Westpac Unsecured Personal Loans

This offer is not available for joint applications. So if you are looking to fund renovations, go on a holiday or moving all your debts to one loan. Then a Westpac Unsecured Personal Loan might be suitable for you.

Interest Rate - Fixed
12.99 % p.a.
Establishment Fee
Monthly Service Fee

Looking to fund a project or consolidate debts?

Apply for a new unsecured personal loan from Westpac. Single applications only.

  • Interest Rate
    12.99% p.a. fixed
  • Comparison Rate
    14.14% p.a.^
  • Establishment Fee
  • Prepayment fee (if term is longer than 2 years and you pay it out before)
  • Monthly Service Fee
  • Missed Payment Fee
  • Declined direct debit fee
  • Information Fee

Secure online application

  • Clicking the Apply Now button will take you to your Online Application on the bank's website.
  • Your application will take less than 10 minutes to complete

Some Benefits of Westpac Unsecured Personal Loans

  • Establishment fee


  • Flexible Repayments

    Choose the frequency of your repayments to suit when you get paid (weekly, fortnightly or monthly) as long as you pay your loan back within 1 to 7 years

  • Make extra repayments

    Make extra repayments to repay your loan faster. If you choose a term greater than 2 years, and pay it out in less than 2 years, there is a prepayment fee of $175. This fee is waived if you pay out your personal loan by re-financing to another Westpac personal loan

  • Loan terms

    Flexible loan terms from 1 to 7 years. Borrow between $4,000 and $50,000 (conditions apply)

  • Refinance existing debt

    You can refinance an Australian, non-Westpac Personal Loan, credit card or store card.

Other Pros

  • Apply online in less than 10 mins and you could access funds in an eligible Westpac account, within 60 mins of final approval, 24 hours a day, 7 days a week as an existing customer
  • A fixed interest rate of 12.99% p.a. (comparison rate of 14.14% p.a.^) available for new loans only


  • $250 establishment fee
  • $12 monthly service fee

Westpac Unsecured
Personal Loans

Apply now

How to apply for a Westpac Unsecured Personal Loan

If you are interested in applying for a Westpac Unsecured Personal Loan, then it is as easy as clicking the 'apply now' button to be redirected to the online application form. Take a look at the application criteria and what you will need to apply:

Application criteria

Make sure you meet the following criteria before you apply:

  • Aged 18 years or over
  • Regular permanent income
  • You need to be a permanent resident of Australia or,
  • Non-residents: need to hold an acceptable visa and have confirmed employment in Australia.

Required information

  • Identification
  • Financial information, including details of your existing financial commitments
  • Income and employment details

If this loan sounds like it is right for you, hit the 'apply now' button to get the application process started.

Westpac Unsecured Personal Loans