Apply for a Personal Loan

Call the Personal Lending Centre
on 132 651

Applying online for a Personal Loan is easy

To ensure you can complete your application it's important to have information like income, expenses, assets & liabilities and employer information handy.

Who can submit a Personal Loan application?

Australian citizens and permanent residents
Those with a minimum age of 18 or over
Those with a permanent monthly income and a stable job
Those with a good credit history (i.e. no defaults or bankruptcies)
Earn a minimum income of $15,000 per annum

For more details on these requirements see our detailed list.

Apply online

Fixed Rate Personal Loan
Apply for a Secured or Unsecured Personal Loan

Variable Rate Personal Loan
Apply for Unsecured Flexi Loan

Business Loan
Apply for a business loan online or call Business Direct on 132 772.

Personal Loan Protection
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 prior to completing the loan application form.

Other ways to apply

Alternatively, apply for a fixed rate personal loan or variable rate Flexi Loan by calling our Personal Lending Centre on 132 651 (Mon-Fri 8am-8pm, Sat and Sun 9am-6pm AEST). You can also apply for a fixed rate personal loan by downloading and faxing an

application form (PDF 73kb) to 1300 132 651; or apply for a variable rate Flexi Loan by visiting your local Westpac branch.

Interest rates & fees

Check out the fees and interest rates for our personal lending products.

Check the value of your car

Free online car valuations with Red Book.

Repayment calculators

Calculate repayments for your:

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.

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.

Personal Loan Protection insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This insurance product is distributed by Westpac Banking Corporation ABN 33 007 457 141(the Bank). The policy is subject to conditions, limits and exclusions on cover, which are explained in the policy wording. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS) has any liability in connection with the policy or this information.

A premium is payable if you decide to take out this insurance. The insurance is optional and is not a condition of the loan. You can arrange insurance with the insurer of your choice, or not arrange any insurance.