Thinking of applying for a personal loan? Speed up your application process by knowing the documents you'll need ahead of time.
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What do I need to apply for a personal loan?
Identification
If you're already a customer, you can skip this step.
If you’re a new customer, we’ll need to verify your identity. You can confirm your identity:
- online by using our electronic ID check
- in person at a participating Australia Post outlet with a completed Personal Loan Identity Verification Form (PDF).
For more detailed information, see a handy list of ID we’ll accept.
Proof of income
Your current employment circumstances will determine what documents we’ll need to see.
Do you work for an employer? (PAYG)
If you earn PAYG income not paid into a Bankwest account you’ll need to provide two of your most recent consecutive payslips.
Do you own your own business or subcontract? (Self-employed)
- If your income is earned solely from your self-employed work, we need your Notice of Assessment from the Australian Tax Office.
- If your income is earned through multiple sources, we need your most recent Individual Tax Return.
Please note, we may also require further documentation as we assess your application.
Do you receive income from a…
Self Managed Superannuation Fund (SMSF)?
You’ll need to supply the most recent SMSF member benefit statement and a letter from your financial planner or accountant. The letter needs to confirm you’re receiving payments from the fund and show your balance, minimum payment amount, tax and tax free components, and ‘pension’ status.
Retail or industry superannuation fund?
You’ll need the most recent statement of your super balance, including evidence of regular and ongoing payments. Where the payment amounts are not shown, we’ll also need three months’ statements showing the credits to your bank account.
Pension?
You’ll need your most recent pension statement showing current payments.
Rental property?
You’ll need a current, signed rental tenancy agreement or a rental statement from your managing agent from the past two months where the property is already held.
Other income?
If your income is earned from any other source, please contact us.
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. The statements must show the:
- 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 or tax invoice showing 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 the:
- Current vehicle registration papers from the seller and the current payout letter (if they hold finance on the vehicle). This must include the VIN, engine number and registration number
- 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.
When you send your 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.