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Student Lending

As a mutual everything we do is built on a commitment to our membership. That commitment is about maintaining rewarding relationships with our Members, and ensuring we partner with like-minded businesses that can enhance the services we offer. 

Our partnership with Westpac recognises this important role and provides Members with exclusive banking benefits.  

From a single branch in 1861, Westpac New Zealand now provides a full range of financial services for 1.3 million personal, institutional, business and agribusiness customers around the country. This means more than 150 years of continuous and loyal banking services to New Zealand communities.

Westpac works alongside MAS Members to provide relevant solutions and advice through their dedicated national team. 

Westpac Tertiary Pac

The MAS Student Lending Package (Tertiary Pac) offers students the opportunity to apply for an interest free overdraft on their Easy Access Account of up to $2,000 with a reduced Line of Credit Charge.

Full details

MAS Medical, Veterinary and Dental Students

In addition to the standard Westpac Tertiary Pac, additional benefits are available for Medical, Veterinary and Dental Students who are Members of MAS.

Additional Benefits

Additional $3,000 limit on the Tertiary Pac Overdraft

From the second year of study, students may apply for an overdraft of up to $5,000 limit on the Easy Access account. The facility is provided interest free with the reduced Line of Credit Charge as per the standard Tertiary Pac.

Student Creditline Overdraft facility

Students, with a co-borrower, may apply for an additional line of credit from their third year of study. Designed specifically with students in mind it might be used to cover your living costs, elective travel, or other expenses. The Student Creditline Overdraft Facility is simply an account with an overdraft facility. The separation of this facility from the Easy Access account provides visibility of borrowings distinct from your day to day spend.

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The Student Creditline Overdraft is provided at a preferential interest rate. 

To find out more about student benefits through the MAS Member Package with Westpac, contact your MAS Adviser or the dedicated team on 0800 627 722 or from overseas +64 9 352 2448 or +64 9 338 8448 or email For more information about Westpac products and services please visit

MAS Group receives revenue in the form of a commission from Westpac.

Westpac standard lending criteria, terms and conditions apply.

Terms, conditions, fees and charges apply to Westpac products and services. Interest rates are subject to change without notice.
The material contained in this document is provided for information purposes only and is not a recommendation or opinion in relation to Westpac Tertiary Pac or Student Creditline.

Westpac New Zealand Limited

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