Unsecured Personal Loan
Whether consolidating your debt or renovating your home, our Unsecured Personal Loan could help.
- From
- 7.29%
- 8.69% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 7 years The rate displayed is the minimum rate for the product. For information on the full rate range, please visit the product page, contact us on 132 032 or visit your nearest branch. | 7.29% | 8.69% | 12–84 months |
| Fixed · 7 years The rate displayed is the maximum rate for the product. For information on the full rate range, please visit the product page, contact us on 132 032 or visit your nearest branch. | 22.19% | 23.48% | 12–84 months |
Fees
| Fee | Type | Amount |
|---|---|---|
| Loan Account Fee Charged monthly | Ongoing | $15.00 |
Lending Establishment Fee
| Upfront | $250.00 |
| Prepayment Fee Applies if you choose a term greater than 2 years and pay it out in less than 2 years. This fee is waived if you pay out your personal loan by refinancing to another Westpac personal loan | Exit | $175.00 |
| Missed Payment Fee | Late payment | $15.00 |
| Bank Cheque Fee | Event | $10.00 |
Features
- Cashback offer — 300.00
- $300 cashback energy upgrade offer on a new Unsecured Personal Loan. We?ve teamed up with Origin for quotes from Origin?s network of local approved installers. Accept your contract by 30 September 2026 for the $300 cashback. Eligibility T&Cs apply. Includes: $300 cashback offer from Westpac - Battery, solar, EV chargers and/or hot water heat pumps - explore offers and any available government rebates
- Pay your way - Match your pay day with weekly, fortnightly and monthly repayments
- Get a quote in under 5 minutes - Before you apply, check your repayments and get your rate without impacting your credit score.
- $0 extra repayment fee - Make extra repayments and get ahead of your personal loan. You?re in control with Westpac.
- Borrow up to $70,000 - Choose the loan amount you want between $4K - $70K
- Same-day funding - Once your loan?s approved, customers with an existing Westpac transaction account can access funds within an hour of contract acceptance*.
Eligibility
- Minimum age — 18 years
- Residency status — You're an Australian or New Zealand citizen or you have permanent residency in Australia and hold an acceptable visa
- You?re a non-resident or migrant and hold an acceptable visa with a minimum 1 year before expiry
- You have a regular, verifiable Australian taxable income
- You have a fixed, verifiable residential address in Australia.
Constraints
- Minimum limit — $4,000.00The minimum amount financed is $4000
- Maximum limit — $70,000.00The maximum amount financed is $70,000
- Minimum term 1 year
- Maximum term 7 years
More Information
Published by Westpac under the Consumer Data Right · Last updated 23 June 2026 · Product ID PLUnsecured · View on CDR.gov.au