The Westpac Car Loan.

Enjoy conditional approval in minutes.

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The Westpac Car Loan.

Enjoy conditional approval in minutes.

Get your dream car sooner with a new Westpac Car Loan.

  • Borrow between $10,000 and $100,000 for a loan term of 1 to 7 years.2
  • Conditional loan approval could be received in minutes with just one phone call, or within 24 hours when you apply online or at the branch.
  • Protect yourself against changing interest rates with fixed minimum payments, that won't change for the life of the loan.
  • Choose the frequency of your repayments to suit when you get paid (weekly, fortnightly or monthly).
  • Make extra repayments when you have additional funds to repay your loan faster (prepayment fee applies). 2

The Westpac Car Loan.

Details you need to know.

Fees and charges Amount
Establishment fee3 $250
Monthly service fee $10
Prepayment fee3 $175

(Applies if you choose a term greater than 2 years, and pay out the loan in less than 2 years. Fee is waived if you pay out your personal loan by refinancing to another Westpac personal loan.)

The Westpac Car Loan.

Rates as attractive as your dream car.

Loan Fixed Fixed Interest Rate Comparison Rate
Car Loan 9.99% p.a.* 11.03% p.a.1

The Westpac Car Loan.

Competitive car insurance with great features.

  • For peace of mind, you can choose between two levels of cover: Comprehensive Insurance or Third Party Property Damage and Bodily Injury cover.
  • Choose between the market value and the agreed value.
  • Lifetime guarantee on repairs.
  • New car replacement within 2 years of original registration.4
  • Emergency claims assistance, 24/7.
  • Pay by the month at no extra premium.

The Westpac Car Loan.

Am I eligible?

To be eligible to apply for this Westpac Car Loan, you must:

  • Be a permanent resident or citizen of Australian, aged 18 years or over, with a regular permanent income.

If you're unsure whether you meet the above criteria, you can call our Personal Lending Centre on 132 651 to discuss.

What information do I need?

When completing the application, you will need to provide:

  • Your current Australian driver's licence details (if you have one).
  • Details of your current financial situation.
  • Your contact details including email address.

We may use the contact information that you give us to contact you to help you complete your application.

How can I apply?

Online - Apply online it usually takes less than 10 minutes.

Over the phone by calling 1300 720 697 (8am-8pm, 7 days a week) from anywhere in Australia. We give conditional approval immediately and a final decision as soon as we receive all required information.

Please note:

This loan must be mainly for personal use. To find out more about business loans, call Westpac Business on 132 142 (8am-8pm, Monday to Friday).

What happens next?

If you're approved, then:

Online applicants receive a reference number. Your contract documents and instructions will then be sent to your nominated email address or a personal loans specialist will contact you if further information is required. Once completed, funds are either credited directly to your account or sent to you by bank cheque.

Phone applicants discuss requirements with a personal loans specialist, provide documentation and confirmation as needed, and then nominate to receive document via email or post. Your contract documents and instructions will then be sent to your nominated email or postal address. Once completed, funds are either credited directly to your account or provided by a bank cheque.

You can easily check the status of your application by calling 132 651 (8am-8pm, 7 days a week) from anywhere in Australia and speaking with one of our representatives.

Fixed interest rate

9.99% p.a.

Comparison rate

11.03% p.a.1

Use the sliders to estimate your repayments in line with our current interest rate.

Estimated value of car

Loan Amount

Terms (years).

Your weekly repayments.5


Choose your repayment frequency


Best Personal Loans Westpac have been voted Best Personal Loans provider in the 2012 Mozo People's Choice Awards - the first banking awards decided by real customers. This year more than 25,000 banking and insurance customers from around Australia contributed by rating their preferred provider online.
Things you should know


Things you should know

Fees, charges and credit criteria apply. You can either purchase or refinance a new or used car, provided that the car has been imported to Australia by the manufacturer. Before making a decision, read the terms and conditions available at request.

Westpac Car Insurance is issued by Vero Insurance Limited ABN 48 005 297 807 and arranged by Westpac Banking Corporation ABN 33 007 457 141 Australian Credit Licence 233714 (the Bank). This information does not take into account your personal objectives, financial situation or needs. This policy is not an investment in nor deposit with the Bank and neither the Bank nor any other member of the Westpac Group guarantees this insurance. This insurance is subject to conditions, limits and exclusions on cover, which are explained in the Product Disclosure Statement and policy wording (PDS). Before making a decision about this insurance, you should consider the PDS and whether it is appropriate for you. Obtain a copy of the PDS by calling 1800 805 458.

  1. The comparison rate is based on a 5 year secured car loan for a loan amount of $30,000. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
  2. Our Car Loans have a standard term of 1 to 7 years. If you choose a term greater than 2 years, and pay it out in less than 2 years, there is a prepayment fee of $175. This fee is waived if you pay out your personal loan by re-financing to another Westpac personal loan.
  3. This fee will be added to your loan amount.
  4. If total loss.
  5. The results of this calculator are for general information only and are based on the information you have provided. The repayment amount provided by this calculator is an estimate only and does not constitute a quote or loan offer. The repayment figure is based on a fixed interest rate of 9.99 % p.a. ( 11.03 % p.a comparison rate 2 ) and includes $250 establishment fee and $10 monthly service fee. Repayment figure excludes government fees, stamp duty, registration and compulsory third party insurance and any other fees or charges which may be payable.

© 2014 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.