Rating based on 47 reviews

Westpac Loans


  • Short-term loans up to $50,000
  • Low-interest starting from 13.95%
  • Repayment up to 12 months

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Author Westpac. Screenshot of Westpac website. [Accessed September 2, 2021]

About Westpac

A lot of time has passed since our first banker rode on horses to serve the gold miners in Otago in the 1860s, but Westpac still has the same dedication to its customers.

We have always been among the leading banks in New Zealand in terms of innovation. Today, we offer the most modern and advanced solutions to our individual, business and institutional customers.

We have a large selection of financial products

As the second largest bank in the country, we offer one of the largest selections of credit products and services. From home loans and asset finance to speedy unsecured short-term loans, we have everything necessary to help individuals and families enjoy their preferred lifestyle. We offer tailor-made micro finance and investment solutions to individuals and businesses.

Westpac Services

The Westpac short-term loans offer great flexibility and lots of opportunities for repayment and saving.

We can provide up to $50,000 for a term of up to 5 years without the placing of security. In certain cases, we may be able to offer a term of up to 10 years.

We have some of the best interest rates in New Zealand

You can choose between fortnightly and monthly payments. If you pay off your loan early, we will not charge a penalty fee. You can top up the loan if your financial needs change. We have a single establishment fee of $250. We offer loan repayment insurance to give you complete peace of mind about the future. You simply need to talk to us and we will find a solution.

Westpac Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 13.95 – 20% p/a
  • Loan Amount up to $50,000
  • Repayment 1 months to 12 months

Benefits of Westpac

  • Flexible repayment options
  • Affordable short-term loans
  • Easy online application

Best Rate Short-term Loans at Westpac

We understand our clients' need for getting quick loans during tough times.

There are some months when we actually sit with our head in our hands, wondering how we will pay all the extra bills, school fees and other unexpected payments that come up when we least expect them to. This is part of life, and we understand how frustrating it can be.

The short-term loan solution

Westpac has the short term loan solution to assist you through the tough periods. When we receive your application, we don’t just look at your credit rating, we also look at a custom made solution, to ensure that you can comfortably afford to lend a specific amount, and pay it off easily.

We don’t want to add more debt into your life, we are here to help you, not snowball you in financial misery.

We also understand that everyone’s needs and financial situation are different. Some of us can afford certain instalment amounts which others cannot afford. Most of us have a number of financial obligations to meet every month, leaving us with not much left in our banking accounts for extra financial obligations to add to that.

Our short term loans are very affordable

Making it possible for anyone to afford the instalments on our fast, adaptable little cash offerings. Apply online today, get an approval of your application in hours, and have the cash within 24 hours, to do with as you want. Cover those niggling little debts that are cramping for lifestyle, and let us get you through any hard times.

We only need a few things to approve your loan

We need to know you are over 18 years old, permanently live in New Zealand, and earn an income – it doesn’t get easier than that!

Customer Reviews & Testimonials

Money paid over really quickly. Super friendly service!

Kieran McMahon
— Palmerston North —

I found the application form difficult to understand, but my loan was approved in a few minutes. I had the cash in hand the next day.

Radikah A.
— Auckland —

A speedy approval rate combined with a great payout in record time! Couldn’t ask for more, even if I wanted to!

Ayoub S.
— Wellington —

Westpac Contact

Physical Address

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