Important information for our customers

We’ve made changes to the Westpac Personal Loans General Conditions

We’ve made the following changes to our Personal Loan General Conditions, effective 30 October 2025:

Updating Westpac’s Accessibility Support in the ‘We’re here to help’ section.
For the Banking Code of Practice, removing reference to asking for a hard copy of the Banking Code of Practice within a branch or over the phone.
Removing reference to ‘Smart ATM’ and replacing with ‘select Westpac ATMs’ in clause 4.5 (f)
Removing the Mortgages section of the Information statement.
Updating ‘in a newspaper’ in the Information Statement to ‘by your credit provider’ when referencing the notice method.
Updating ‘20 days’ to ‘30 days’ when referencing written notice period in the Information Statement.
Adding the key term in the Important Information section - 'In certain circumstances either you or we may end the contract at any time before the Loan Start Date. See clause 2.3.’
Updating Section 23 of the Information Statement to reference the correct question for the AFCA scheme details

We are making the following changes to our Flexi Loan General conditions, effective 15 December 2025:

Updating Westpac’s Accessibility Support in the ‘We’re here to help’ section.
Removing reference to asking for a hard copy of the Banking Code of Practice within a branch or over the phone.
Updating ‘20 days’ to ‘30 days’ when referencing written notice period in the Information Statement.
Removing the Mortgages section of the Information statement.
Adding the key term in the Important Information section - In certain circumstances we may decline to activate your loan account. See clause 2.2.
Adding the key term in the Important Information section- Whilst your account is open (even if we have terminated this agreement) you must continue to meet your repayment obligations. See clause 12.4 for more details.
Updating the key term in the Important Information section - We may delay, block, suspend or refuse to provide any of our services to you, close your Loan Account or request further information from you (and disclose information to other parties) where we consider it necessary for us to meet our regulatory and compliance obligations, or where you may be using our services in a manner that breaches the law. See clause 4 for more details.
Updating Section 22 of the Information Statement to reference the correct question for the AFCA scheme details.

To access and download a copy of the updated General Conditions, please see below links:

For more information, please call us on 132 032 or visit in branch