Unsecured Personal Loan

General Lending Rates

Product Variations

Product Features

• Other Additional Information: Pay your way: Match your pay day with weekly, fortnightly and monthly repayments

• Other Additional 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.

• Other Additional Information: Borrow $4,000 - $50,000 with no need to offer a car as security

• Other Additional Information: Same-day funding: Access your funds within an hour of accepting your contract when transferred to an existing Westpac account.

• Other Additional 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

• Digital Banking 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

• 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.

Product Eligibility

• Min Age - 18.

• Residency Status - You're An Australian Or New Zealand Citizen Or You Have Permanent Residency In Australia And Hold An Acceptable Visa.

• Other Additional Information: 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 regular, verifiable Australian taxable income

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

Bank Fees and Charges

• Loan Account Fee (Periodic), Amount: 15.00.

• Lending Establishment Fee (Upfront), Amount: 250.00.

• 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

• Missed Payment Fee (Payment), Amount: 15.00.

• Bank Cheque Fee (Event), Amount: 10.00.

 Limitations & Restrictions (Constraints)

• Min Limit of 4000.00 Additional Information: The minimum amount financed is $4000

• Max Limit of 50000.00 Additional Information: The maximum amount financed is $50,000

Document Downloads

  p-l-contract-general-conditions.pdf (269.0 KB)
  acceptables-visas-upl.pdf (490.1 KB)