Secured car loan calculator

Important information

Personal Loan Terms and Conditions

Fees and Charges Terms and Conditions

Internet Phone Banking Terms and Conditions

Any advice on this website is general in nature and has been prepared without considering your objectives, financial situation or needs. Please read the product disclaimer and Personal Loan Terms and Conditions documents and consider your individual circumstances before applying for a St.George Personal Loan. Credit criteria, fees, charges, terms and conditions apply. Information correct as of 27 September 2021. Interest rates are subject to change.

^Comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan 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.

Secured Personal Loan repayment terms range from 1 to 5 years for a fixed rate loan. Interest rate ranges and representative examples are based on a secured loan of $30,000 borrowed for 5 years:

• The minimum interest rate for a secured fixed rate loan is 4.99% p.a. (Comparison rate 6.13% p.a.) with the estimated total amount payable including fees is $34,901.
• The maximum interest rate for a secured fixed rate loan is 12.99% p.a. (Comparison rate 14.06% p.a.) with the estimated total amount payable including fees is $41,932.

*To qualify for a lower interest rate, the 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 and made locally or imported by the manufacturer and all the lending criteria met.

Car Loan Calculator & Assumptions: Any calculation made by you using this calculator is intended as a guide only. It is for illustrative purposes only and is based on the accuracy of the information provided and subject to the assumptions below. The calculator does not take stamp duty or other government charges into account. The calculation is not an offer of credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified.  The calculations should not be relied on for the purpose of making a decision whether to apply for a Secured Personal Loan.

Length of month: All months are assumed to be of equal length. When you are approved for a personal loan, interest will be charged on the number of days in each month. 

Number of weeks & fortnights in a year: One year is assumed to contain exactly 52 weeks or 26 fortnights. This assumes that a year has 364 days rather than the actual 365 or 366.

Rounding of amount of each repayment: This calculator does not round the repayment amount to the nearest cent, as it would for an approved personal loan. This assumption allows for a smooth graph and equal repayment amounts. 

Interest Rate: The interest rates represented on this page are standard interest rates and exclude any package or promotional discounts and are subject to change.

**About our 'personalised' rates: The rate for some customers is based on personalised pricing. Instead of a one-size-fits-all approach, personalised pricing allows us to offer more people personal loans at a better rate, based on an assessment of credit history as well as the information provided in the application.

Unless otherwise specified, the products and services described on this website are available only in Australia from St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.