St George Personal Loan

Ability Finance Broker

St George Personal Loans

Unsecured Personal Loan

The St.George Personal Loan is an unsecured loan for amounts between $5,000 and $40,000 for any personal purpose.

Available to new or existing customers for personal use. An applicant must be over 18 years of age and standard credit application criteria and terms and conditions apply.

Variable Rate: 1 to 5 years
(maximum 7 year terms on loan amounts > $15K)
Fixed Rate: 1 to 5 years

Statements are issued six monthly

Repayments monthly, fortnightly or weekly repayments on principal and interest.

Customers are charged a one off establishment fee and an ongoing monthly fee. An early repayment fee applies to both fixed and variable rate customers. Fixed rate customers also pay a break cost fee upon early discharge. Ask for a copy of the schedule of Fees and Charges for more information.

Redraw facility available on variable interest rate option only. Minimum redraw amount is $500 and a redraw fee of $10 applies for each approved request.

Secured Personal Loan
Product Description	A St.George Bank Secured Personal Loan offers borrowers the opportunity to provide a motor vehicle as security over a personal loan and may be used for any worthwhile purpose such as buying a new car, to consolidate debts or going on a holiday.
Acceptable Security	Any motor vehicle being purchased or an existing unencumbered motor vehicle already owned outright by the applicant, subject to acceptable security guidelines, including: The borrowers and owners of the security vehicle must be the same. That is, a vehicle owned or being purchased by one borrower is not acceptable security for a loan in joint names. Only one motor vehicle can be used as security for the loan NB: Second hand imported motor vehicles are not acceptable security.
Loan Size	Minimum: $ 5,000 Maximum: $60,000
Loan Term	Variable Rate 1 to 5 years (Maximum 7 year term available on loan amounts > $15k) Fixed Rate 1 to 5 years.
Redraw Facility	A redraw facility is available on Variable Rate Personal Loans only. Minimum redraw amount is $500, and a $10 redraw fee applied for each approved request.
Documentation Required	Private Sale: A Vendor Tax Invoice is required when borrowers are purchasing a motor vehicle (which is being used as security for the proposed loan) via a private sale. A copy of the form can be downloaded from our website. Caryard Purchase: Tax Invoice or Sale of Contract is required when borrowers are purchasing a motor vehicle (which is being used as security for the proposed loan) from a licensed motor vehicle dealer. The tax invoice must contain the required motor vehicle identification particulars. Existing Motor Vehicle: If a vehicle already owned outright by the borrower/s is to be used as security for the loan, a copy of the vehicle's registration papers are required. Comprehensive Insurance: Evidence that the Motor Vehicle being used as security for the loan has Comprehensive Insurance, with St.George Bank noted as an interested party, must be provided in all instances.

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