Personal Loans 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.

Personal Loans Interest Rates & Fees

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 27 July 2014. All rates are subject to change without notice.

Personal loans - Interest rates
Rate optionRate
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/managing-your-money/your-life-stage/students-and-grads/">Graduate Pac</a> criteria 14.00% p.a.

Fees for your personal loan

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