Our personal loan at a glance
No matter what you need a personal loan for, we have one easy solution to keep things simple. You could use this to do things like:
If you're an existing customer, you can easily apply online. Our team will be in contact within the next week to talk about your application.
Calculator
Calculate your personal loan, compare different loans and save your loan option via email for later.
How to apply
01. Calculate
Decide how much you need and calculate what your repayments would be.
02. Apply
Apply online if you are an ASB customer. If not, learn how to join ASB here.
03. Get a decision
You'll receive a notification on your FastNet Classic internet banking or ASB Mobile Banking app and our team will be in contact within the next week to talk about your application.
04. Get your money
We endeavour to put the funds in your account the same day you sign the documents.
Does an ASB Personal Loan work for me?
- Get certainty of your repayments with our flat 13.90% p.a. fixed rate
- Flexible repayment options - make extra payments online at any time, with no early repayment charges or fees
- Get car loans for new and used vehicles
- Apply to borrow any amount over $2,000
- Easily keep track of your loan balance online and in the ASB Mobile Banking app
- Flexibility to choose your loan term, from 6 months to 7 years
- Take control, roll your debts into one and have one regular repayment
- You are 18 and over, are a NZ citizen, permanent resident or have a work visa, and earn over $20,000 per year
Have a look at what we consider while assessing applications.
Interest rates and fees
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.
ASB's lending criteria apply. A loan processing fee of $99 may apply. To learn more on rates and fees, visit our personal loans rates and fees page.
Apply for an ASB Personal Loan
If you're unable to apply online, please call us on 0800 100 600.
We're here to help you
Frequently asked questions
Manage your loan
Interest rates and fees subject to change. ASB's lending criteria, terms and fees apply.