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Sep 28, 2017 - 34 minute read

Westpac personal loan form

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Westpac personal loan form

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Westpac personal loan form

We understood that short-term, high-interest loans of the type promoted in the ad were primarily of benefit to those in need of money to cover occasional unexpected shortfalls between paydays, and were not intended as a solution to wider financial problems. Although we were satisfied that westpac personal loan form reference later on in the ad to the loans as being suitable for those "experiencing one of life's little ups and downs" accurately reflected the main purpose of the credit product on offer, we considered that that was not sufficient to counteract the impression given elsewhere in the ad that payday loans of the type promoted were a suitable method of addressing wider financial difficulties.

We therefore concluded that the ad was irresponsible. On that point, the ad breached BCAP Code rule 1. 2 1. 2 Advertisements must be prepared with a sense westpac personal loan form responsibility to the audience and to society. (Responsible advertising). We noted that, under Regulation 6(1)(b), credit ads must specify an RAPR if they included any incentive to apply for credit or to enter into an agreement under which credit was provided, and that that RAPR should be given greater prominence than the incentive (Regulation 6(2)).

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