Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input

Get your rate in under 5 minutes - without affecting your credit score.

1. About you

We’ll need your personal details. To help, we’ll need your address, and if you’re after a Car Loan, your Australian Driver Licence.

2. About your loan

Choose your loan type - either our Unsecured Personal Loan or our secured Car Loan - as well as the other loan details.

3. Get your rate

We’ll crunch the numbers to get your personalised rate and estimated repayments. Like what you see? Continue with your application straight away for a faster response.

Ready to get started?

Have your Australian Driver Licence handy so we can confirm your identity and get your rate.

It's recommended you provide your licence details as it helps to match your information when getting your credit score. To be eligible to apply for a personal loan, you'll need to:

  • have a regular, verifiable Australian taxable income
  • be aged 18 and over
  • be an Australian citizen or permanent resident of Australia / New Zealand OR
  • be a non-resident or migrant and hold an acceptable Visa (PDF 169KB), with a minimum 1 year before expiry
  • have a fixed, verifiable residential address in Australia.

Get started

To give you a personalised rate in connection with your application for a personal loan, we'll send information you give us to Equifax. That's so we can get credit information (including your credit score) and give you a personalised rate. This won't affect your credit score and you can decide not to continue with your application at any time.

Getting a personalised rate doesn’t guarantee your loan application will be approved. If you do continue with your application, a credit check will be carried out and recorded on your credit report.

Are you a Westpac customer with online banking?

If you're an existing customer and have online banking, save time and sign in to get your personalised rate.

Simply answer a few questions to find out your personalised rate and estimated repayments. Your personalised rate is based on your loan details, and your credit score from Equifax.

Things you should know

##The lending establishment fee will be added to your loan amount. Please read full terms and conditions before making a decision to apply for a Westpac Personal Loan.

~Car Loan for eligible Electric or Hybrid engine types is subject to an interest rate discount of 0.5%, applied at the time of application. Electric and Hybrid Car Loan interest rate, inclusive of 0.5% discount, is 5.99% p.a (comparison rate 7.20% p.a.^)

Credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.