St.George's secured personal loan offers up competitive variable and fixed rate options, with fixed rates from 4.99% p.a. (6.13% p.a. comparison rate*) and variable rates from 6.49% p.a. (7.61% p.a. comparison rate*). You can borrow up to $80,000 with this loan, with a term of up to 5 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.
NOTE: From 20 August 2021, St George will no longer be offering a variable interest rate with its Secured Personal Loan.
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 for anywhere between $3,000 to $80,000.
The St.George personal loan is available for terms between 1 to 5 years for both variable and fixed rates. Rates are personalised depending on your credit history and other factors, with fixed rates ranging from 4.99% p.a. to 12.99% p.a. (6.13% p.a. to 14.06% p.a. comparison rate*) and variable rates ranging from 6.49% p.a. to 12.99% p.a. (7.61% p.a. to 14.06% p.a. comparison rate*).
Repayments can be made either weekly, fortnightly or monthly. Be sure not to fall behind as there is a $15 late payment fee.
Other fees to look out for with the 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.
There are 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 | |
| 4.99% p.a.to 12.99% p.a. fixed | |
| 6.13% p.a.to 14.06% p.a.based on $30,000 |
| $195.00 | |
| $12.00 | |
| $15.00 | |
| $0.00 | |
| $150 within first year of term, $100 after. |
| $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.
I love how St George Bank helped me easily find a good personal loan that suited my needs. Would highly recommended them to anyone that is looking for a loan, or to open a bank account etc. There’s no cons to them I really had a great stress free experience.
Read full reviewI love how St George Bank helped me easily find a good personal loan that suited my needs. Would highly recommended them to anyone that is looking for a loan, or to open a bank account etc. There’s no cons to them I really had a great stress free experience.
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.
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Harmoney
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5.35% p.a.to 19.09% p.a.
6.14% p.a.to 19.99% p.a.based on $30,000
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Plenti
Unsecured Personal Loan (Fixed)
6.39% p.a.to 7.49% p.a.
6.39% p.a.to 8.19% p.a.based on $30,000
over 5 years
SocietyOne
Unsecured Personal Loan (Fixed)
5.95% p.a.to 10.49% p.a.
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Symple Loans
Personal Loan
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
Wisr
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6.49% p.a.to 20.95% p.a.
6.49% p.a.to 20.95% p.a.based on $30,000
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New Car Loan (Fixed)
4.89% p.a.to 8.89% p.a.
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Car Loan - Excellent Credit (Fixed)
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5.29% p.a.to 9.99% p.a.
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NOW Finance
Unsecured Personal Loan
5.95% p.a.to 17.95% p.a.
5.95% p.a.to 17.95% p.a.based on $30,000
over 5 years
OurMoneyMarket
Low Rate Personal Loan
5.45% p.a.to 8.48% p.a.
6.07% p.a.to 8.84% p.a.based on $30,000
over 5 years
Alex Bank
Personal Loan
5.45% p.a.to 19.99% p.a.
5.45% p.a.to 19.99% p.a.based on $30,000
over 5 years
Plenti
Unsecured Personal Loan (Fixed)
6.39% p.a.to 7.49% p.a.
6.39% p.a.to 8.19% p.a.based on $30,000
over 5 years
Harmoney
Unsecured Personal Loan
5.35% p.a.to 19.09% p.a.
6.14% p.a.to 19.99% p.a.based on $30,000
over 5 years
SocietyOne
Unsecured Personal Loan (Fixed)
5.95% p.a.to 10.49% p.a.
5.95% p.a.to 12.83% p.a.based on $10,000
over 3 years
Symple Loans
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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
Wisr
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6.49% p.a.to 20.95% p.a.
6.49% p.a.to 20.95% p.a.based on $30,000
over 5 years
