to choose a loan term that will see you pay off the loan within your budget at the quickest time possible.
Anyone looking for a low rate personal loan from a major Australian lenders who's willing to offer their vehicle as collateral.
No major catches, but just like most loans, you'll want to stick strictly to the repayment plan to avoid early repayment or late fee penalties.
Fixed
7.49% p.a. fixed
8.60% p.a.based on $30,000
over 5 years
$195.00
$12.00
$15.00
$0.00
$150 within first year or $100 after. Break costs may apply.
$3,000.00
$80,000.00
1 Year
5 Years
Vehicle
Weekly, Fortnightly, Monthly
yes
no
none
none
WARNING: 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. 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.
Variable
12.74% p.a.variable
13.81% p.a.based on $30,000
over 5 years
$195.00
$12.00
$15.00
$0.00
$150 within first year of term, $100 after.
$3,000.00
$80,000.00
1 Year
7 Years
Vehicle
Weekly, Fortnightly, Monthly
yes
yes
none
none
WARNING: 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. 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.
I have looked around but always come bank to St George. I feel listened too, there's always someone available to speak with and their rates are good.
Read full reviewI have looked around but always come bank to St George. I feel listened too, there's always someone available to speak with and their rates are good.
The worst bank I have ever dealt with. Been waiting 5 weeks for a commencement letter to be approved so I can start building. They have told me everyday for the last 4 weeks it will be done tomorrow. Do not recommend they are quick to take your money but are too busy to do a commencement letter.
Read full reviewThe worst bank I have ever dealt with. Been waiting 5 weeks for a commencement letter to be approved so I can start building. They have told me everyday for the last 4 weeks it will be done tomorrow. Do not recommend they are quick to take your money but are too busy to do a commencement letter.
It was an easy process and everything was organised well.
Read full reviewIt was an easy process and everything was organised well.
Overall not happy, interest rate too high, would never use them again.
Read full reviewOverall not happy, interest rate too high, would never use them again.
It’s a bit inconvinient for me as the main branch of St George is only located at Perth City.
Read full reviewIt’s a bit inconvinient for me as the main branch of St George is only located at Perth City.
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.
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5.95% p.a.to 17.95% p.a.
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5.75% p.a.to 25.99% p.a.
6.47% p.a.to 29.2% p.a.based on $30,000
over 5 years
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Unsecured Personal Loan
6.49% p.a.to 19.95% p.a.
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Unsecured Personal Loan (Fixed)
6.39% p.a.to 8.69% p.a.
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