Personal loan calculator.
Get an idea of how much you can borrow, what your repayments could be and how long it could take to pay off your loan.
This calculator is a guide only, It does not take into account your personal financial situation.
The current interest rate for all Westpac personal loans is 9.95% p.a.*
How it works.
Here’s an example: If you borrow $10,000 over 3 years at 9.95% p.a.*; with a monthly repayment of $326, the total amount you’d need to repay would be $11,724 (including a $100 p.a. establishment fee).
Applying for a personal loan: You can apply to borrow up to $50,000 unsecured – or maybe more, depending on your circumstances. Our standard loan terms run from 6 months to 5 years, but if this is not suitable, talk to one of our lending specialists to see if we can help.
Once you have applied, we won’t leave you waiting around. We'll usually be in touch within 48 hours.
Things you should know.
*Loan must be applied for and approved by 14 March 2021. Interest rate subject to change without notice. The Standard personal loan interest rate is 13.90% p.a.
This calculator is provided as a guide only. It does not take into account your personal financial situation or goals. You should make your own judgements, and seek independent legal and financial advice before committing to any loan agreements. The calculated figures are for illustrative purposes only and are based on the accuracy of the information entered. It does not constitute a quotation or offer of finance by Westpac.
Westpac’s eligibility criteria, lending criteria, terms and conditions apply. An establishment fee of $100 may apply. You’ll need to be 18 or older and a New Zealand citizen or permanent resident. If you’re not a New Zealand citizen or permanent resident but you’re working in New Zealand, or you don’t meet the other criteria, we still may be able to help.
Documents and fees.