Unsecured Personal Loans

Call the Personal Lending Centre
on 132 651

Need cash? Want to make a large purchase too big for a credit card or combine existing loan(s), credit, store or charge card(s) into a Westpac Personal Loan? Choose from:

A loan with one simple repayment and the certainty of a fixed rate
A loan with flexible repayment options, a competitive variable rate and the ability to redraw.¹

Take control and act today.

Whatever you need, we have the loan to suit your need.

The process is simple. You can apply online or call 132 651 - your application should take around 15-20 minutes.

Type of Loan	Loan amount	Term	Interest rates (pa)	Establishment fee	Monthly Service fee
Fixed Rate Unsecured Personal Loan	$4,000 - $50,000	1-7 years	From 13.89% - 14.39%^~	$250²	$7.50
Variable Rate Unsecured Flexi Loan	$4,000 - $75,000	Flexible⁺	12.99%	$150	$5.00

+Choose to make the required minimum monthly repayments, or to nominate a repayment goal 1-5 years for any withdrawal
~The rate depends on how much you want to borrow

Track or complete your Westpac Flexi Loan application

Comparison rate calculations for Fixed Rate Unsecured Personal Loans based on a designated amount of $10,000 (unsecured) for a term of 3 years have a comparison rate of 17.23% pa*.

View our comparison rate schedules (also available at our branches).

All applications are subject to westpac's normal lending criteria. Terms and conditions and fees and charges apply. For details go to the Westpac Flexi Loan Conditions of Use PDF (524kb) and Fixed Rate Unsecured Loan Conditions of Use PDF (167kb).

1. Up to the approved credit limit.
2. If applying for this loan as part of the student package, a discount of 0.5%p.a.(1) applies to the standard annual percentage rate.

Fixed rate Personal Loan Protection

You can choose to take out Personal Loan Protection as insurance for fixed rate personal loans against the inability to meet repayments.

Apply now

Apply for a Personal Loan now.

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Got a question about Personal Loans?

General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our ABN & RSE Numbers for Superannuation entities.

By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.

* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

The comparison rate schedule for our Personal Loan products can be obtained from any of our branches.

Fees and charges apply. Full details of terms and conditions are available on application. These may be varied, or new terms and conditions introduced, in the future. The content on these pages is for information only and is not an offer by the Bank to provide the products and services. Products and services described here are only available within Australia. Any application for credit is subject to Westpac's normal lending criteria.