About Westpac

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.

When you choose Westpac you're not just choosing a bank - you're choosing a partner for life.

Speed, Affordability and Flexibility

Are you looking for a personal loan that offer 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 installments.

What Westpac can offer you

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!

From home loans to everyday banking we're New Zealand's no.1 bank.

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 customers individual needs, income and budget flawlessly.

In a Nutshell

  •  Loan minimum NZ$1,000
  •  Loan maximum NZ$50,000
  •  Interest rate From 13.95% to 20% per annum
  •  Loan term minimum 12 months
  •  Loan term maximum 5 years
  •  Average processing time 48 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option
  •  Early repayment

Get an Affordable Personal Loan from Westpac

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.

Eligibility & Requirements

  •  Stable address history
  •  Over 18 but under 65
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  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
  • Insurance
  • KiwiSaver
  • Investments

Here’s a short video about Westpac

Contact Details

  •  0800 400 600
  •  03 3132510
  •  03 3134269
 Visit Website


 Physical Address

  • 13/15 Ashley St, Waimakariri, Rangiora, 7400, New¬†Zealand

 Postal Address

  • P.O. Box 934, Shortland St, Auckland, 1140, New¬†Zealand

Opening Hours

  •  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 –