Personal loans Personal loans

Who can apply?

• An Australian citizen, or permanent resident, 18 years and over

What you need to know or compile before you apply

View a checklist to ensure you have all necessary information at hand before applying. Importantly, you'll need a:

• Permanent monthly income, which can be verified
• Good credit history with no bankruptcies
• Your Australian driver's licence number (if you have one)
• Details of your current financial commitments
• Your email address.

This loan must only be used for personal purposes that do not contravene any laws in Australia or laws of any applicable overseas jurisdiction. View more information about business loans or call Business Direct on 132 772.

If you choose to take out  Personal Loan Protection Insurance in  your application for a fixed rate personal loan please view the Product Disclosure Statement (PDF 220kb) before completing the loan application form.

Apply online

Fixed Rate Personal Loan

  Apply for a Secured or Unsecured fixed rate Personal Loan

Variable Rate Personal Loan

  Apply for a Unsecured variable rate Flexi Loan

Other ways to apply

  Simply call 132 651 (Mon - Fri 8am - 9pm, Sat and Sun 8am - 6pm AEST/AEDT), to apply for a Personal Loan.  We give conditional approval immediately and a final decision as soon as we receive all required information. You can also apply for a fixed rate personal loan by downloading and faxing an application form (PDF 73kb) to 1300 132 651

   Apply for a variable rate Flexi Loan by visiting your local branch

Remember to ask about our Corporate Connections program to find out if you are eligible for a discounted rate.

What happens next?

Online applicants receive a reference number. A personal loans specialist will then contact you if confirmation is needed and ask you to nominate a Westpac branch to collect your contract. Once signed, funds are either credited directly to your account or provided by a bank cheque.

Phone applicants discuss requirements with a personal loans specialist, provide documentation and confirmation as needed and also nominate a Westpac branch to finalise the contract. Once signed, funds are either credited directly to your account or provided by a bank cheque.

You can easily check the status of your application by dialling 132 651 and speaking with one of our representatives at any of the following times:

• Monday to Thursday between 8am and 7pm (AEST/AEDT)
• Friday between 8am and 8pm (AEST/AEDT)
• Saturday between 9:00am and 2:30pm (AEST/AEDT).