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About personalised rates

We give you a personalised rate based on your credit score and the loan details you provide to us.

Getting your rate won’t impact your credit score

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 34KB), with a minimum 1 year before expiry
  • have a fixed, verifiable residential address in Australia.

Get started

Getting your personalised rate takes about 5-10 minutes to complete. You’ll get a quote with your personalised rate and estimated repayments once you've finished. Getting a personalised rate doesn’t guarantee your loan application will be approved. You’ll need to give us more information if you want to continue with your application once you’ve got your personalised rate and quote.

As part of your request to provide you with a personalised rate in connection with your application for a personal loan, we will send information you provide to us to Equifax. We do that so we can obtain credit information (including your credit score) and provide you with a personalised rate. This process will not affect your credit score and you can decide not to continue with your application at any time. If you do submit an application, a credit check will be carried out by Equifax 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. Your rate will be locked in for 14 days.

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. Your rate will be locked in for 14 days.