Rating based on 1,577 reviews
When you choose Westpac you're not just choosing a bank - you're choosing a partner for life.
We're one of the largest banking institutions in New Zealand and we offer financial products and services that are highly competitive in terms of rates, flexibility and innovation.
Speed, affordability and flexibility
Are you looking for a personal loan that offers you speed, affordability and flexibility? At Westpac, we meet all your needs by offering you a customized loan to meet your immediate and long term needs. You can now take out a loan and rest assured that you'll be able to repay it with small monthly instalments.
What Westpac can offer you
From home loans to everyday banking we're New Zealand's no.1 bank.
Apart from our great personal loan offerings, Westpac also offer home loans, car loans, business loans, credit cards and a whole array of other financial and banking services and products designed to get you where you want to go!
Our affordable personal loans
At Westpac, we offer quick loans of between $1,000 and $50,000 at an annual interest rate of 13.95% to 20% per annum. We offer loans term of 1 to 5 years and will tailor each loan to suit the customer's individual needs, income and budget flawlessly.
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In a Nutshell
- Average processing time 48 hours
- Online application
- In-store application
- Unsecured loan option
- Secured loan option
- Early repayment
At Westpac our loans are affordable and reliable
Although we're facing tough economic times Westpac is still able to offer customers low-interest rates and convenient fast loan features to help them reach their goals.
Using our loan calculator
We have a personal loan calculator available on our website which can help you choose a loan amount and a loan that suits you based on your disposable monthly income. We suggest you keep the loan term as short as possible so that you can save on interest and repay your loan faster.
Non-payment and financial difficulty
If for any reason you cannot make the necessary repayments on your long or short-term loan you must contact us immediately so that we can make alternative arrangements. If you do not you will incur nonpayment penalty fees and you will have this nonpayment reported on your credit file.
Using our loan calculator to find the perfect loan
We would like to like you to know that you have the ability to control how much you would like to loaned and how much you would like to pay back to the amount of time that you would be paying it back in. Yes, you have the power you can use our loan calculator until you find an amount that will suit you and your pocket. You will also be able to see what your interest rate will be on your loan.
Our rate and admin fees charged
Our loan rates are determined by the amount that you will be loaning the more you loan the higher your interest rate. You can pay your loan off from 6 months to 6 years we will make sure that we find the time period that suits your needs. There is an application fee of $100 this is will help us establish you as a new client and also get all your loan details sorted for you. Failing to pay your loan will get you a ten dollar fee added to the amount that you will be paying back per month.
We will have the loan for you
We pride ourselves on finding the loan that you need. We will go above and beyond to make sure that the loan you have taken will suit you and that you will find yourself paying the amount back with ease.
Eligibility & Requirements
- Stable address history
- Over 18 but under 65
- NZ resident
- Employed full-time
- Earning a stable income
- Credit check
- Good credit history
- Recent pay slips
- Bank statements
- Proof of address
Other Products & Services
- Bank Accounts
- Home Loans
- Credit Cards
- Personal Loans
Customer Reviews & Testimonials
Westpac has an excellent loan service. Friendly and reliable loan service is just what I needed.
— Auckland —
I applied online and within a few minutes, my loan was approved. I would recommend Westpac to anyone who needs a quick personal loan
— Dunedin —
- 0800 400 600
- 03 3132510
- 03 3134269
- 13/15 Ashley St, Waimakariri, Rangiora, 7400, New Zealand
- P.O. Box 934, Shortland St, Auckland, 1140, New Zealand
- Monday 09:00 – 16:30
- Tuesday 09:00 – 16:30
- Wednesday 09:00 – 16:30
- Thursday 09:00 – 16:30
- Friday 09:00 – 16:30
- Saturday 09:30 – 13:00
- Sunday Closed –