Phone 1800 805 458 for a quote, to make a claim or to get a copy of your policy.
Call the Personal Lending Centre on 132 651
The rate depends on the loan purpose and how much you want to borrow.
| Purpose | Loan amount | Term | Interest rates (pa) | Establishment fee | Monthly service fee |
| New Car1 | $4,000 to $100,000 | 1-7 years | From 11.49% - 12.99% | $250 | $7.50 |
| Used Car2 | $4,000 to $100,000 | 1-7 years | From 11.99% - 13.99% | $250 | $7.50 |
| Boat3 | $4,000 to $70,000 | 1-7 years | From 13.39% - 14.29% | $250 | $7.50 |
| Other4 | $4,000 to $100,000 | 1-7 years | From 13.39% - 14.29% | $250 | $7.50 |
1. Purchase brand new car from dealer only.
2. Purchase or refinance a used car (excludes imported second hand motor vehicles which are not imported to Australia by the manufacturer. A valuation must be available through Redbook.com.au).
3. Excludes boats sold privately.
4. Includes: purchase or refinance a new or used car, refinance other debts; finance the purchase of a caravan, motor cycle, used boat, or other acceptable personal borrowing where a motor vehicle can be provided as security.
New Car loans based on the designated amount of $30,000 (secured) for a term or 5 years have a comparison rate of 12.36% pa*.
Used Car loans based on the designated amount of $30,000 (secured) for a term of 5 years have a comparison rate of 13.15% pa*.
Boat and Secured Personal Loans for other purposes based on the designated amount of $30,000 (secured) for a term of 5 years have a comparison rate of 14.45% pa*.
View our comparison rate schedules (also available at our branches).
All applications remain subject to loan security guidelines and normal credit guidelines.
Unsecured Personal Loan#
The rate depends on how much you want to borrow.
| Loan amount | Term | Interest rates (pa) | Establishment fee |
| $4,000 - $50,000 | 1-7 years | From 13.89% - 14.39% | $2501 |
Comparison rate calculations for 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 remain subject to normal credit guidelines.
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.
(1) Other fees and charges are payable, full terms and conditions are available on request.
Personal overdraft pricing and conditions#
Loan Type: Unsecured Personal Overdraft
| Purpose | Loan amount | Interest rates & service fee | Establishment fee |
| Ongoing, revolving line of credit for any worthwhile personal purpose | $1,000 - $25,000 | 12.64% pa (variable interest rate) $8/month | $250 |
| Purpose | Overdraft limits | Interest rates & service fee | Establishment fee |
| Short term credit for unforeseen opportunities or expenses | $250- $499 | 14.64% pa (variable interest rate) No other fees^ | $12 |
$500- $999 | $25 | ||
$1,000- $9,999 | $50 | ||
$10,000- $49,999 | $100 | ||
$50,000+ | $150 |
Personal overdraft interest rates are current as at 10 November 2008.
^Subject to full repayment being made at agreed term, and overdraft being maintained within agreed limit.
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 Australian Prudential Regulation Authority Registrable Superannuation Entity (RSE) Licence & Registration numbers.
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 current Terms and Conditions (including bank fees and charges) are available on application. Terms and conditions, including bank fees and charges, may be varied or introduced in the future. Government charges and taxes apply.
Copyright © 2008 Westpac Banking Corporation ABN 33 007 457 141