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Make sure you meet the eligibility requirements and have your documents ready, including details of your current expenses and proof of income.

If you’re an existing Westpac customer, check your details are up to date. We’ll pre‑fill the information we already have to help speed things up.

Not already a Westpac customer? You'll need at least 1 of these ID documents:

• Passport
• Australian Driver licence
• Australian Birth certificate
• Medicare card (can only be used in conjunction with a second form of ID)

Identification Checklist

Once you submit your application, you'll know if you're conditionally approved. Which means you know how much you could borrow.

Don't want to apply online? Call us on 132 651 (8am - 8pm, 7 days a week) or visit a branch.

You must:

• Be 18 years or older

• Be one of the following:

  • An Australian or New Zealand citizen
  • An Australian permanent resident and hold an acceptable visa
  • A non-resident or migrant and hold an acceptable visa. Must have at least 1 year before expiry.

• Have a fixed, verifiable residential Australian address

• Receive a regular, verifiable Australian taxable income

• A before tax annual income of at least $25,000 is recommended

You'll be assessed on your ability to repay the money you borrow. Three things you can do to help:

1. 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.

2. Check the details on your credit report are correct before applying. Head to CreditSmart.org.au and follow the links to get a free credit report. More about credit reports.

3. 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.

Current debts and expenses

Current debts: any loans, credit cards, or 'buy now, pay later' plans 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).

Monthly expenses: all your regular expenses, including phone bills, insurances etc.

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 (must be less than 60 days old)
• A Government Authority statement confirming your pension or allowance (from the last 2 months)
• Rental income proof (from the last 3 months).

Self-employed? You'll need to show:

• You've been in business for at least 18 months
• Business bank statements (from the last 2 months)
• Notice of Assessment (from last year).

Other details: any assets, savings or investments you might have.

Keep in mind: If you're a tax resident of another country, you'll need your foreign tax identification number.