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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.

Save more with free charging and a discounted rate~

Our Car Loan offers a discounted rate and up to $750 of free charging on eligible electric vehicles for up to 12 months.3

That's enough for over 7,000km of driving. Or, from Melbourne to Cairns and back.


Find out more

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.

3. Electric car charging offer: Receive 1,250-kWh charging limit to use for up to 12 months across the Australian Chargefox public charging network. After 12 months from offer activation or when the 1,250-kWh charging limit has been reached, charging costs will apply. This offer is available on a Westpac Car Loan that has been approved for a verified eligible electric car and e-contract acceptance confirmed. Within 30 days of e-contract acceptance, a unique voucher will be sent to the email address on the approved Car Loan application with activation instructions and expiry date. Offer is subject to change or be withdrawn at any time.

Example kilometres of over 7,000kms is based on average 15-20-kWhs per 100 kms and should be used as an example only. Car battery size, driver behaviour, temperature and other variables will affect the distance performance. Up to $750 of free charging value is based on $0.60 cost per kWhs for Ultra-rapid charging stations. kWh pricing may be higher or lower depending on the type of charger used. For more information visit

~Car Loan for eligible Electric or Hybrid engine types is subject to a 0.5% discount on your personalised interest rate, applied at the time of application. Electric and Hybrid Car Loan interest rates range from 5.49% p.a. to 12.49% p.a. (comparison rate 6.70% p.a. to 13.65% p.a.^)

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