Personal loan interest rates and fees

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Interest rates

Loan type
Fixed interest rates
Unsecured loan
Secured loan

Interest rates shown as at . Once a loan is documented the interest rate is fixed for the term of that loan.


Loan processing fee

This fee may be applied to a personal loan.

Personal property security registration fee

This additional fee applies to secured loans.

Personal loan default

Monthly unarranged overdraft fee

0.12% of the highest daily overdrawn balance (minimum charge $10).

Unarranged overdraft interest rate

Any default interest will be charged to your account monthly. This interest rate is variable and may change.

Unsecured and debt consolidation loans have a minimum amount of $2,000. Secured loans have a minimum amount of $20,000 and are subject to a personal property security registration (PPSR) fee.

Interest rates and fees current as at .

Interest rates and fees are subject to change. ASB's lending criteria applies.

Obtain a copy of the Personal Loan General Terms and Conditions here.

ASB no longer offers Secured personal loans to new customers.

Personal Loans Personal loan interest rates and fees