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St.George Bank Car Loans

St.George Bank offers variable-rate and fixed-rate car loans for borrowers who are looking for their first vehicle, or who want to upgrade to a newer or bigger model. Borrowers can take out loans of up to $80,000 for up to seven years. St.George also offers the full range of personal products, including home loans, savings accounts, credit cards, insurance, investments and superannuation. St.George was founded in Sydney in 1937. It achieved full banking status in 1992 and has been part of the Westpac Group since 2008, following a merger.

St.George Bank car loan repayment calculator

Thinking about taking out a car loan with St.George Bank? Use our car loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how St.George Bank car loans compare with other options.

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St.George Bank Car Loans rates

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About St.George car loans

From its foundation as a building society in 1937, to its establishment as a bank in 1992, to its merge with Westpac in 2008, St.George has provided Australian customers and clients with an assortment banking services. Its personal banking products include savings and transaction accounts, credit cards and home loans, as well as car loans.

By using the value of your car to secure your St George car loan, you’ll be able to benefit from a low interest rate, helping to keep your repayments affordable for the full term of your car loan. There are options available for variable rate car loans, offering additional flexibility in your repayment options, and for fixed rate car loans, which keep your repayments consistent for simpler budgeting.

St.George branches can be found across Australia, and its services can also be accessed by phone or online.

Features of a St.George car loan

It’s important to note that St.George doesn’t offer car loans specifically – it instead offers personal loans, which can be used to purchase a new or used car. This isn’t that unusual – many car loans are essentially just secured personal loans with fixed interest rates – however St.George also offers additional options.

You can choose one of four available St.George car loan options, depending on whether you’d prefer a personal loan that’s secured or unsecured, and fixed or variable.

Plus, if you’re an existing St.George customer, you may be eligible for other special offers, such as having your establishment fees waived.

Customer service

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Live Chat
  • Branch


  • Can apply online
  • Can apply in branch
  • Suitable for both new or used car


  • Monthly fee charged
  • Application fee charged
  • Requires security to be held (secured loans only)

What RateCity says:

If the main feature you’re looking for in a car loan is a low interest rate, then the secured fixed rate car loan option from St.George should be the way to go. With the value of your vehicle reducing St.George’s risk, you’ll be able to benefit from a reduced interest rate that helps to keep your repayments consistently low for the full term of the loan.

If you’re looking for greater flexibility in your car loan, consider one of St.George’s variable rate options. Each of these loans offers access to a Redraw facility, so if you make extra payments to get ahead on your car loan, you’ll have the option to withdraw this money again, should the need arise.

Regardless of which St.George car loan you choose, the same fees and charges will apply, both at the establishment of the loan and monthly.


Anyone can apply for a St.George personal loan online, over the phone, or in a branch, though existing St.George customers may receive additional benefits. To apply, you’ll need to be 18+ and supply your:

  • ID
  • current employment details
  • recent financial records
  • details for one personal reference.


There are four different ways you can get a car loan. You can go straight to a lender. You can get a finance broker to organise a car loan for you. You can get ‘dealer finance’ – which is when the car dealer organises a car loan for you. Or you can organise your own car loan through a comparison website, like RateCity.

Whichever method you choose, you will need to provide proof of identification, proof of income and proof of savings. So you may be asked for any combination of passport, driver’s licence, bank statements, payslips, tax returns and utility bills. You might also be asked to provide proof of insurance.


^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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