HomePersonal LoansWestpacUnsecured Personal Loan

Westpac Unsecured Personal Loan

The Westpac Unsecured Personal Loan offers rates from 7.49% p.a. (8.68% p.a. comparison rate*). on loans of $4,000 to $50,000.


Updated 10 July 2025


Fact checked and verified. Updated 10 July 2025
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Expert Review

The Westpac Unsecured Personal Loan features a fixed interest rate between 7.49% and 20.49% p.a. The comparison rate ranges from 8.68% to 21.61% p.a.. This loan offers predictable repayments over terms of 1 to 7 years. Borrowers can apply for amounts from $4,000 up to $50,000. It suits various financial needs and does not require collateral. An establishment fee of $250 is charged at the start. There is also a monthly fee of $12. Additionally, a loan closure fee of $175 may apply.

This loan suits individuals looking to consolidate existing debts. It is also great for those planning home renovations or financing travel. Borrowers value the stability of fixed repayments. Additionally, applicants can receive same-day loan funding. This allows timely access to funds when needed most. The product combines flexible terms with prompt financing. It is a practical option for managing personal financial goals efficiently.

Product Details
Fees

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$250 establishment fee

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$12 ongoing monthly fee

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$175 early repayment fee may apply

Other fees may apply.

Rates

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Fixed rate from 7.49% to 20.49% p.a.

Loan Amount

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From $4,000 to $50,000

Loan Terms

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1, 2, 3, 4, 5, 6 or 7 years

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Unsecured loan

TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the Westpac website.

More information
The comparison rates on this page are based on either a $30,000 loan over 5 years, or a $10,000 loan 3 years, as indicated with each rate. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees or loan amounts might result in different comparison rates.
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