PERSONAL LOAN FOR HOME ENERGY UPGRADES
Looking to make energy-efficiency upgrades to your home? We've teamed up with Origin – you could get $300 cashback.
Why choose a Westpac Unsecured Personal Loan for energy efficient upgrades?
$300 cashback offer
You could get $300 cashback from Westpac for Origin home batteries, solar, EV chargers and heat pumps through Origin. Eligibility, T&Cs apply.
Pay your way
Match your pay day with weekly, fortnightly and monthly repayments
$0 extra repayment fee
Make extra repayments and get ahead of your personal loan#. You’re in control with Westpac.
More reasons to choose us
- Borrow up to $50,000: Choose the loan amount you want between $4K - $50K
- Loan terms to fit your budget: Set your loan term however you want between 1 - 7 years. A longer term will lower your repayment amount, a shorter term will lower the interest you pay overtime
- Same-day funding: Once your loan’s approved, customers with an existing Westpac transaction account can access funds within an hour of contract acceptance *.
$300 cashback energy upgrade offer
QUOTES WITH Origin
Repayment calculator
This calculator helps you estimate how much your personal loan repayments could be.**
Frequently asked questions
Absolutely. You can combine upgrades, like Origin solar, a battery and EV charger, into a single Westpac loan, up to $50k.
To get the $300 cashback:
Online
Apply online by 23 May 2026 directly from this Personal Loans for home energy upgrades page. You can also apply from our Origin offer page.
By phone or in person
- Call 132 651 (8am - 8pm, 7 days a week), or visit your nearest branch.
- Mention the promo code “GLO"
- Apply for a new Westpac Unsecured Personal Loan from 23 March 2026 and accept your contract by 23 May 2026.
- Use the loan funds for eligible batteries, solar, EV chargers or hot water heat pumps through Origin Energy.
- The loan must be approved, and the funds drawn down to be eligible for the offer. By 22 July 2026, we’ll pay the cashback into the same transaction account your loan funds go into.
Important loan details. Credit criteria, fees, charges and terms and conditions apply. Loan approval isn’t guaranteed. Unconditional approval is valid for 60 days, so you might want to apply closer to your installation date. You can’t use this offer with other offers or discounts. We may change or withdraw this offer at any time. Government rebates may not always be available, check with your government or installer.
From time to time there may be government rebates available. Be sure to discuss this with your installer when you get your quote.
The details
Our Unsecured Personal Loan comes with a fixed rate, meaning that you have the certainty of a set repayment amount throughout the life of the loan. You can also make extra repayments to pay off your loan faster, giving you the best of both worlds (prepayment fee may apply#).
Key rates and fees
| Rate or fee | Amount |
|---|---|
| Annual fixed rate range | 7.00% p.a. to 21.99% p.a. |
| Comparison rate range | 8.41% p.a. to 23.28% p.a.^ |
Median rate
Around half of our customers receive the median rate or lower
|
16.49% p.a. |
| Lending establishment fee |
$250## |
| Monthly loan account fee | $15 |
Other fees and charges may be payable.
Fees that may apply
| Fee | Amount |
|---|---|
| Prepayment fee (applies if you choose a term greater than 2 years and pay it out in less than 2 years. This fee is waived if you pay out your personal loan by re-financing to another Westpac personal loan). | $175 |
| Missed payment fee | $15 |
| Bank cheque fee | $10 |
Other fees and charges may be payable.
Here’s how to apply.
1. Get your quote
Visit Origin’s offer page to get your no-obligation quote. They’ve teamed up with SolarQuotes to offer you up to 3 quotes from trusted installers across Australia.
2. Get the green light
Use your Origin quote to decide how much to borrow and apply online. If applying in-branch or by phone on 132 651 (8am - 8pm, 7 days a week), you will need to mention the promo code 'GLO’ for the $300 cashback offer.
3. Pay supplier or installer
After loan approval and upgrade installation, simply draw down from your loan to pay your Origin-approved supplier or installer. Please note that your loan funds can only be used for upgrade installation.
What happens after I apply?
- If we need more info, we’ll call or email you. You may need to email us some documents to verify.
- Once you’ve been approved, you'll get an email within 2 business days to view your contract and accept it online.
- Unconditional approval is valid for 60 days. If you apply too early, [you may need to make repayments before your upgrade is installed]. It's best to time your application so it is closer to your installation date.
- New to Westpac? We’ll also need to verify your ID in a branch.
- If you’ve chosen to have your funds transferred to your Westpac transaction account, accept the contract online and you can access funds in your Westpac account within 1 hour.
- Chosen another account? Allow up to 3 business days to access your funds.
Please read the full Personal Loan Contract Terms and Conditions (PDF 268KB) before deciding to apply.
How do I get the $300 cashback?
To get the $300 cashback:
Online
Apply online by 23 May 2026 directly from this Personal Loans for home energy upgrades page. You can also apply from our Origin offer page.
By phone or in person
- Call 132 651 (8am - 8pm, 7 days a week), or visit your nearest branch.
- Mention the promo code “GLO"
- Apply for a new Westpac Unsecured Personal Loan from 23 March 2026 and accept your contract by 23 May 2026.
- Use the loan funds for eligible batteries, solar, EV chargers or hot water heat pumps through Origin Energy.
- The loan must be approved, and the funds drawn down to be eligible for the offer. By 22 July 2026, we’ll pay the cashback into the same transaction account your loan funds go into.
Important loan details. Credit criteria, fees, charges and terms and conditions apply. Loan approval isn’t guaranteed. Unconditional approval is valid for 60 days, so you might want to apply closer to your installation date. You can’t use this offer with other offers or discounts. We may change or withdraw this offer at any time. Government rebates may not always be available, check with your government or installer.
Before you apply
Follow this section to improve the likelihood your application is approved.
- You're aged 18 or over
- You're an Australian or New Zealand citizen OR;
- You have permanent residency in Australia and hold an acceptable visa (PDF 489KB) OR;
- You're a non-resident or migrant and hold an acceptable visa (PDF 489KB), with a minimum 1 year before expiry
- You have a regular, verifiable Australian taxable income
- You have a fixed, verifiable residential address in Australia.
You'll be assessed on your ability to repay the money you borrow. Three things you can do to help:
- Make sure you're meeting your current repayment obligations for
- other credit cards or loans (including lenders such as Afterpay and Zip Pay)
- rent as well as utilities such as your phone, internet and electricity.
- Check the details on your credit report are correct before applying. Head to CreditSmart.org.au and follow the links to a free credit report. More about credit reports.
- Don't make multiple applications (with us or any other lender). Every application is listed as an enquiry on your credit report. Too many can be seen as a red flag and reduce your chances of approval.
Make sure you have everything in the list below:
- Proof of identity including at least two of the following:
- Australian driver licence
- Medicare card
- Passport
- Australian birth certificate
- NSW photo card.
- Current debts in your name (e.g. home loan, personal loans, other credit or store cards as well as instalment purchases such as Afterpay and Zip Pay)
- Proof of income. If your pay doesn't already go into a Westpac account, you'll need to show at least one of the following:
- Two most recent consecutive payslips from your main employer that are less than 60 days old
- A Government Authority statement from the last two months confirming your pension or allowance
- Rental income proof covering the last three months
- Self-employed? You'll need to show you've been in business for at least 18 months, the last two months' business bank statements and last year's Notice of Assessment.
- All your regular monthly expenses (including phone bills, insurances etc.)
- If you're a tax resident of another country, you'll need your foreign tax identification number.
If you're already a Westpac customer, you'll also need to:
- Sign into online banking to double-check your personal details (name, address etc) are up-to-date
- Apply as an existing customer in the application form
- We will have answered some of the basic questions such as personal details (name, address etc) on your application for you. Check that they're correct.
Additional eligibility criteria or documentation may be required.
Help when you need it
Things you should know
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice. Please consider your individual circumstances before applying for a Westpac Personal Loan. Credit criteria, fees, charges, terms and conditions apply. Information is correct as of 2 February 2026.
^Comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
- Unsecured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years with the interest rate of 7.00% p.a. (comparison rate 8.41% p.a.), the estimated total amount payable including fees is $36,839. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 7.00% p.a. to 21.99% p.a. (comparison rate from 8.41% p.a. to 23.28% p.a.)
#Prepayment fee: If you choose a term greater than 2 years for a Westpac Personal Loan, and pay it out in less than 2 years, there is a prepayment fee of $175. This fee is waived if you pay out your personal loan by re-financing to another Westpac personal loan.
##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.
*Access to funds within an hour: Available for existing customers who are approved for an Unsecured Personal Loan. Loan funds will be disbursed into an existing Westpac transaction account which needs to be in good standing, 60 minutes from when e-contract acceptance has been received. Funds requested to be transferred to a non-Westpac account can take up to 3 business days.
**Repayment calculator: Any calculations made by you using this calculator is intended as a guide only. It is for illustrative purposes only and is based on the accuracy of the information provided. The calculation is not an offer of credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The calculations should not be relied on for the purpose of making a decision whether to apply for a personal loan. Weekly and fortnightly repayment calculations - if your monthly repayments are $1000, fortnightly repayments are calculated by dividing $1000 by 2 and rounding up if required ($1000/2 = $500). Weekly repayments are calculated by dividing $1000 by 4 and rounding up if required ($1000/4 = $250).
^^To get the $300 cashback:
Online:
Apply online by 23 May 2026 directly from this Personal Loans for home energy upgrades page. You can also apply from our Origin offer page.
By phone or in person:
Call 132 651 (8am - 8pm, 7 days a week), or visit your nearest branch.
Mention the promo code “GLO"
Apply for a new Westpac Unsecured Personal Loan from 23 March 2026 and accept your contract by 23 May 2026.
Use the loan funds for eligible batteries, solar, EV chargers or hot water heat pumps through Origin Energy.
The loan must be approved, and the funds drawn down to be eligible for the offer. By 22 July 2026, we’ll pay the cashback into the same transaction account your loan funds go into.
Important loan details. Credit criteria, fees, charges and terms and conditions apply. Loan approval isn’t guaranteed. Unconditional approval is valid for 60 days, so you might want to apply closer to your installation date. You can’t use this offer with other offers or discounts. We may change or withdraw this offer at any time. Government rebates may not always be available, check with your government or installer.
Origin:
Westpac and Origin Energy have a referral arrangement. If you ask Origin Energy for a quote for energy upgrades, they send you to SolarQuotes. SolarQuotes is a subsidiary of Origin Energy. SolarQuotes is separate from Westpac. It gives you quotes from installers. Westpac is a credit provider that may provide financing for your energy upgrades.
What this means for you
SolarQuotes runs an online platform. Any details you enter into the SolarQuotes platform goes to Origin Energy and SolarQuotes, not Westpac. SolarQuotes and Origin Energy each have their own Privacy Policy. This can be accessed on their websites. This details how they manage your personal info.
You choose the installer you want. You must also check that the installer has a licence.
Important details
Westpac does not pay commissions to, or receive commissions from, Origin Energy or SolarQuotes.
Westpac is a credit provider. Westpac holds an Australian Financial Services Licence and an Australian Credit Licence (233714).
Origin Energy is an energy provider. Its subsidiary, SolarQuotes, helps customers find installers. These companies are not part of the Westpac Group.
Westpac does not promise anything about the quality or safety of installers found through them. We have not checked or approved these installers or their licences.
Their products and services are not exclusive to Westpac.
Credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.