St.George Secured Personal Loan

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 loan that suits you best

  • Loan: $3,000 $80,000

  • Loan: $3,000 $80,000

8.49% p.a.

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

$195

St.George Secured Personal Loan

8.49% p.a.

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

$195

12.74% p.a.

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

$195

St.George Secured Personal Loan

12.74% p.a.

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

$195

Mozo Review   St.George Secured Personal Loan Review

Last updated: 28 June 2018.

What's hot:
  • Fixed and variable interest rates available

  • Borrow up to $80,000

What's not:
  • $195 application fee

Mozo snapshot:

St.George's secured personal loan offers up competitive variable and fixed rate options, with fixed rates starting as low as 8.49% (9.60% 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.

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.

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 $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.

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. 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.

Who it's good for:

Anyone looking for a low rate personal loan form a major Australian lenders who's 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.

Details

Rates and fees information correct as at 20 October 2018.

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

  • yes

  • no

  • none

  • none

*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.

Details

Rates and fees information correct as at 20 October 2018.

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

*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.

Customer Reviews

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

Overall customer rating
6.9/10
Price
6.3/10
Features
5.7/10
Customer service
7.3/10
Convenience
7.5/10
Trust
7.1/10

Latest reviews of St.George Secured Personal Loan

  • Overall
    10/10
    Excellent customer service

    Friendly excellent customer service

    Friendly excellent customer service

    Price
    10/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Dale | Queensland

    reviewed over 1 year ago

  • Overall
    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...

    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

    Kathleen | New South Wales

    reviewed over 2 years ago

  • Overall
    7/10
    Highly recommend

    I have been with St George since high school and have always found their customer service...

    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

    Tammy | New South Wales

    reviewed over 2 years ago

  • Overall
    5/10
    Pretty decent

    On the higher side of interest rates and they seem to be slightly behind the other banks in speed...

    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

    Shaun | New South Wales

    reviewed over 2 years ago

  • Overall
    10/10
    Would recomend to people

    The staff are always there for your needs.

    The staff are always there for your needs.

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Julie | South Australia

    reviewed over 2 years ago

St.George

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.

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10.99% p.a.

10.99% p.a.based on $30,000
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10.99% p.a.

11.87% p.a.based on $30,000
over 5 years

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