Consolidate debts, simplify paybacks

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

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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 16.45% p.a., the total interest cost will be about $2,486.

Your interest rate depends on your financial circumstances. A loan processing fee of $99 may apply. Rates and fees may change. A PPSR (security registration) fee of $25 will apply to all secured personal loans. Find out more about our rates and fees.

Does an ASB Debt Consolidation Loan work for me?

  • Answers usually within 24 hours
  • Make extra repayments online at any time, with no charges and no fees
  • Take control, roll your debts into one and have one regular repayment
  • Choose your repayment term, from 6 months to 7 years
  • You can choose your repayment amount by setting a longer or shorter term
  • Just 3 simple steps to get your money. Calculate. Apply. Get approved
  • 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. It's even faster if you're already with ASB.

03. Get approved

We'll let you know if you're approved in 24 hours or less.

04. Get your money

We usually put the funds into your account the same day you sign the loan 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.

Our unsecured personal loan interest rates can vary within a range of 12.95% p.a. to 19.95% p.a.

Personal Loans Debt Consolidation