Once you apply for a personal loan online, we should be able to get back to you within five business days to talk you through your application. If your loan has been approved, the money can be in your Westpac account the following business day. You can apply online for your personal loan.

To apply for a personal loan, you must be 18 years or older and a New Zealand citizen or permanent resident with a Westpac transaction account. Eligibility criteria, lending criteria, terms and conditions apply.