What do I need to apply for a personal loan?

Find out what information and documents you'll need to complete your personal loan application.

What do I need to apply for a personal loan?

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0800 177 277

In the application we’ll ask you a few questions about your finances and personal details.

Once you’ve completed the application, we’ll also need to see some documents, as listed below. For those of you applying on-line, we’ll contact you about the best way to get these to us.

1. Identification

Click here for a list of acceptable verification documentation.

2. Proof of your income

If we can see income deposits into your Westpac account this may be all we need. Otherwise we’ll need one of the following:

  • a recent bank statement showing your last three consecutive income deposits; or
  • a current payslip showing your annual income or your last three consecutive payslips; or
  • an original, signed and current letter from your employer confirming your income details and term of employment

3. Other loan statements

If you are refinancing existing debts we will want to see your bank and/or finance company original statements showing repayments for the last 3 months.

Non-Westpac customers will also need to supply:

Proof of your current address     

Click here for a list of acceptable verification documentation.

Some banking history     

We'll need to see bank statements for the last 3 months. If you have online banking you can print those off when you visit us in the branch.

This information is a guide only. It does not take into account your personal finance situation and goals. Applications for finance are subject to Westpac's applicable lending criteria. An establishment fee 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 Repayment insurance 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. Westpac Life-NZ-Limited complies with the practice standards of the Investment Savings & Insurance Association of NZ Inc. and a copy of its latest financial statements is available from Westpac House, 318 Lambton Quay, Wellington. You have the right to receive a 'replacement of business' advice when changing from one policy to another. Westpac employs salaried employees whos renumeration is influenced in the long term by the arrangement of Westpac Life-NZ-Limited Insurance policies. Westpac will receive commission payments as a result of the arrangement of Westpac Life-NZ-Limited Insurance policies.

Westpac Life-NZ-Limited has an AA- Insurer Financial Strength rating given by Standard & Poors (Australia) Pty Limited on 6 August 2013. The rating scale is: AAA Extremely Strong, AA Very Strong, A Strong, BBB Good, BB Marginal, B Weak, CCC Very Weak, CC Extremely Weak, SD or D Default, R Regulatory Supervision, NR Not Rated. Plus (+) or Minus (-) following ratings from ‘AA’ to ‘CCC’ show relative standings within the major rating categories.