Car Loan

 General Lending Rates

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

• Lending Rate Type: Fixed
• Interest Rate: 5.99%, Comparison Rate 7.20%
• Repayment Type:
• Loan Purpose:

 Product Features

• Other Additional Information: Borrow $10,000 - $100,000 for a new or used car (conditions apply)

• Other Additional Information: Weekly, fortnightly or monthly repayments - to align with when you are paid

• Other Additional Information: Receive a discounted interest rate when you use a Westpac Car Loan to buy an eligible electric and hybrid vehicle

• 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: A fixed rate means your repayments stay the same and you know the end date

• Other Additional Information: Help to cover the extras: You may be able to borrow a little more to cover other expenses, such as insurance, registration and optional extras.

• Other Additional Information: A preferential fixed rate is available for�eligible electric and hybrid cars

• 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

• 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 - Should Be A Citizen Or Permanent Resident Of Australia, Or 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: Hold a current Australian driver's licence or learner's permit

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

 Bank Fees and Charges

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

• 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.

 Document Downloads

  p-l-contract-general-conditions.pdf (210.7 KB)
  acceptables-visas-upl.pdf (490.2 KB)