Personal Loan application checklist

1. The Income & Employment Verification

If you are an existing Westpac account holder, we will endeavour to verify your income via the deposits in your account. If we are unable to do so, please refer to the below:

Employment type	Send this documentation
Full time/part-time & casual* employment	Your two most recent consecutive computer generated payslips less than 60 days old *If your employment status is casual, your payslips must also include a YTD income amount Or Your most recent bank statement(s), covering the last three month period
Self Employed	Your most recent Notice of Assessment (must be issued within the last Financial Year). Please black out your Tax File Number and Your last two months of business bank statements
Rental Income	Most recent bank statement covering the last 3 months with detailed narrative confirming recent rental deposits Or Your most recent Notice of Assessment (issued within the last Financial Year) and Tax Return
Australian Government Allowance/Overseas Pension*	Your most recent bank statement(s), issued within the last three months showing your Australian Government Allowance/Overseas pension deposited into your account Or A letter or statement from the Government authority confirming entitlements and income Or Your Centrelink statement showing your overseas pension is declared to Centrelink
Retirement Income	Your most recent Notice of Assessment/ Annual Investment Statement (issued within the last Financial Year) Or Bank statements covering the last 3 months with detailed narrative confirming recent Superannuation/Investments deposits
Spousal / Maintenance Income	A copy of Family Law Court order or Letter from Child Support Agency and Your most recent bank statements, issued within the last three months, showing recent and regular income deposits

2. Identity verification

Please visit your local Westpac branch as soon as possible and provide:

One item of identification from each of the categories listed below or two items of identification from Table A - Primary identification document category.

Table A - Primary Identification document	Table B - Secondary identification document
Birth certificate Australian (must be a full birth certificate)	Foreign driver’s license
Birth certificate Foreign (issued by a foreign government, the united nations or an agency of the united nations, must be a full birth certificate)	Security guard’s license
NSW Birth card	Shooter’s/firearms license
Australian citizenship certificate	Blind Citizens Australia ID card
Foreign citizenship certificate (must be issued by a foreign government)	Australian Public Service employee ID card
Australian driver’s license	Australian higher education (TAFE or University) student card
Australian learner’s license	Working with children check card (Blue card) QLD, VIC, WA
Current Australian passport (can either be current of expired within the last 2 years. Must not be cancelled, defaced or mutilated)	Australian Taxation Office (ATO) notice issued within the last 12 months which shows your name and residential address
Foreign passport (can either be current or expired within the last 2 years. Must not be cancelled, defaced or mutilated)	Financial benefits notice issued by Commonwealth, State or Territory government issued within the last 12 months which shows your name residential address (e.g. notice from Centrelink)
Foreign travel documents (issued by a foreign government, the United Nations, or agency of the United Nations)	Financial institution passbook (Australian which must be current and have a black light signature)
Australian boat license	Utilities notice issued by a local government or utilities provider within the last 3 months which shows your name and residential address
Australian taxi license	Centrelink health care card
Centrelink pension card	Australian Marriage certificate
Department of Veterans pension card	Medicare card
Keypass Photo ID card	Commonwealth seniors health card or state seniors card
18+ proof of age card
National identify card (issued by a foreign government, the United Nations or an agency of the United Nations)
NSW RMS photo card or proof of age card

3. Residential address verification

Please provide the following documentation for verification:

Secured personal loan:

Australian Driver’s Licence Must be current and not expired
- Must show your current residential address as provided on your application
- Front and back copies lightened and enlarged 200%

Unsecured personal loan: Please provide the following documentation for verification:

Australian Driver’s Licence or Proof of Age Card
- Must be current and not expired
- Must show your current residential address as provided on your application
- Front and back copies lightened and enlarged 200%

AND one of the following:

A current utility bill, issued within the last three months, by a Local Government or utilities provider

Must show your name as provided on the application
Must show your residential address as provided on the application
PO Box addresses will not be accepted

A current mobile phone bill, issued within the last three months:

Must show your name as provided on the application
Must show your residential address as provided on the application
PO Box addresses will not be accepted

A current bank statement, issued within the last three months:

Must show your name as provided on the application
Must show your residential address as provided on the application
PO Box addresses will not be accepted

4. Passport and eligible Visa details

Please send the following documentation for verification:

The photo page of your current passport
Your current Australian visa

5. Vehicle security verification content (applicable for secured personal loan only)

Minimum requirements for a vehicle offered as security. The car you offer as security on your secured personal loan must:

Be less than 7 years old
Have been imported by the manufacturer
Never have been written off (even if it was repaired)
Have a value appropriate to the loan amount
Be worth $10,000 or more
Have a paid full comprehensive insurance policy with Westpac noted as the financier.

Dealers Invoice or Contract of Sale. This must state:

Dealerships ABN and Name
Dealers licence number
Applicant’s name and address as per application. If joint application it can be in either or both applicants’ names
Year, Make, Model, Body and Badge of the vehicle to be purchased
VIN/ Chassis number
Build or Production date (Month/Year)
Engine number
Registration Plate number and expiry date (if purchasing a Used vehicle/ Demo model/Auction)

Note: Hand written Dealer Invoices are acceptable provided no amendments are made

Or

Official Registration Certificate or Recent Renewal notice. This must state:

Expiry date and must be current
Seller’s name
Vehicle details, Year, Make, Model on registration papers
VIN/ Chassis number
Engine number
Registration Plate number
Documents not accepted:
- Registration transfer form

6. Your personal details

If you have a mortgage, or have recently applied for a mortgage, the details of the monthly payments.

If you are renting or boarding, the details of your landlord / real estate agent including:

Name
Contact number

Details of all your monthly financial commitments, such as payments made for other loans, or credit cards

7. What do I need to check first?

Is the residential address we hold for you the latest? You will need to provide this in your application.

How to provide us with your latest address:

You can update us by calling 132 032 or
Update your personal details by signing in to Online Banking or Mobile Banking (if you are registered).

Allow 24 hours for our records to be updated before completing your application.

We respect your privacy.

Our privacy policy is available at westpac.com.au/privacy or by calling 132 032.

It includes information on how we handle your personal and credit information, including how you can request access to your information, seek corrections and make complaints.