What do I need to apply for a personal loan?

Thinking of applying for a personal loan? Speed up your application process by knowing the documents you'll need ahead of time.

Identification for new customers

If you're already a Bankwest customer, you can skip this step.

Applying in store

Visit your local Bankwest store with an original or certified copy of one of the following:

  • One form of primary ID with a photo (i.e. passport or driver’s licence) or
  • Two forms of primary ID without a photo (e.g. birth certificate and government benefits card) or
  • One form of primary ID without a photo (e.g. birth certificate or Citizenship papers) and one form of secondary ID (e.g. a utility bill).


For more information, see a handy list of ID we’ll accept.

If you’re not near a Bankwest store just print our Personal Loan Identity Verification Form and take it to your local Australia Post Bank@Post outlet with your ID.

Applying online

If you’re applying for a personal loan online, you can use our electronic ID check.

Proof of income

Your current employment circumstances will determine what documents we'll need to see.

Primary income

Do you work for an employer? (PAYG)

You'll need to provide payslips from the last 45 days.

If you’re new to Bankwest, you’ll also need three months of your most recent consecutive bank statements. Statements must show:

  • account holder name
  • financial institution name
  • BSB and account number
  • transaction history
  • most recent salary credit which must be within 45 days from the application date.


If you’re already a Bankwest customer you’ll need at least three months’ salary history in your Bankwest account.

Do you own your own business or subcontract? (Self-employed)

We'll need to see two of your most recent Notices of Assessment from the Australian Taxation Office showing your earnings for these financial years. The notices must be from within 18 months of the application submission date.

Do you receive income from a...
self-managed super fund?

You'll need your personal tax return from the last financial year. This must be no more than 18 months old from the application submission date.

managed super fund?

You’ll need the most recent statement of your superannuation balance, including evidence of regular payments.

pension?

We'll need your most recent pension statement showing current payments.

rental property?

You'll need a current, signed rental tenancy agreement or a monthly rental income statement from your managing agent.

Refinancing

If you're refinancing debt(s) from another financial institution, you'll need to provide your most recent consecutive bank statements from the last three months for each debt being consolidated. We'll accept printouts from online banking. Your statement must contain:

  • account holder name
  • financial institution name
  • BSB and account number
  • transaction history.

Secured Car Loan

If you're applying for a Secured Car Loan, you may need to provide some extra documents once your loan is conditionally approved.

Dealership

If you plan on buying a vehicle from a dealership we'll need:

  • a signed contract of sale from the dealer. This contract must include the vehicle identification number (VIN), engine number and registration number.
  • your current motor vehicle insurance certificate. This must show Bankwest as the registered interest.

Private Sale

If you plan on buying a vehicle by private sale please provide:

  • a completed Bankwest Private Sale Disclaimer Form (PDF)
  • the signed Private Sale Disclaimer. This must include the VIN, engine number and registration number.
  • your current motor vehicle insurance certificate. This must show Bankwest as the registered interest.

Using your own vehicle as security

If you want to use your own vehicle as security for the loan, we'll ask you for your:

  • current vehicle registration paper. This must include the VIN, engine number and registration number. The vehicle must be registered in the state in which you live.
  • current motor vehicle insurance certificate. This must show Bankwest as the registered interest.

Ready to apply?

Start your application process for the loan that suits you.

What happens next?

If you're conditionally approved, we'll email you and ask you to provide your supporting documents.
You can bring the documents to a store or send them in to us. When sending documents you must quote your reference number, which you’ll receive during the application process.
Email: cpsplin@bankwest.com.au
Fax: 1300 724 962
Once we’ve received your documents we’ll validate your application. If we need more information we'll contact you.

Need more help?

Speak with someone from the team today.