Rating based on 41 reviews


  • Short-term loans up to $50,000
  • Low-interest up to 10.95%
  • Repayment up to 5 years

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Author Westpac. Screenshot of Westpac website.
[Accessed April 17, 2018]

Westpac - Affordable loans

The fact that we are one of the oldest banks in New Zealand is not an award that makes us relax and not attend to our clients. It is more than enough motivation to keep us doing what we do best – giving customers great deals of finance.

After all, we are in the business of making customers see that money can work for them and not the other way around.

However, we are all subject to little bumps on the road that require us to ask for short-term loans just to help us pull through until our next payday. There is nothing wrong with requiring financial assistance from to time.

Together we can do more

We are of the philosophy that when you do things together as opposed to working alone, you achieve a whole lot more as you would have had you been working as an individual.

The initiatives that we have partnered with have taught us that the little that we do to pitch in goes a long way to the needy.

We take such partnerships quite seriously and anything that Westpac does to help is also an achievement to our institute.

Taking consideration of your financial position

The reason we need to check your financial standing is so that we can establish which personal loan option is the right one for you and for your monthly budget.

Westpac Services

Clients who are interested in our fast cash loan services can apply online through our banking website.

All the information you need as far as your loan application is stipulated online. However, you will need to complete an online application form and answer all the questions stipulated on the form. Incomplete loan applications will needs.

Westpac loan assessment and verification

There are a number of reasons why we have to verify online loan applications. For starters, we can’t give a customer who we can clearly see is battling to stay afloat.

There wouldn’t be any sense in putting more financial pressure in someone who is not in a position to take up a loan at the moment. Therefore, these are some of the things that we verify.

We also require certain documentation in order for us to conclude with our verification. Examples of documents required include a bank statement that is not older than 3 months, proof of address and identification.

The money will be deposited in your bank account

Once we are satisfied with all the documents you have furnished us with, we will require you to electronically sign for your short term loan and the money will be then making its way to your bank account. Depending on what time of the day you applied for credit, you may get your money on the same business day or the following day. However, although we try our level best to ensure that our customers a great value for their money.

Westpac – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 10.95%
  • Loan Amount up to $50,000
  • Repayment 6 months to 5 years

Benefits of Westpac

  • Repayment terms are flexible
  • No charges for additional payments
  • No penalties for early repayment

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Westpac - A wide range of loans to choose from

The fact that we are a banking sector has made us literally fall in love with punctuality. As such, we love people who decide to pay their short-term loans sooner than the actual payment date.

To us, that shows a great level of commitment from our clients and it will make it much easier for us to loan them next time. It will be good to know that there are no penalty fees for paying your loan earlier.

What if I can’t my loan on time?

If you can’t pay us on time, please contact us as soon as possible. Don’t wait for your scheduled day to come and we find out that you have known for a long time but you decided to keep quiet. Notify us on time and we will do our best to choose another payment date for you.

However, you will be liable for dishonesty fees that will be deducted from your bank account when you make the payment. As much as we understand that something happens that is beyond your control as a customer, if your profile continues to show red flags, it will be difficult to give you a new loan the next time you apply.

Loans available for school leavers and graduates

Westpac has realized that everybody has bills to pay. It doesn’t matter how big or how small but each and everyone has one or two constant things to pay off. Find out more information about this and you will be provided with more details about our credit offers.

Who can apply for a short-term loan at New Zealand?

Meeting the criteria is not difficult when you are a permanent resident or you have proof to be staying in New Zealand. We do not offer bad credit loans and all customers must meet our affordability requirements. Furthermore, customers need to be 18 years old in order to qualify. The customers need to be working and should be able to prove to us that he actually works where he says he does.

How long does it take before my loan is approved?

After you have applied for the short-term loan, Westpac will ensure that you get a response as soon as crystal.

Customer Reviews & Testimonials

They have helped me to get a loan and while they were at it they even helped me to get car insurance they told me I was paying too much and I got a cheaper option with more benefits.

David P
— Auckland —

The application is nice and quick to complete and when you are on the site you can get all the information you need to apply.

Abdul A
— Christchurch —

They do not judge you and that is what I like about them they take care of you and they ensure that you understand all of the information you will need to know for your loan.

Jack N
— Queenstown —

Westpac Contact

Physical Address

Postal Address

  • 53 Galway Street, Auckland, 1010, 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 Closed –
  • Sunday Closed –