This page covers what documents you’ll need to provide for your Westpac personal loan application.
If we conditionally approved your personal loan application, then you would have received an email outlining information we need you to provide to finalise your application.
Please refer to the sections below (as applicable to you) to see which information you need to supply.
How to provide your documents
For Unsecured or Car Loans, click the Verify your information button in the conditional approval email you received from us (your application reference number and email address will be pre-populated). Or, if you have your application reference number handy, you can also access the verification portal directly to provide your documents. If you have difficulty uploading documents, there’s also an option to send by email (accessed via the portal).
For Flexi Loans, please send documents using the email address provided in the conditional approval email you received from us.
Employment Verification
2 most recent payslips less than 60 days old
- Payslips must be consecutive (one after the other)
- Each payslip must show: ‘Year To Date’ income figure, gross/net income, tax, pay period, your name as on your application, and your employer’s name.
Payslips don’t show all of the above? Provide bank statements covering the last 3 months instead
- Showing your name as well as your salary/deposits (e.g. your last 12x weekly salary deposits)
- Note that screenshots or bank statements with blacked out information are not acceptable.
Also, if you started new employment within the last 2 months…
- Provide your signed employment contract confirming name, employment status and income details.
OR
- A letter of employment confirming name, employment status and income details.
Income Verification
Bank statement covering the last 3 months
- Each payment description must include either 'rent', the property address, or the name of the property
- For properties where the lease started less than 3 months ago, also provide the residential lease agreement
- Screenshots are not acceptable.
OR
Rental statements from your real estate agent covering the last 3 months
OR
The existing residential lease agreement – signed by both parties
- We don't accept handwritten or private lease agreements, or future date lease agreements.
OR
Most recent ATO Notice of Assessment that must be less than 18 months old and Tax Return confirming annual rental income
- Please mask your Tax File Number.
OR
For each rental property, an annual rental statement issued within the last 3 months
Other 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.
A request for each of the identity document(s) you have provided may be submitted via a third party provider to verify your identity information with the record held by the relevant government issuing agency.
| Table A - Primary Identification document | Table B - Secondary identification document |
|---|---|
| Birth certificate Australian (must be a full birth certificate) | Foreign driver’s licence |
| 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 licence |
| NSW Birth card | Shooter’s/firearms licence |
| 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 licence |
Australian higher education (TAFE or University) student card |
| Australian learner’s licence |
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 licence |
Utilities notice issued by a local government or utilities provider within the last 3 months which shows your name and residential address |
| Australian taxi licence |
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 |
Privacy Statement
Our Privacy Statement explains how we collect, use and disclose your personal information and credit-related information. Our Privacy Statement also provides information about how you can access and correct your personal information and make a complaint. You can read our Privacy Statement online or by calling us on 132 032.