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It does not matter what types of personal debts you have and which your creditors are. With our debt consolidation solution, you will have just a single regular loan payment.

You can choose from monthly, fortnightly and weekly repayment structure. You can get an optional credit line on your home loan.

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As well as the interest rate savings you make, you‘ll reduce the hassle of making those multiple repayments by replacing them with a single, regular loan repayment - weekly, fortnightly or even monthly. For more information, read up on Consolidating debt.

Before you act on this information you should seek independent legal and financial advice.

Terms and Conditions apply and are available on request.

Whatever your needs, wants or goals we can help you achieve them with a Westpac Personal Loan.

From getting on top of debt to purchasing a new car or making your dream wedding a reality, we could have a tailored solution to suit you. It does not take into account your personal finance situation and goals.

Our personal credit products range from short-term unsecured loans and vehicle finance to home loans and debt consolidation loan.

Business customers can select from a wide rang of customisable solutions. You can wrap all of your outstanding debts and make a single payment every month with a debt consolidation loan.

Westpac’s current personal loan lending criteria, fees and interest rates apply to all applications for credit, all of which are subject to change. You’ll need to be 18 or older and a New Zealand citizen or permanent resident.

If you’re not but you’re working in New Zealand, or you don’t meet the other offer criteria, we still may be able to help. The annual interest rate is made up of a base rate of 14% p.a.

Note: The results from this calculator should be used as an indication only.

Results do not represent either quotes or pre-qualifications for the product.

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