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 check list 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 drivers 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 is for a fixed rate personal loan please view the Product Disclosure Statement (PDF 220kb) prior to completing the loan application form.

Apply online

Fixed Rate Personal Loan

 Online for a Secured or Unsecured Personal 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

  - 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 you application by dialling 132 651 and speaking with one of our representatives at any of the following times:

• Monday to Friday between 8am and 8pm (AEST/AEDT)
• Saturday between 9:30am and 1:30pm (AEST/AEDT).