Managing my money better
How can I pay less interest?
We can help you pay us less interest and pay off your debts quicker
If you have existing credit cards, store cards, or loans, you can apply to combine them under a personal loan. A fixed rate personal loan will give you certainty in your repayments and save you the hassle of making multiple payments.
You have the option to set up Card Autopay request form (PDF 122kb) and arrange for the outstanding balance on your account to be paid off in full each month, which could minimise the interest you pay.
If you have outstanding debts on your credit card or personal loan, you may be able to apply to increase your home loan to consolidate these debts. Because the home loan rate is lower than the interest rate on your personal loan or credit card, this option could help you pay less interest and pay those debts off much quicker if you continue to make the increased monthly loan payments.
Our Rocket Repay Home Loan provides a linked 100% offset transaction account. This means that every dollar in your transaction account reduces the amount of interest you pay on your loan. The more funds in your transaction account, the less interest you’ll pay.
Review your options:
- View all personal loans
- Compare credit cards
- Card Autopay request form (PDF 122kb)
- View all home loans
Things you should know
- Important: Applications for credit are subject to Westpac's normal lending criteria.
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