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St.George Secured Personal Loan

Advertiser disclosure
Interest rate from
4.99% p.a.to 12.99% p.a.
Comparison rate from
6.13% p.a.to 14.06% p.a.based on $30,000
over 5 years
Upfront fee
$195

Mozo editorial review St.George Secured Personal Loan - last updated: 3 August 2021

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What's hot
  • Fixed and variable interest rates available
  • Borrow up to $80,000
  • Choose to make weekly, fortnightly or monthly repayments
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 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.

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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 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.

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Who is it good for

Anyone looking for a low rate personal loan from a major Australian lenders who's willing to offer their vehicle as collateral.

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Any catches

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. 

Details

Rates and fees information correct as at 18 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

4.99% p.a.to 12.99% p.a. fixed

6.13% p.a.to 14.06% p.a.based on $30,000
over 5 years

Fees

$195.00

$12.00

$15.00

$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

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.

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