About personal loans

Information about the features and benefits of personal loans, including how long the application process will take.

Apply online for a personal loan now

Apply for a personal loan

Apply for a personal loan icon Ways to apply for a personal loan
  > apply online
  > download application form
(PDF 73Kb)
  > visit your nearest Westpac branch
  > phone 0800 177 277
(Monday to Friday,
8am to 8.30pm;
Saturday
9am to 3pm)
  File won't open? You need Adobe Acrobat Reader.

Personal loan info

Personal loan info icon Get more info on:
  > interest rates
  > personal loan calculator
  > loan repayment insurance
  > information needed for a loan application

Contact us

Email us icon Contact us now:
  > email us
  > Westpac branches
  > phone 0800 177 277(Monday to Friday 8am to 8:30pm,
Saturday 9am to 3pm)

Features and benefits of a personal loan
  • borrow up to $50,000
  • consolidate your debts into one personal loan
  • your choice of loan term, up to 5 years
  • fortnightly or monthly loan repayments
  • no penalties for paying off your personal loan early
  • optional loan repayment insurance
  • apply to top up your loan at any time.
> more about Westpac loan repayment insurance
When would a personal loan be useful?
You might want a personal loan to  
  • buy a car
  • pay for your dream holiday
  • do home renovations
  • finance your wedding
  • consolidate debt
  • finance other large purchases or events.
How long will your online loan application approval take?
Apply online and we'll get back to you within the next two business days.  
Once your loan has been approved, the money can be in your Westpac account the following day.  
> apply online for a personal loan  
> personal loan interest rates  
Applications for finance are subject to Westpac's applicable lending criteria. An establishment charge may apply. Terms, conditions, exclusions and limits apply to Westpac Loan cover. More details of this and the underwriter can be found in the relevant policy document.
Westpac Loan Cover is underwritten by Westpac Life-NZ-Limited, a wholly owned subsidiary of Westpac Financial Services Group-NZ-Limited. Westpac Life-NZ-Limited is a wholly owned subsidiary of Westpac Financial Services Group-NZ-Limited, which is a wholly owned subsidiary of Westpac Banking Corporation ABN 33 007 457 141, incorporated in Australia. Westpac Banking Corporation does not guarantee the obligations of, or any products issued by Westpac Life-NZ-Limited, but will always meet its obligations to you under the Consumer Guarantees Act 1993.The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification.
Copyright©2008 Westpac New Zealand Limited