Interest rates & fees

Our personal loan interest rates are really competitive and with no early repayment penalties, there's really nothing stopping you!

Rates are floating so may change during the term of your loan. If they do we will let you know how much more or less your repayments will be.

Or give us a call on

0800 177 277

Interest rates for your personal loan

Here's a summary of our current rates and fees as at 19 May 2013. All rates are subject to change without notice.

Rate option	Rate
Personal loans - Interest rates
Existing Westpac customers Any customer who has been with Westpac for more than 3 months	up to 17.95% p.a.
New customers, $10,000 and over	up to 17.95% p.a.
New customers, less than $10,000	up to 18.95% p.a.
Secured Loan	up to 16.25% p.a.
Graduate Loan Subject to <a href="http://www.westpac.co.nz/money-packs/tailored-packs/students-and-grads/">Graduate Pac</a> criteria	14.00% p.a.

Fee type	Fee amount
Personal loans - Fees
Establishment and documentation fee	$250 per loan
Loan payment failed fee	$25 per time