Important disclosure

St. George Bank Car Loans

St. George Bank car loans come with fixed rate and variable rate options. You can also choose between secured and unsecured finance. To tailor your loan, check out our comparison table below and calculate repayments. Once you find the best option and apply, you could be hearing the exciting jingle of new car keys in no time.

Loan Amount



5 months

St.George Bank

Fixed Rate Personal Loan

EST Monthly Repayment
Advertised Rate
Advert. Rate (p.a)
Comparison rate
You can use the car you buy as security for the loan, which means you’ll get the benefit of a considerably lower interest rate than you might with an unsecured loan.
St.George Bank

Variable Secured Personal Loan

EST Monthly Repayment
Advertised Rate
Advert. Rate (p.a)
Comparison rate
You can use the car you buy as security for the loan, which means you’ll get the benefit of a considerably lower interest rate than you might with an unsecured loan. provides factual information in relation to financial products. While attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 19.07% p.a. Total interest repayments vary between $4,290 and $14,531 over the life of the loan. *Comparison rate is based on an unsecured loan of $30,000 for a term of 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. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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St. George Bank car loans – Get the full range of options

From its humble beginnings as a co-operative building society in 1937, St. George Bank has come far to where it is now part of the Westpac Group. St. George Bank still manages to serve up its own unique brand of financial products, however. Besides home loans, credit cards, and savings accounts, the bank’s impressive catalogue includes personal loans that may be handy for your next car purchase.

Read on to find out if St. George Bank car loans are right for you.

St. George Bank car loans in a nutshell

St. George’s flexible personal loan offers between $2K and $80K while loan terms range from 1 to 7 years across the board. St. George currently charges lower rates for fixed rate loans than for variable rate loans. If you qualify, you can use the funds to buy a car, motorcycle, boat, jet ski or more. The specific details of your loan will, however, largely depend on whether you opt for secured or unsecured credit.

St. George secured personal loans

When you use your auto as security, you get a lower rate. Since this allows St. George to seize the vehicle if you default, the bank will charge less to match the reduced risk. You can also borrow between $3K and 80K, which is more than you get with an unsecured loan.

This loan option is only suitable if the vehicle is 12 years old or less when the contract ends. Secondly, it must be a four-wheel vehicle with no previous extensive damage or write-offs. The third requirement is that the car must be registered in your name once you buy it. Lastly, it must have comprehensive car insurance of at least 12 months when you receive the funds.

St. George unsecured personal loans

This option lets you borrow between $2K and $50K at a higher rate since you won’t be using your car as collateral. Generally, it means there are fewer restrictions in terms of the sort of vehicle you can buy. For instance, it’s possible to buy a much older used car, a two-wheeler, or even a boat.

Fixed rate vs variable rate

Whether you choose secured or unsecured finance, a fixed interest rate offers peace of mind from having an easy budgeting process, consistent repayments, and protection against rate hikes. The interest rate starts from 7.49% (secured) or 11.49% (unsecured), and you can choose terms of between 1 and 5 years.

On the other hand, a variable rate loan offers more flexible terms of up to 7 years. Although your rate might fluctuate, the other upside is that you can pay off your debt earlier with fewer fees than fixed-rate loans.

The rate starts from 12.74% (secured) or 12.99% (unsecured). St. George Bank will calculate your exact rate based on your personal details and circumstances.

Fees and charges for St. George car loans

Here’s a list of key features associated with St. George car loans at the time of writing (fees subject to change):

  • Monthly administration fee – $12
  • Redraw fee – $10
  • Establishment fee – $195
  • Early repayment fee (if you fully repay in the first 12 months) – $150
  • Early repayment fee (if you fully repay after the first 12 months and before the term ends) – $100
  • Break costs (applies to fixed rate loans that are in default or paid off early in full) – Varies with the amounts in question.

How to apply for a St.George Bank car loan

St. George Bank’s lending criteria looks something like this:

  • Be aged 18 years or older
  • Have a steady income before tax of at least $35K p.a.
  • Be an Australian citizen or permanent resident
  • Have confirmed employment in Australia (non-resident)

To apply online click the right “Go to Site” button in the table above. The application process can take anywhere from 10-20 minutes. Also when St. George Bank looks at your application, they may ask for more info and details.

Once you’re approved, you accept the online offer so you can receive the money in your account. If you have opted for secured finance, you may have to visit a St. George Bank branch to submit proof of comprehensive insurance.

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