Westpac Personal Loans

Westpac offers a complete suite of personal and car loans. Interest rates depend on the product you choose and fees apply.

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By

Richard Fairbairn

Updated

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Westpac

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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.

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2 of 2 results
Checked 11 August 2026
$
years
Finder Score Interest rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
Westpac logo
Finder score
6.2 Standard
Westpac Unsecured Personal Loan
Fixed1 - 7 Years $4,000 - $70,000
Finder score
6.2 Standard
Interest Rate (p.a.)
7.29%
to 22.19%
Comp. Rate (p.a.)
8.69%
to 23.48%
Application Fee
$250
Monthly Fee
$15
Monthly Repayment
$953.05
View details
Compare product selection
Westpac logo
Finder score
4.4 Basic
Westpac Flexi Loan
Variable1 - 5 Years $4,000 - $50,000
Finder score
4.4 Basic
Interest Rate (p.a.)
18.99%
Application Fee
$150
Monthly Fee
$12
Monthly Repayment
$1,117.03
View details
Compare product selection
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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
You'll need to provide current address details and evidence of employment. Having a good credit history improves your chance of approval. Lenders often have additional requirements, which you'll be told during the application process.

Compare other products from Westpac

Sources

Richard Fairbairn's headshot
Assistant publisher

Richard Fairbairn is Finder’s associate publisher for personal loans. He has been helping people make better financial decisions for over five years. Away from his desk, Richard enjoys all things musical and camping, preferably both at once. See full bio

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26 Responses

    peter's avatar
    peterAugust 29, 2014

    hi i am on a dsp i get around 960pf before rent and bills/food so leave me about 450 something around there. now my question is i am going for my first time provisional license i am looking to borrow a $5000 loan to buy my very first car is there any bank or lending branch can offer me this sort of cash i can make per fortnight repayments no issue
    thank you

      Shirley Liu's headshotFinder
      ShirleySeptember 1, 2014Finder

      Hi Peter,

      Thanks for your question.

      We have a list of lenders offering Centrelink loans that may be able to consider you for a loan. Please use our table to know which lender suits you. 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.

      All the best,
      Shirley

    demet's avatar
    demetJuly 16, 2014

    I have a 160.000 cash and I am a disability pension single mum for 3 kids ages are 10,8,1 years old
    can I get home loan from Westpac and how much I can my fortnightly family and pension payments are all 1300.00
    please let me know

      Shirley Liu's headshotFinder
      ShirleyJuly 17, 2014Finder

      Hi Demet,

      Thanks for your question.

      You’ve come through to finder.com.au, is an online comparison service. We are not directly affiliated with Westpac and we don’t handle any applications.

      These types of applications are handled on a case by case basis, so it’s probably best to speak to the customer service team at Westpac to enquire about your eligibility.

      Cheers,
      Shirley

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