Rating based on 46 reviews

Westpac Personal Loan

  • Personal loans up to $50,000
  • Low-interest starting from 13.95%
  • Repayment up to 5 years

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Author Westpac. Screenshot of Westpac website.
[Accessed March 3, 2023]

About Westpac

At Westpac, we have always been innovators. We were among the first to use telephones and typewriters to serve our customers back in the late 19th century.

Now we offer premier online banking and mobile online banking services to our customers throughout New Zealand. In addition to using the latest technology to serve our customers, we have always offered advanced and flexible banking and personal loans.

A range of loan options to choose from

We provide personal and business loans, home loans, asset finance, credit cards, investment programs and insurance plans. We help our clients build their future by providing the professional support which they require. We are currently the second largest bank in the country and we continue to grow thanks to our passion for innovation and for serving people in the best possible way.

Westpac Services

Westpac's personal loans are designed to your individual needs.

You can borrow up to $50,000 without security

We are able to extend even more in certain circumstances. We offer competitive interest rates and a single one-off establishment fee of $250. We offer flexible repayment options and we do not charge a penalty for paying off the loan early.

We have a fast application process

If you are approved, you can have the quick online loan in your Westpac account on the very next day. If your circumstances change, we will work with you to produce an effective solution. You can opt for repayment insurance for complete peace of mind.

Westpac – Personal loan

  • Loan Type Personal loans
  • Interest Rate 13.9520% p/a
  • Loan Amount up to $50,000
  • Repayment 12 months to 5 years

Benefits of Westpac

  • Flexible repayment options
  • Easy online application
  • Top up your loan when needed
  • Use your loan to consolidate your debt

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Westpac offers personal loans to help you get over any financial hurdles

We are a certified and accredited loaning firm, and offer responsible lending terms and advise to our clients from our team of experienced and passionate consultants.

We empower our clients through our experience and skill, how to deal with their loans and financial situations. We offer low interest personal loans that can help you with getting over those financial and debt hurdles, by offering you a single loan, to use as you please. Pay off one loan at a reduced rate, and pay off all those niggling little debts you have.

Pay for all those bills that have been piling up

Repair the hole in your roof or simply go on a well-deserved holiday. So when you need a quick cash boost, we can offer you some assistance with getting it. There are numerous individuals needing personal finance in New Zealand, that don't generally meet the criteria required at significant banks and larger establishments.

They will be turned down with even a minor dark detriment for their financial assessment. We plan to help all clients regardless of their financial status, for the money related intentions to offer them some assistance with getting financially back on their feet. Upon the receipt of your loan application on our online platform, one of our experienced advisors will be in contact with you to examine the sum we can offer you as a personal cash loan, and the repayment terms.

The whole process is amazingly quick and takes no more than a couple of days

When you have your pre-approved notification from us we will forward you your agreement. This can be sent to you to look over and keep for your own records. To make a decision on what amount you require as well as agree on the instalment terms, we offer our customers concrete and valuable advice.

Customer Reviews & Testimonials

I have been a Westpac client for many years and their service is what keeps me coming back.

Erin C.
— Christchurch —

Life happens and you just need a helping hand, Westpac has given me that in the form of an affordable personal loan. I highly recommend them.

Alice H.
— Dunedin —

Westpac Contact

Physical Address

  • 4 Baxter Street, Warkworth Auckland Auckland Region 0910 New Zealand
  • Get Directions

Postal Address

  • 53 Galway Street, Auckland, 1010, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed