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  Secured Fixed Personal Loan

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 12.99%, Comparison Rate 14.14%
• Repayment Type:
• Loan Purpose:

 Product Features

• Other Additional Information: Get a lower interest rate : By offering your car as security for the loan, you can access a lower rate than our unsecured personal loan.

• Other Additional Information: Preferred repayment frequency: Choose to make weekly, fortnightly or monthly repayments to suit when you get paid.

• Digital Banking Additional Information: Internet banking access : Manage your loan and track your repayments online or through your mobile banking app.

• Extra Repayments Additional Information: The product has EXTRA_REPAYMENTS option available.

• Fraud Protection Additional Information: The product includes FRAUD_PROTECTION features.

• Relationship Management Additional Information: RELATIONSHIP_MANAGEMENT is available for eligible customers.

• Other Additional Information: Internet and Phone banking : Includes the Security, Stopping or altering payments, Scheduled transactions and payments , Other transactions and payments, Faults and service difficulties

 Product Eligibility

• Min Age - 18. Additional Information: Should be aged 18 years or over

• Residency Status - You Have Permanent Residency In Australia/nz Or You're A Non-resident Or Migrant And Hold An Acceptable Visa, With A Minimum 1 Year Before Expiry.

• Other Additional Information: You have a fixed, verifiable residential address in Australia.

• Other Additional Information: You have a regular, verifiable Australian taxable income

• Other Additional Information: To qualify for a lower personalised interest rate on a Secured Personal Loan, applicant must meet our credit criteria.

 Bank Fees and Charges

• Lending Establishment Fee (Upfront), Amount: 250.00. Additional Information: Lending establishment fee (added to your loan amount). Excludes all government charges such as stamp duty, search fees, fees to register security interest with the Personal Property Securities Register

• Monthly Loan Account Fee (Periodic), Amount: 12.00.

• Loan Discharge Fee - Within 12 Months (Exit), Amount: 150.00. Additional Information: Loan discharge fee if you fully repay the loan within the first 12 months

• Loan Discharge Fee - After 12 Months (Exit), Amount: 100.00. Additional Information: Loan discharge fees if you fully repay the loan after the first 12 months and before the end of the loan term

• Ppsr Fee (Event), Amount: 6.00. Additional Information: A Government fee, charged by the Personal Property Securities Register

• Missed Payment Fee (Event), Amount: 15.00. Additional Information: Payable when we send you an arrears letter relating to an overdue amount.

• Processing Fee (Transaction), Amount: 3.00. Additional Information: Payable each time you make any repayment on your loan over the counter in a branch or by cash or cheque

 Limitations & Restrictions (Constraints)

• Min Limit of 3000.00

• Max Limit of 100000.00

 Document Downloads

  stg-personal-loan-terms.pdf (669.3 KB)
  stg-personal-loan-fees-charges.pdf (3.1 MB)
  stg-acceptable-visas-upl.pdf (990.3 KB)