Westpac Personal Loans
Westpac offers a complete suite of personal and car loans. Interest rates depend on the product you choose and fees apply.
Key takeaways
- Westpac offers two personal loans a fixed rate option and a higher rate variable Flexi Loan.
- Westpac personal loans often include application fees and monthly fees; customer satisfaction is below average.
- Applicants typically need to be 18+ with paid employment for loans up to $50,000 for up to seven years.
What different scores mean
9+
Excellent
The crème de la crème of personal loans. These products offer the lowest cost loans accompanied by the best features.
7+
Great
Slightly higher in cost and fewer features, but these products are still competitive.
5+
Standard
Typically offering above average rates and possibly lacking in the features department.
0+
Basic
The least competitive in terms of both cost and features.
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How to apply for a Westpac personal loan
Applying online is a straightforward process. You'll need to meet general eligibility requirements including:
- Being at least 18 years of age
- Being an Australian citizen or a permanent resident of Australia
- Being in paid employment
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Can I get this money soon as possible?
Hi Amilagi, We’re a review site and not directly affiliated with Westpac, so we can’t provide an indication of turnaround times. Your best bet is to contact Westpac directly: 132 032.
Hi , I have a bad credit history and I want to borrow 5,000 so I have a family member with good credit history as a guarantor what are my chances.
Hi Vernon,
Every bank has their own set of criteria and your chances of getting loan approval depend on a number of factors, including your credit score, income, current debts and employment history. It may be worth contacting Westpac to discuss your situation and see what your options are.
You could also review this page for several options of lenders who specialise in working with those who have a poor credit history.
Hope this helps!
Hi.
I’m on a pension and have just finished paying out a high interest loan and have one default which was only $100 and was paid out as soon as I realised that I had it there. Now I’m finding it hard to get a loan of $10,000 over 4 years with the repayments less then what I have been paying for the last two years so I’m at a lost why I can’t get a loan as I’m getting $1,335 p/f do you know why I’m having trouble getting finance. Thanking you in advance
Hi Wayne,
Thank you for visiting Finder.
First, check your current credit score as it is one of the eligibility requirements that most lenders look into when they are making their decision in regards to your loan application. You may also request for your credit report to see if there are any wrong listings regarding your credit history or if you have any other default payments that you are not aware of.
In case that you have a poor credit score, it may be difficult to get approved for a personal loan. In most cases, lenders require good to excellent credit but do not lose hope. There are quite a few that will accept applications from people with bad credit, however, this can cost higher interest rates and poorer terms. Please refer to our list of bad credit personal loans to compare your options. Kindly take note that the lender’s approval will still depend on their assessment of your financial situation.
Lastly, you may use our personal loan calculator to know if the loan that you are applying for is the right one for you when it comes to repayments.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
I hope this helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
Hello.is it possible to get loan if i have 1 year working holiday visa?i came to Australia in 11th of January 2018 but i haven’t worked here yet.if its possible then what kind of amount of money i could get
Hi Andrei, thanks for your inquiry.
Can you confirm the code of your working holiday visa, so we can assist you further please?
Best,
Jonathan
I wish to apply for a $100,000 loan.
Hi Jerome,
Thanks for your inquiry.
If you are referring to Westpac’s personal loans, you may select your preferred loan to see more details, then you may select the ‘Go to site’ button to submit an online application through Westpac’s official site.
You can also have a look and compare your options on our $1000 loans page.
Cheers,
Rench