Consolidate debts, simplify paybacks

Roll all your debts into one debt consolidation loan and sort out your finances.

Apply now Calculate Loan


Calculate your debt consolidation loan, compare different loans and save your loan option via email for later.

Interest rates and fees

Unsecured personal loan (minimum amount $2,000)

As an example, if you borrow $5,000 over 5 years at 13.90% p.a., the total interest cost will be about $2,004. Our standard fixed interest rate of 13.90% p.a. gives you certainty of your rate. Know the rate you will receive before applying, rather than finding out once you submit an application.

A loan processing fee of $99 may apply. Rates and fees may change. Find out more about our rates and fees.

ASB no longer offers Secured personal loans to new customers. 

Does an ASB Debt Consolidation Loan work for me?

  • Once approved, you will receive our fixed rate of 13.90% p.a.
  • Make extra repayments online at any time, with no charges and no fees
  • Just 3 simple steps to get your money. Calculate. Apply. Get approved
  • Easily keep track of your personal loan online and in the ASB Mobile Banking app
  • Flexibility to choose your repayment term, from 6 months to 7 years
  • Take control, roll your debts into one and have one regular repayment
  • Apply to borrow any amount over $2,000 if you're over 18 and are a NZ Citizen

Applying for your personal loan online

01. Calculate

Decide how much you need and what your repayments would be.

02. Apply

Apply online if you are an ASB customer. If not you will need to contact us.

03. Get a decision

We'll give you a response and let you know next steps online immediately.

04. Get your money

We endeavour to put the funds in your account the same day you sign the documents.

Apply for an ASB Debt Consolidation Loan

Apply online

Ready for the next step? Get started today.

Apply online

Visit a branch or call

Visit us at one of our many branches, or call us on 0800 100 600.

Find a branch

We're here to help you

Interest rates and fees subject to change. ASB's lending criteria, terms and fees apply.

*Debt consolidation loans cannot be used to repay an existing ASB personal loan or repay loans from friends or family.

Personal Loans Debt Consolidation