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Secured Personal Loan

A lower interest rate with a St.George Secured Personal Loan.
  • A lower interest rate, where we accept your car as security2
  • Flexible personal loan repayment options. Choose a fixed interest rate for peace of mind that your repayments won’t change for the term of your loan, or a variable interest rate which lets you make extra repayments each month
  • The term of your secured personal loan is your choice. Choose a term of
    • 1 to 7 years for variable interest rate loans
    • 1 to 5 years for fixed interest rate loans
  • Fast and simple application process1.
Flexible Your choice of a fixed or variable interest rate
Great rate A lower interest rate where we accept your car as security2
Term of your loan

Choose a term of

  • 1 to 7 years for variable interest rate loans 
  • 1 to 5 years for fixed interest rate loans.
Loan amount Borrow from $3,000 up to $80,000
Fast online application
  • It usually takes less than 15 minutes to complete your application 
  • Submit and receive a response within 60 seconds1
Flexible repayment options
  • Choose the repayment option that best suits your lifestyle - from weekly, fortnightly or monthly repayments
  • If you have a variable interest rate on your secured personal loan, you have the option of making extra payments so you can pay off your loan faster.
Convenient redraw3 facility On request, our convenient redraw facility gives you access to any extra payments you make (available on variable interest rate loans only)3.
Calculate your loan repayments

With our personal loan repayment calculator you can calculate your weekly, fortnightly or monthly repayments

Internet Banking
  • Register to track and manage your loan repayments using Internet Banking
  • Go green - switch to eStatements instead of paper statements and help save the environment. You can also view, print and save at least 2 years of statements online.
  • Redraw and make extra repayments on your variable rate loan.3
Protection for your loan

You can protect your loan with our Consumer Credit Insurance5.

Compare Loans

Find the loan that’s right for you by comparing our personal loans.

  Annual interest rate Comparison rate4
Variable Interest rate from7 % p.a. % p.a.
Fixed Interest rate from7 %* p.a. % p.a.
Establishment Fee6 $195
Monthly Administration Fee $9
Payment dishonour fee $9 payable whenever a direct debit order for payment from another institution is dishonoured
Redraw fee3
  • $10 per withdrawal 
  • Minimum redraw amount: $500 
  • Redraw only available on variable interest rate loans
Personal Loan Discharge
  • $150 (within the first 12 months of the loan term) 
  • $100 (after the first 12 months and before the end of the loan term)

Processing fee - may be payable if a personal loan is repaid before the end of the loan term.

Break costs 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.

For all other charges, please see our Personal Loan Fees and Charges.

Apply Online

Apply now. It takes less than 15 minutes1 and anyone can apply online!

Information you'll need to apply

  • Your current employer's name, address and main switchboard number
  • If you are self-employed, you will need to provide your recent tax information
  • Weekly after-tax income for each person applying for the loan
  • Details of your assets, your savings and investments
  • Amounts owing on your credit cards, store accounts, etc.
  • Details of your other expenses
  • One personal reference including their name, address and contact phone number

More about the information you need to provide to become a customer

How to apply

Important information

Credit criteria, fees, charges, terms and conditions 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. Actual completion time may vary depending on your internet connection and other factors. All applications are subject to St.George lending criteria.

2. 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. 

3. 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.

4. 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.

5. St.George Personal Credit Protect is issued by Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 (who issues the Involuntary Unemployment cover and the Disablement cover) and St.George Life Limited ABN 88 076 763 936 (who issues the Death cover).  St.George – A Division of Westpac Banking Corporation ABN 33 007 457 141 distributes the insurance, but does not guarantee the insurance. St.George Life Limited is a subsidiary of the Bank. This information is general only and does not take into account your personal circumstances.  Read the relevant Product Disclosure Statement, available at St.George Personal Credit Protect, to see if this insurance is right for you.

6. 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.

7. Initial rate indications quoted prior to full Loan-to-valuation ratio being completed may change dependant on the valuation of security offered.

* Interest rate applicable to new loans approved on or after 15 June 2015.