3-cards
information
Personal Loans
No matter which personal loan you choose, if you apply online you'll get a response in 60 seconds.
single-rate
Apply now
true
Not yet with us?
Already with us?
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/personal-loans/?pid=cp-salob-conpl-pfh-cta1
true
offer
Get my rate
Get my rate
offer
Retrieve quote or application
[BVAR#wbc-public-domain]/personal-loans/saved-application/?pid=cp-salob-conpl-sfh-cta2
Retrieve quote or application
grey
I want to:
false
false
barbell-outlined
Consolidate my debts
house-outlined
Renovate my home/place
arrow-fork-outlined
Buy a motorbike
transport-outlined
Buy a caravan or RV
true
Choose a personal loan
Choose from:
true
- product-service:personal-loans/unsecured-personal-loan
Unsecured Personal Loan
Use this loan to consolidate debt, upgrade your home, buy or repair a vehicle, or make a large purchase.
icon
account
Rates
percent
From
7.29% p.a.
Interest rate
With a
8.69% p.a.
Comparison rate[#]
Weekly repayments of $82 based on a 7 year loan of $15K with an interest rate of 16.99% p.a. (comparison rate of 18.31% p.a.)[#]
Features
tick-circle
- You could borrow: $4,000 - $70,000
- Repayment terms: 1-7 years
- Security: Not required
- Same day funding[#]
- Loan terms to fit your budget
Apply now
true
Not yet with us?
[BVAR#wdp-domain]/hamal/ntb0/personalloansorigination?fid=cp-salob-conp-pc-cta1-ntb-upl
Already with us?
[BVAR#wdp-domain]/hamal/etb0/personalloansorigination?fid=cp-salob-conpl-pc-cta1-etb-upl
true
Find out more
- product-service:personal-loans/car-loan
Car Loan
Use this loan for eligible petrol, diesel or LPG cars, and secure it against your car to get a lower interest rate.[#]
icon
car
Rates
percent
From
6.49% p.a.
Interest rate
With a
7.90% p.a.
Comparison rate[#]
Weekly repayments of $144 based on a 7 year loan of $35K with an interest rate of 8.49% p.a. (comparison rate of 9.67% p.a.)[#]
Features
tick-circle
- You could borrow: $10,000 - $130,000
- Repayment terms: 1-7 years
- Security: The car you're buying
- $0 repayment fees, for extra repayment[#]
- No balloon payment
Apply now
true
Not yet with us?
Already with us?
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/personal-loans/car-loan/summary/?fid=cp-salob-conpl-pc-cta1-etb-carloan
true
Find out more
- product-service:personal-loans/electric-car-loan
Electric Car Loan
Use this loan for eligible electric or plug-in hybrid vehicles (PHEV), and secure it against your car.[#]
icon
car
Rates
percent
From
5.74% p.a.
Interest rate
With a
7.16% p.a.
Comparison rate[#]
Weekly repayments of $200 based on a 7 year loan of $50K with an interest rate of 7.99% p.a. (comparison rate of 9.39% p.a.)[#]
Features
tick-circle
- You could borrow: $10,000 - $130,000
- Repayment terms: 1-7 years
- Security: The car you're buying
- $0 repayment fees, for extra repayment[#]
- No balloon payment
Apply now
true
Not yet with us?
Already with us?
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/personal-loans/electric-car-loan/summary/?fid=cp-salob-conpl-pc-cta1-etb-ev
true
Find out more
- product-service:personal-loans/hybrid-car-loan
Hybrid Car Loan
Use this loan for eligible hybrid vehicles, and secure it against your car.[#]
icon
car
Rates
percent
From
6.49% p.a.
Interest rate
With a
7.90% p.a.
Comparison rate[#]
Weekly repayments of $200 based on a 7 year loan of $50K with an interest rate of 7.99% p.a. (comparison rate of 9.39% p.a.)[#]
Features
tick-circle
- You could borrow: $10,000 - $130,000
- Repayment terms: 1-7 years
- Security: The car you're buying
- $0 repayment fees, for extra repayment[#]
- No balloon payment
Apply now
true
Not yet with us?
Already with us?
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/personal-loans/hybrid-car-loan/summary/?fid=cp-salob-conpl-pc-cta1-etb-hybrid
true
Find out more
- product-service:personal-loans/flexi-loan
Flexi Loan
With Flexi Loan, you apply once, withdraw anytime and only pay interest on the funds you use.
icon
money-in
Rates
percent
Annual variable interest rate
18.99% p.a.
(only on the money you use)
Features
tick-circle
- You could borrow: $4,000 - $50,000
- Repayment terms: No set end date
- Security: Not required
- Only pay interest on what you use
- $0 withdrawal and cash advance fees
Apply now
true
Not yet with us?
Already with us?
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/personal-loans/flexi-loan/summary/?fid=cp-salob-conpl-pc-cta1-etb-flexi
true
Find out more
Offers
grey
pictogram
dollar-sign-light
Unsecured Personal Loan
You could save up to $250 upfront
For a limited time, combine your debts into one personal loan and you could save on your establishment fee. Apply by 30 September 2026, with approval and contract acceptance by 14 October 2026. Eligibility criteria, T&Cs, fees and charges apply.[#]
Find out more
none
pictogram
plant-light
Unsecured Personal Loan
You could earn $300 cashback on a personal loan for home energy upgrades
Quotes with Origin
We've teamed up with Origin for quotes from Origin's network of local approved installers. Accept your contract by 30 September 2026 for the $300 cashback. Eligibility T&Cs apply.[#]
• $300 cashback offer from Westpac
• For Battery, solar, EV chargers and/or hot water heat pumps
• Explore offers and any available government rebates
We've teamed up with Origin for quotes from Origin's network of local approved installers. Accept your contract by 30 September 2026 for the $300 cashback. Eligibility T&Cs apply.[#]
• $300 cashback offer from Westpac
• For Battery, solar, EV chargers and/or hot water heat pumps
• Explore offers and any available government rebates
Find out more
none
white
Handy calculators and tools
true
Get a personalised rate
Get your personalised rate and repayment estimate based on the credit score and loan details you give us. It only takes a few steps, and it won't affect your credit score.
pictogram
percent-sign-duo
Get my rate
Repayment Calculator
Use this calculator to help you estimate repayments for an Unsecured Personal Loan.
pictogram
calculator-duo
Calculate now
[BVAR#wbc-public-domain]/personal-loans/repayment-calculator?fid=cp-salob-conpl-crds-cta1-repayment
Car Loan Calculator
Use this calculator to help you estimate repayments for a secured Car Loan.
pictogram
car-duo
Calculate now
[BVAR#wbc-public-domain]/personal-loans/car-loan-calculator?fid=cp-salob-conpl-crds-cta1-carcalc
Borrowing Power Calculator
Use this calculator to help estimate how much you could borrow.
pictogram
dollar-sign-duo
Calculate now
[BVAR#wbc-public-domain]/personal-loans/borrowing-power-calculator?fid=cp-salob-conpl-crds-cta1-bpc
white
account
Loan terms to fit your budget - Choose a term so repayments fit your budget with our fixed rate loans, or keep it completely open with our Flexi Loan.
percent
Know your rates and repayments - Before you apply, check your repayments and get your rate—without impacting your credit score.
check
Fast funds - Once your loan’s approved, customers with an existing Westpac transaction account can access funds within an hour of contract acceptance.[#]
thumb-up
Apply with confidence - Calculate your personalised quote and repayments before you apply, then get a response in under 60 seconds.
Frequently asked questions
false
What is an unsecured personal loan?
An unsecured personal loan doesn’t use your car, home or other assets as security. You can use it for things like paying off debts, buying or repairing a vehicle, home renovations, education, medical bills, travel or a wedding. Because there’s no security, interest rates are usually higher than secured loans.
What is a secured car loan?
A secured car loan uses your car as security. This means the lender can take and sell the car if you can’t repay the loan. Because the loan is secured, Westpac Car Loans typically have lower interest rates than unsecured personal loans.
How much can I borrow with a personal loan?
How much you can borrow depends on your financial situation and the type of loan you choose. For example, secured car loans may allow you to borrow more than unsecured personal loans.
When you apply, Westpac will consider:
- your personal situation (for example, your marital status and dependents)
- your income and any savings or investments you may have
- your expenses and existing debts
This helps make sure you can comfortably repay the loan.
Tip: Use the borrowing power or repayment calculators to estimate how much you could borrow and what your repayments might be.
grey
Help when you need it
true
Credit scores and rates
pictogram
generic-document-duo
A loan to match your needs
pictogram
coins-duo
Handy guides
pictogram
light-bulb-duo
Things you should know
Personal Loan Contract Terms and Conditions
Online Banking Terms and Conditions
Flexi Loans General Conditions
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice. Please consider your individual circumstances before applying for a Westpac Personal Loan. Credit criteria, fees, charges, terms and conditions apply. Information is correct as of 14 August 2026.