St. George BankSecured Fixed Personal Loan
Our secured loan offering to provide you with lower interest rates with your car as a security for the loan
At a glance
- Fixed
- 6.49%7.90% comparison
- Loan size
- $10,000 to $130,000
- Upfront fee
- $250
- Monthly fee
- $15
How it compares
This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 6.49% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 7th lowest of 68, level with 3 others |
| Fixed personal loanRepayments stay the same for the term | 6.49% | 5.80%Plenti Personal Loan | 7.96%of 42 institutions | 6th lowest of 42, level with 3 others |
Rates
Every rate St. George Bank publishes for this personal loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed1-7 years of flexible loan term | P&I | 7 yrs fixed | - | 6.49% | 7.90% | Not relevant to product |
| FixedMaximum Interest rate charged for the product. 1-7 years of flexible loan term. | P&I | 7 yrs fixed | - | 12.99% | 14.34% | Not relevant to product |
Fees
8 fees published, grouped by when they're charged.
- When you take it out$250Lending Establishment Fee
- While you hold it$15 a monthMonthly Loan Account Fee
- When you close it or pay it offUp to $1502 fees, each listed below
When you take it out1
- Lending Establishment Fee$250
While you hold it1
- Monthly Loan Account Fee$15 a month
When you make a transaction1
- Processing Fee
Payable each time you make any repayment on your loan over the counter in a branch or by cash or cheque
$3
If a payment is late or fails1
- Missed Payment Fee
$15 Missed Payment Fee is charged
$15 30 days after it's due
When particular things happen2
- Bank Cheque Fee$10
- PPSR fee$6
When you close it or pay it off2
- Loan Discharge Fee - After 12 Months$100
- Loan Discharge Fee - Within 12 Months$150
Features
- Various Loan Purposes - Our Secured Personal Loan can be used for a variety of other purposes by offering an eligible car as security for the loan.
- Flexible repayment options. Choose weekly or fortnightly to save on interest
- Borrow between $10K - $130K - Choose a loan amount to suit your needs.
- Help to cover the extras - You may be able to borrow a little more to cover other expenses, such as insurance, registration and optional extras.
- Internet and Phone banking: Includes the Security, Stopping or altering payments, Scheduled transactions and payments, Other transactions and payments, Faults and service difficulties
Eligibility and limits
- Minimum age 18
- Residency: You're an Australian or New Zealand citizen or have permanent residency in Australia and hold an acceptable visa
- Amount $10,000 to $130,000
- Be a non-resident or migrant and hold an acceptable visa with a minimum 1 year before expiry
- Have a fixed, verifiable residential address in Australia.
- Have a regular, verifiable Australian taxable income
- To qualify for a lower personalised interest rate on a Secured Personal Loan, applicant must meet our credit criteria.
- Your car's eligibility, see link
- 1-7 years of flexible loan term
Compare it with others
Put this product through a calculator
Published by St.George Bank under the Consumer Data Right, last changed by them on 28 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.