Rating based on 26 reviews



  • Low-interest starting from 13.95%
  • Personal loans up to $50,000
  • Repayment up to 5 years

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Westpac homepage

Author Westpac. Screenshot of Westpac website. [Accessed May 23, 2018]

About Westpac

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.

Westpac Product Details

  • Loan Type Personal loans
  • Interest Rate 13.95 – 20% p/a
  • Loan Amount up to $50,000
  • Repayment 12 months to 5 years
  • Decision 48 hours

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.

Customer Reviews & Testimonials

February 2019

Westpac has an excellent loan service. Friendly and reliable loan service is just what I needed.

Thomas R
— Auckland —

March 2019

I applied online and within a few minutes, my loan was approved. I would recommend Westpac to anyone who needs a quick personal loan

Mel J
— Dunedin —

Westpac Contact Details

Contact Number


  • not available


Physical Address

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