based on 9674 St.George product reviews as rated by Mozo community

St.George car loans

You’re spoilt for choice when it comes to St.George car loans, and have no less than four versions to pick from for a new or preloved ride. Motoring enthusiasts can mix and match between fixed or variable interest rates, and secured or unsecured. To help you find the right one for your needs, we’ve set up a comparison table and answered your FAQs below...

St.George offers the following car loans

Rates and fees verified as correct at 22 April 2024. Other information correct at the time of writing. Advertiser disclosure.
Product Interest rate from Comparison rate from Upfront fee
Secured Personal Loan (Fixed)

6.49% p.a.to 12.99% p.a.

7.61% p.a.to 14.06% p.a.based on $30,000
over 5 years

$195.00

Unsecured Personal Loan (Fixed)

6.89% p.a.to 19.99% p.a.

7.81% p.a.to 20.83% p.a.based on $30,000
over 5 years

$150.00

Unsecured Personal Loan (Variable)

6.89% p.a.to 19.99% p.a.

7.59% p.a.to 20.59% p.a.based on $30,000
over 5 years

$150.00

St.George car loan FAQs

What’s the difference between a fixed and variable interest rate?

The first major difference between the two is that fixed interest rates don’t change, while St.George has the power to adjust variable rates during loan terms to reflect market conditions. If you compare both rate versions side-by-side, you’ll notice that fixed rates are slightly lower.

So as you can see, fixed and variable rate loans are pretty different, but did you know they offer different loan features too? For instance, if you want a car loan that lets you make extra repayments, redraw from them and not face a break cost for clearing your debt earlier, opt for a variable rate loan. Or, you could sacrifice those features for the peace of mind your rate will stay the same by picking a fixed rate loan.

What is a comparison rate?

It’s a rate based on a combination of costs you’ll likely encounter, like a sign up fee and ongoing costs, plus the interest rate. Something to keep in mind is that these rates are indicative only, which is why it’s useful to look at the interest rate too when comparing St.George car loans.

Should I secure my car to the loan?

Secured car loans have extra cred because they give St.George the power to repossess cars in cases of loan defaults. So why would you opt for a secured loan? The reason is simply because you are charged at a lower interest rate.

Do St.George’s secured and unsecured loans have different features?

Yes, and it’s worth factoring them into your car loan decision-making to save you financial pain later on. For instance, St.George’s fixed rate car loans have fewer features than the variable rate versions, and you’ll be charged an early loan repayment penalty fee for clearing your debt before you’re due to. But if you opt for a variable rate loan instead, you can take advantage of making extra repayments when you have the extra cash, dip into them via redraw facility and pay off your loan early fee-free.

How much can I borrow?

St.George can lend you between $3k and $80k if you opt for the secured loan, or up to $40k if the loan is unsecured. Other factors come into play on what loan amount you are eligible for too, including your credit history and current financial situation.

How frequently will I need to make repayments?

Your pick between weekly, fortnightly or monthly due dates.

How long can I take to pay off my loan?

It depends on whether your loan has a fixed or variable interest rate. St.George’s fixed rate loans have terms ranging from 1-5 years, whereas if you have a variable rate loan, terms can be two years longer.

Which St.George loans allow for extra repayments?

Variable rate car loans, where you can clear off more debt when you like. Just remember, using the redraw facility to dip into extra repayments is not free, and there is a minimum amount you have to take out when you use it.

How much will an early loan repayment penalty set me back?

It can vary, but the amount is usually based on how much St.George is out of pocket due to your early loan repayment. Remember, the fee will only kick in if you have a fixed rate loan.

Why would I use a redraw facility?

Simply to use the funds for life’s expenses that crop up, whether it’s a medical bill or school fees.

Can I use a St.George loan for a preloved car?

You can, but it needs to be less than 12 years old at the time the loan is issued, fully insured and registered to qualify as security. Otherwise, you could opt for an unsecured loan.

What’s the application process like?

Really easy. You can do it from the comfort of your home online, visit a branch, or call St.George’s customer service line. To speed up the application process, have the following personal details ready to go:

  • Proof of ID (driver’s licence or passport number)
  • A list of your assets and liabilities
  • Income and employment info

Once you’ve applied, St.George will get back to you on the outcome within 3 working days.

How are St.George car loans rated?

Mozo users have rated St.George car loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

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St.George car loans
Overall
Price
Features
Customer service
Convenience
Trust

269 Reviews

Recent St.George car loan reviews

St.George Car Loan
Overall 8/10
How to avoid early termination fees .

I have never had a problem with St George, but when l mentioned if l would be charged an early termination fee, they said yes. I am half way through my 5 year car loan. They only let me of 1 payment because l was ahead 1 month. My car recently burst into flames because of a manufacturing fault. I did nothing wrong. I was driving my car and smoke was filling the cabin so l turned off the engine and got out. Five minutes later my car burst into flames. It was very frightening for me. I could have burnt alive. When l get my payout from my insurance company, they will pay out my loan. I shouldn’t have to pay for any fees. My car fire is a very rare occurrence. Does anyone know how l can avoid paying for the early termination fees? My car dealer originally told me to always keep a few dollars on my loan until it finishes to avoid any fees. Has anyone does this? Does it work?

Read full review

I have never had a problem with St George, but when l mentioned if l would be charged an early termination fee, they said yes. I am half way through my 5 year car loan. They only let me of 1 payment because l was ahead 1 month. My car recently burst into flames because of a manufacturing fault. I did nothing wrong. I was driving my car and smoke was filling the cabin so l turned off the engine and got out. Five minutes later my car burst into flames. It was very frightening for me. I could have burnt alive. When l get my payout from my insurance company, they will pay out my loan. I shouldn’t have to pay for any fees. My car fire is a very rare occurrence. Does anyone know how l can avoid paying for the early termination fees? My car dealer originally told me to always keep a few dollars on my loan until it finishes to avoid any fees. Has anyone does this? Does it work?

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Less
Suzzane, South Australia, reviewed 10 months ago
St.George Secured Personal Loan
Overall 1/10
Worst communications in finance I’ve experienced

I’ve never had a lender that gave you no communication after the loan. No correspondence by mail , email , msg anything , it’s like they want you to default . Then after 1 month short of a 5 year loan I request a payout and they say they will send it but 3 times I’ve rang and no result yet .

Read full review

I’ve never had a lender that gave you no communication after the loan. No correspondence by mail , email , msg anything , it’s like they want you to default . Then after 1 month short of a 5 year loan I request a payout and they say they will send it but 3 times I’ve rang and no result yet .

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Darren, New South Wales, reviewed about 1 year ago
St.George Secured Personal Loan
Overall 1/10
Scammers

After reading the other reviews I feel I am in the same place. The interest is horrendous and set up by the car dealer James Frizelle. I know it is buyer beware but the terms are not explained properly and there is no mention of a payout to exit early. The interest is horrendous. To exit now with about one year to go there is a loan break fee of over $1500. What is that seriously for? No statements - I guess this is so you don't see how much interest you are paying. A client portal that does not work. I am not even sure these guys are part of St George or Westpac for that matter. So completely unprofessional. Feels more like a loan shark - STAY AWARE FROM THIS COMPANY AT ALL COSTS.

Read full review

After reading the other reviews I feel I am in the same place. The interest is horrendous and set up by the car dealer James Frizelle. I know it is buyer beware but the terms are not explained properly and there is no mention of a payout to exit early. The interest is horrendous. To exit now with about one year to go there is a loan break fee of over $1500. What is that seriously for? No statements - I guess this is so you don't see how much interest you are paying. A client portal that does not work. I am not even sure these guys are part of St George or Westpac for that matter. So completely unprofessional. Feels more like a loan shark - STAY AWARE FROM THIS COMPANY AT ALL COSTS.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Luke, New South Wales, reviewed over 1 year ago
St.George Secured Personal Loan
Overall 10/10
A compassionate, ethical and reliable bank.

A few years ago I took out a car loan with St George. A few years in I lost my job and found it difficult to make repayments. Rather than contacting and threatening me, St George took the time to understand me and presented me with some options. The customer service was exceptional and they really took their time to understand my situation. I was treated respectfully and with dignity at all times and they worked hard to resolve the situation with me. I can't recommend St George more highly. If you're looking for an ethical bank that cares about their customers, then I highly recommend St George.

Read full review

A few years ago I took out a car loan with St George. A few years in I lost my job and found it difficult to make repayments. Rather than contacting and threatening me, St George took the time to understand me and presented me with some options. The customer service was exceptional and they really took their time to understand my situation. I was treated respectfully and with dignity at all times and they worked hard to resolve the situation with me. I can't recommend St George more highly. If you're looking for an ethical bank that cares about their customers, then I highly recommend St George.

Price
8/10
Features
9/10
Customer service
10/10
Convenience
7/10
Trust
10/10
Less
Nick, Victoria, reviewed about 3 years ago
See all car loan reviews
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