About our personal loans

Our personal loans are tailored to your needs. 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. What's more, we won't penalise you for early repayment.


Benefits at a glance

  • competitive interest rates starting from 13.95% p.a.
  • flexible loan payment options – no penalty for paying it off early
  • if you're approved, your loan can be in your Westpac account the following day
  • get what you need now and pay us back up to five years later (or longer depending on your circumstances)
  • borrow up to $50,000 unsecured (or maybe more depending on your circumstances)

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.

Apply online now

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
  • can apply to top up your loan at any time
  • can apply for loan repayment insurance which can give you peace of mind
Terms and conditions

View and/or download our terms and conditions for our personal loan account below:

View and/or download terms and conditions for all our consumer lending products here.