Secured Fixed Personal Loan
Personal LoansData Sharing Status
Our secured loan offering to provide you with lower interest rates with your car as a security for the loan
- From
- 6.49%
- 7.9% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 7 years 1-7 years of flexible loan term · Not relevant to product | 6.49% | 7.9% | 12–84 months |
| Fixed · 7 years Maximum Interest rate charged for the product. 1-7 years of flexible loan term. · Not relevant to product | 12.99% | 14.34% | 12–84 months |
Fees
| Fee | Type | Amount |
|---|---|---|
| Lending Establishment Fee | Upfront | $250.00 |
| Monthly Loan Account Fee Charged monthly | Ongoing | $15.00 |
| Loan Discharge Fee - Within 12 Months | Exit | $150.00 |
| Loan Discharge Fee - After 12 Months | Exit | $100.00 |
| PPSR fee | Event | $6.00 |
| Missed Payment Fee | Late payment | $15.00 |
| Bank Cheque Fee | Event | $10.00 |
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.
- Digital banking
- Internet banking access : Manage your loan and track your repayments online or through your mobile banking app.
- Extra repayments
- The product has EXTRA_REPAYMENTS option available.
- Fraud protection
- The product includes FRAUD_PROTECTION features.
Eligibility
- Minimum age — 18 yearsBe 18 years or older and hold a current Australian driver licence or learner's permit
- Residency status — Be an Australian or New Zealand citizen OR be an Australian permanent resident and hold an�acceptable visa
- Be a non-resident or migrant and hold an�acceptable visa with a minimum 1 year before expiry
- Have a fixed, verifiable Australian address
- Receive 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.
Constraints
- Minimum limit — $10,000.00The minimum amount financed is $10000
- Maximum limit — $130,000.00The minimum amount financed is $130,000
- 1-7 years of flexible loan term
More Information
Published by St.George Bank under the Consumer Data Right · Last updated 3 July 2026 · Product ID STGPLSecuredFixed · View on CDR.gov.au