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Looking to borrow for a holiday, new car, home renovations or to consolidate debt? Our personal loan comparison table helps you work out the lending option that best suits your needs.

Suitable for
Interest rate
Comparison rate4
Loan amount (min-max)
Loan term (min-max)
Redraw facility2
Establishment fee5
Monthly service fee
Things you should know

Personal Loan Contract Terms and Conditions (PDF 127KB)
Personal Loan Protection Product Disclosure Statement (PDF 237KB)
Flexi Loan Conditions of Use (PDF 172KB)

Please note the Flexi Loan Conditions of Use will change from 3rd August 2020. Please see Details of Change (PDF 1MB).

Approval is subject to Westpac's normal lending criteria. Terms and conditions and fees, and charges apply and may change. Information current as at 13 November 2018.

1. A new or used vehicle purchased is used as the security for the loan - excludes imported vehicles not imported to Australia by the manufacturer. Used vehicle must be less than seven years old.

Redraw Facility

2. Available on Westpac Flexi Loan only. Withdrawals are subject to authorisation.

Comparison rate information

3. Interests rates are subject to change.

4. The comparison rate is based on a personal loan with a loan amount of $30,000 and a term of 5 years. 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. 

5. The establishment fee will be added to your loan amount. Other fees and charges may be payable. Full terms and conditions are available on request. These may be varied, or new terms and conditions introduced in the future.