Category: Personal Loans Last Updated October 29, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a FIXED product. Additional Information The rate displayed is the minimum rate for the product. For information on the full rate range, please visit the product page, contact us on 132 032 or visit your nearest branch.
Interest Rate 7.99% PA
Comparison Rate 9.18%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
4000 to 50000
Minimum: $4000.00 Maximum: $50000.00
12 to 84 MONTH
Minimum: 12 MONTH Maximum: 84 MONTH
Lending Rate Type: Fixed
Interest Rate: 20.49%, Comparison Rate 21.61%
Repayment Type:
Loan Purpose:
Product Features
OtherAdditional Information: Weekly, fortnightly or monthly repayments - to align with when you are paid
OtherAdditional Information: Get a personalised rate without impacting your credit score. We give you a personalised rate and estimated repayments based on your credit score and the loan details you provide to us. Get your personalised rate and an estimate of your repayments for an Unsecured Personal Loan by answering a few questions. If you already bank with us, sign in to save time.
OtherAdditional Information: Borrow $4,000 - $50,000 with no need to offer a car as security
OtherAdditional Information: Same-day funding: Access your funds within an hour of accepting your contract when transferred to an existing Westpac account.
OtherAdditional Information: Loan terms to fit your budget: Set your loan term however you want between 1 - 7 years. A longer term will lower your repayment amount, a shorter term will lower the interest you pay overtime
OtherAdditional Information: Internet and Phone banking : Includes the Security, Stopping or altering payments, Scheduled transactions and payments , Other transactions and payments, Faults and service difficulties
Extra RepaymentsAdditional Information: The product has EXTRA_REPAYMENTS option available.
Fraud ProtectionAdditional Information: The product includes FRAUD_PROTECTION features.
Relationship ManagementAdditional Information: RELATIONSHIP_MANAGEMENT is available for eligible customers.
Product Eligibility
Min Age - 18.
Residency Status - Should Have Permanent Residency In Australia/nz, Or You Should Be A Non-resident Or Migrant And Hold An Acceptable Visa, With A Minimum 1 Year Before Expiry .
OtherAdditional Information: You have a regular, verifiable Australian taxable income
OtherAdditional Information: You should have a fixed, verifiable residential address in Australia.
Prepayment Fee (Exit), Amount: 175.00. Additional Information: Applies if you choose a term greater than 2 years and pay it out in less than 2 years. This fee is waived if you pay out your personal loan by refinancing to another Westpac personal loan