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Buying a car, motorbike, or boat

St.George Personal loan

Whether you need a vehicle for work or leisure, it's important to pick a loan that’s right for you.

If you would like a lower interest rate, then a secured personal loan is the option for you. By using your car as security1, you have the advantage of a lower rate to borrow for a car, motorcycle or boat.

If your employer offers salary packaging you can also consider a novated lease. St.George also offers a range of car finance options if you use your car for business purposes.

Secured Personal Loan

  • Fixed interest rates from p.a. (comparison rates from p.a.3) for the life of your loan
  • A lower interest rate, where we accept your car as security1
  • Borrow from $3,000 up to $80,000
  • Apply online and receive a response in 60 seconds6
Apply Now
Secured Personal Loan Variable Rate option2 Fixed Rate option2
Interest rate from  p.a  p.a.
Comparison rate3  p.a  p.a.
Loan term3 1 to 7 years 1 to 5 years
Establishment fee $1957 $1957
Monthly administration fee $9 $9
Flexibility to pay the loan off sooner5 *
Convenient redraw facility4 *
Other Fees and Charges Personal Loan Fees and Charges
Interest rates Secured Personal Loan interest rates

 

Important information

Conditions, fees and credit criteria apply.
Before making a decision, it's best to read the terms and conditions:

The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it's right for you. If you need help, call 13 33 30.

1 To qualify for a lower interest rate, any motor vehicle offered as security must not be more than 12 years old upon loan expiry. The vehicle used as security must be registered under the applicant's name. If the vehicle is registered in joint names, the loan application must be under joint names.

2 For new loans approved on or after 8 April 2011.

3 The comparison rate is based on a loan of $30,000 and 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

4 Redraw requests are subject to our approval. Minimum redraw amount $500 and a redraw fee applies for each approved request. Other fees and charges may be payable.

5 Pre-payment fees apply. Break costs are payable on early payout or partial payment (in excess of the limit set out in the loan terms and conditions) of a fixed rate loan. Break costs are an amount equal to the Bank’s reasonable estimate of its loss due to breaking of the fixed rate period or early repayment of a fixed rate personal loan.

6 Subject to system availability and St.George Bank Lending criteria. Approval may take longer if application is referred for further review.

7 Excludes government charges such as stamp duty, search fees, fee for registration of security interest with the Personal Property Securities Register or any other disbursements, wherever these are applicable.