Our personal loans are personalised to your needs. Funny that. With flexible repayment options, a competitive interest rate and the option of personal loan insurance cover, whatever you need a loan for, we’ll work with you to find just the right fit. Best yet, we won't penalise you for early repayment. *
Benefits at a glance
get what you need now and pay us back up to five years later (or longer depending on your circumstances)
flexible loan payment options – no penalty for paying it off early
fast application process – we can help you through the process
if you are approved, your loan can be in your Westpac account the following day
a single establishment fee of $250 – just add it to your loan balance
borrow up to $50k unsecured (or maybe more depending on your circumstances)
competitive interest rates
Simple loan management
With a Westpac personal loan you:
have the flexibility to make monthly or fortnightly repayments
can choose your term of payment anything up to five years (or up to ten years depending on your circumstances)
can talk to us at any time if your circumstance change, we’ll work with you to see if we can find a solution
View and/or download terms and conditions for all our consumer lending products here.
Ready to apply?
If you’re over 18, and live in New Zealand you could be eligible for a personal loan. You should also be an NZ Citizen or permanent resident however, if you are not but are working in New Zealand we still may be able to help.