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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 this loan that suits you best

  • Loan: $3,000 $80,000

  • Loan: $3,000 $80,000

Interest rate from
7.49% p.a.
Comparison rate from*
8.60% p.a.based on $30,000
over 5 years
Upfront fee
$195
Interest rate from
12.74% p.a.
Comparison rate from*
13.81% p.a.based on $30,000
over 5 years
Upfront fee
$195

Mozo editorial review St.George Secured Personal Loan

Last updated: 21 July 2020.

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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 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.

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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 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.

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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

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 15 August 2020. 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

  • 7.49% p.a. fixed

  • 8.60% p.a.based on $30,000
    over 5 years

Fees
  • $195.00

  • $12.00

  • $15.00

  • $0.00

  • $150 within first year or $100 after. Break costs may apply.

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 15 August 2020. 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
  • Variable

  • 12.74% p.a.variable

  • 13.81% 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

  • 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
6.8/10
Price
6.2/10
Features
5.7/10
Customer service
7.2/10
Convenience
7.4/10
Trust
7.0/10

Latest reviews of St.George Secured Personal Loan

  • Overall 8/10
    Good experience with a minimal inconvinience

    It’s a bit inconvinient for me as the main branch of St George is only located at Perth City.

    Read full review

    It’s a bit inconvinient for me as the main branch of St George is only located at Perth City.

    Price
    8/10
    Features
    8/10
    Customer service
    6/10
    Convenience
    5/10
    Trust
    7/10
    Less
    Gizzelene, Western Australia reviewed 12 days ago
  • Overall 8/10
    Competitive

    Good customer service.

    Read full review

    Good customer service.

    Price
    7/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    7/10
    Trust
    7/10
    Less
    Matt, New South Wales reviewed 2 months ago
  • Overall 0/10
    Bad.

    Terrible. Wouldn’t recommend, worst experience with this bank. Such a waist of time.

    Read full review

    Terrible. Wouldn’t recommend, worst experience with this bank. Such a waist of time.

    Price
    2/10
    Features
    1/10
    Customer service
    0/10
    Convenience
    2/10
    Trust
    2/10
    Less
    Caleb, Western Australia reviewed 5 months ago
  • Overall 10/10
    Overall happy.

    Great service.

    Read full review

    Great service.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Ruta, Queensland reviewed 5 months ago
  • Overall 1/10
    Horrible communication skills.

    After having a loan approved and signing my documents, they then proceeded to not contact me and tell me they required payslips, these were sent through and they then decided they wanted my bank statements as well and also did not communicate this to me, after calling 6 times in 2 weeks my application still hasn’t been processed.

    Read full review

    After having a loan approved and signing my documents, they then proceeded to not contact me and tell me they required payslips, these were sent through and they then decided they wanted my bank statements as well and also did not communicate this to me, after calling 6 times in 2 weeks my application still hasn’t been processed.

    Price
    0/10
    Features
    0/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10
    Less
    Victoria, New South Wales reviewed 8 months 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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