Flexible Personal Loan

Manage your money your way with flexible repayments and a redraw facility. Plus, there's no security required.


Pay your loan off early

You can make extra payments and there's no early repayment fee.

Access surplus funds 24/7

Redraw online and on the go with the Bankwest App.

Repayment options to suit you

Choose the loan term - from one to seven years - and repayment frequency.

Is it right for you?

Our Flexible Personal Loan is great for taking a holiday, planning a wedding, consolidating your debt or renovating your home. Borrow from $5,000 to $50,000.


Rates and fees




Fixed interest rate

14.49% p.a.

Comparison rate

15.50% p.a.

Comparison rate warning 





Application fee


Monthly loan maintenance fee


Early repayment fee

Not applicable


Rates are subject to change. Other fees and charges may apply. A full list of fees will be included in your personal loan contract.

Comparison rate warning:
Comparison rate based on an unsecured personal loan of $30,000 over 5 years. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees, 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.

Representative example of total loan cost: For $30,000 borrowed over a 5-year term at 14.49% p.a. (15.50% p.a. comparison rate) the total amount payable is $43,292.95 including interest and fees. This example is an estimate only and assumes all repayments are made on time.

View our Flexible Personal Loan terms and conditions

Flexible Personal Loan terms and conditions:

Your personal loan contract is made up of the Personal Loan Schedule and the Personal Loan Terms and Conditions booklet (PDF).

Apply today

Here are your next steps...

Check your eligibility

  • People aged 18 years and over
  • Permanent Australian residents
  • Regular income of over $20,000 a year.

Note: Applications are subject to credit approval.


Things you need for your application

  • Photo identification, such as an Australian driver's licence or passport. Or see a handy list of other ID documents we’ll accept.
  • Employment details, including length of employment and employer contact numbers
  • Financial information including income (e.g. payslips), expenses and assets.

Find out more about what you may need to provide.

Already started? Resume your application.

Need help choosing a personal loan?

Speak with someone from the team today.