Westpac Unsecured Personal Loan

Moneybuddy says

The Westpac Personal Loan can be used for a variety of purposes like debt consolidation, going on holiday, renovations at home, a stunning wedding or many other reasons. This is an unsecured loan with a fixed interest rate so you can be certain with your repayments. If the loan is for a car you can also look at the Westpac secured car loans. The loan term on the Westpac Personal ranges from 1 to 7 years.

The Basics

Interest Fixed

Security Unsecured

Personal loan type Personal Loan

Start rate p.a. from 12.99%

Comparison rate p.a.* 14.01%

Max. loan $50,000

The cool stuff: features

Loan insurance available? No

Repayment schedule Weekly or Fortnightly or Monthly

Online application Yes

Redraw facility No

Early repayment allowed Yes

Additional repayments allowed Yes

The Facts & Figures

Min. loan $4,000

Min. term 1 year

Max. term 7 years

The ugly stuff: fees

Signup fee 250.00

Exit fee $175

Monthly fee $10

Comparison Rate Disclaimer -

Early Repayment Fee -

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Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Westpac says

Enjoy certainty and control. Whether you're consolidating debt, booking a holiday, making household purchases, planning a wedding, or any other combination of purposes, a fixed-interest Personal Loan offers the certainty of knowing what your repayments will be.

Key features

  • Borrow between $4,000 and $50,000
  • Option to repay your loan faster when you have additional funds
  • Prepayment fee of $175 applies if your loan term is longer than 2 years, but is paid out within 2 years
  • Loan terms of 1 to 7 years to suit your budget.
  • Fixed interest rate for the life of the loan
  • $250 establishment fee
  • $10 monthly fee

Pros

  • Option to repay your loan faster when you have additional funds
  • Fixed rate interest so you know your repayments
  • Online application takes less than 10 minutes
 

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