Personal loan interest rates and fees
Rates, fees and charges may change
Interest rates
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Loan type
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Fixed interest rates
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Unsecured loan
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Secured loan
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Interest rates shown as at . Once a loan is documented the interest rate is fixed for the term of that loan.
Our unsecured personal loan interest rates vary within the above range starting from 13.95% p.a. To determine your interest rate we look at things such as your income and expenditure, your ASB account history (if applicable) and your credit check.
Fees
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 or copy of the Personal Loan Facility Agreement for Secured Personal Loans.
