Let’s get your personalised rate
Find out your personalised fixed rate and what your estimated repayments would be before you apply in under 5 minutes.
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You’ll get your estimated fixed personalised rate and repayment options before continuing with your application.
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This won’t affect your credit score, and you can decide not to continue with your application at any time.
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All we need are a few details about you and your loan.
I understand:
- Personalised rates apply only to Westpac Unsecured Personal Loans and Secured Car Loans – they don’t apply to Flexi Loans.
- Getting a personalised rate doesn’t guarantee my application will be approved.
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If you're an existing customer and have online banking, save time and sign in to get your personalised rate.
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Simply answer a few questions to find out your personalised rate and estimated repayments. Your personalised rate is based on your loan details, and your credit score from Equifax.
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Frequently asked questions
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Instead of a one-size-fits-all approach, personalised pricing lets us offer more customers personal loans at competitive rates. Your personalised rate is based on your individual credit score and the loan details you provide to us.
Your rate will fall somewhere within our rate range of, for example, an Unsecured Personal Loan is from 7.29% p.a. to 22.19% p.a. (comparison rate 8.69% p.a. to 23.48% p.a[#]). If you have an above average credit score, and based on your loan details, you may be offered a personalised rate at the lower end of the range, for example, from 7.29% p.a. (comparison rate 8.69% p.a.[#])
If you have an average or below average credit score, and based on your loan details, you may be offered a personalised rate in the middle or higher end of the range.
Getting your personalised rate doesn’t affect your credit score. Once you have your rate, if you choose to submit an application, a credit check will be carried out by Equifax and recorded on your credit report.
The comparison rate can help you understand and compare the true cost of a personal loan.
The interest rate is not the only cost of the loan - there’s other fees and charges too. The comparison rate includes in its calculation both the interest rate and some of these fees and charges that may be payable with a loan and reduces those to a single rate.
You should be aware that different loan amounts and loan terms will result in different comparison rates. Other costs like redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate, but may change the cost of the loan.
Currently personalised rates are only available for our Unsecured Personal Loan and Car Loan.
Use our helpful calculators to get an estimate on what your repayments could be and what you could borrow.
Things you should know
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.
Credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.