St.George Secured Personal Loan

This product is available in different versions. Pick the right version for you here.

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

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: 23 August 2019.

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 $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 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?

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 13 December 2019. 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

  • 8.49% p.a. fixed

  • 9.60% 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 13 December 2019. 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
7.1/10

Latest reviews of St.George Secured Personal Loan

  • Overall
    0/10
    They are not good.

    I don't like them.

    I don't like them.

    Price
    3/10
    Features
    3/10
    Customer service
    2/10
    Convenience
    0/10
    Trust
    0/10

    Carey | Western Australia

    reviewed 1 day ago

  • Overall
    1/10
    Horrible communication skills.

    After having a loan approved and signing my documents, they then proceeded to not contact me and...

    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

    Victoria | New South Wales

    reviewed 8 days ago

  • Overall
    5/10
    Terrible and confusing using them online.

    Actual service within a branch is fantastic but the online service is confusing. Terrible...

    Actual service within a branch is fantastic but the online service is confusing. Terrible communication and will not use online again for personal loan. Actually would completely re-think using St George again from the bad online loan experience.

    Price
    8/10
    Features
    6/10
    Customer service
    4/10
    Convenience
    5/10
    Trust
    5/10

    Erna | New South Wales

    reviewed 9 days ago

  • Overall
    10/10
    Staff are amazing.

    I have been with St George for 30 years and have always found that they meet my needs.

    I have been with St George for 30 years and have always found that they meet my needs.

    Price
    9/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    10/10

    Carol | Queensland

    reviewed about 1 month ago

  • Overall
    6/10
    Great bank but improvement needed.

    I have been with them since I was young. They are reliable however can be quite hard to deal with...

    I have been with them since I was young. They are reliable however can be quite hard to deal with over the phone.

    Price
    6/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    6/10
    Trust
    7/10

    Marie | New South Wales

    reviewed about 1 month 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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