Westpac Car Loan

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

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.

Don't bother I guess – Well, I'm a loyal wespac customer for years. We needed to buy another car. So we though we'll go to our beloved bank to get a loan. Wow what a mistake that was. Ok this is what happened.. I enqiered about a car loan at a 'friendly' help desk, the first question I was asked what kind of car I was going to buy (really is that what they need know… Read more

first?) ok I said it was Toyota corolla, he asked brand new or second hand? Second hand I replied. Then he turned his computer screen towards me and went onto wespac website to show loans details. I explained to him that I already went through the details and happy to apply for a loan. Then he started reading of the screen the details about the loan anyway. Ok I passionately waited and in the end he said that I should do it over the phone. Sorry westpac I won't be asking for a loan from you afterall.