Best Westpac Car Loans in Western Australia Perth

Title: Conditional approval stalled (Case #8107559940) – ignored emails, impossible document request & no phone support We are existing Westpac… Read more

customers with an active home loan, and until very recently we were in the middle of a Westpac car finance application for a new vehicle purchased from a licensed dealer, under Case Number: 8107559940. The experience has been extremely disappointing and ultimately forced us to abandon the finance process altogether.

We received conditional approval on 6 January 2026. On the same day, we immediately supplied every document requested, including the dealer invoice / contract of sale, which Westpac had confirmed over the phone was the final required step.

After this, we were contacted and asked to provide registration (rego) papers. For a new car purchase, this is not possible — dealers do not issue rego papers until the day of vehicle delivery, once the vehicle is 100% paid or financed. This was clearly and professionally explained to Westpac in writing.

That response email was then completely ignored for over two business days. No acknowledgment, no clarification, no follow-up.

During this time, we made multiple attempts to call Westpac to resolve the issue. Each call involved being placed on hold for close to an hour, with repeated automated messages stating “you are next in line” — yet no one ever answered. After waiting excessive periods, the calls had to be abandoned.

This left us in an impossible position:

Westpac was requesting documents that cannot exist yet

The dealer could not release the vehicle without finance

Westpac would not progress the finance without documents only issued after finance completion

This is not an unusual scenario — it is a standard new-car purchase — yet no one at Westpac appeared willing or able to take ownership of the issue.

As a direct result of the lack of response, unanswered calls, and stalled process, we were ultimately forced to pay cash for the vehicle in order to proceed with delivery.

We are posting this review to formally highlight a breakdown in Westpac’s car finance process and communication, particularly concerning how existing customers are treated, and to request acknowledgment and escalation of this matter. If Westpac reaches out to address what went wrong under Case #8107559940, we are happy to update this review accordingly.

For a major Australian bank — especially one we already trust with our home loan — this level of service is unacceptable.