Personal Loans

A loan you could use for a new car, travel, debt consolidation or a wedding. Whatever you need, an ASB Personal Loan could be an option.

Apply for a loan Top up your loan

Use this loan for almost anything

Car loan

Got your eye on some new wheels? Whether you are upgrading, or buying your first car, consider an ASB Car Loan.

Debt consolidation

Roll all your debts into one easy to manage ASB Debt Consolidation loan and get your finances organised.


Invest in your future. An ASB Personal Loan can help with the costs to get you started.

Home renovation

An ASB Personal Loan could help with the cost of that home renovation you’re planning.


Planning a holiday or a big overseas trip? Check out an ASB Personal Loan to help with the costs.


Start planning the budget for your big day.

Great reasons to choose our personal loan

  • Answers usually within 24 hours
  • Make extra repayments at any time with no charges and no fees
  • Loan terms from 6 months to 7 years
  • Top up your loan for something new


It's easy, get started today

01. Calculate

Work out how much you would like to borrow to reach your goal. Calculate your repayments over different timeframes for different amounts you could borrow.

02. Apply

Ready?  Simply complete your application online.   If you are a FastNet Classic online banking customer, apply here or call 0800 100 600. Check here for helpful information on your loan application.

03. Get approved

We’ll usually give you an answer within 24 hours and often we can give you an indication straight away.

04. Get your money

For unsecured personal loans, once your loan has been approved and you’ve signed the loan documents, usually we’ll put money in your account on the same day. You can also apply to top up or extend your loan if you need more at a later time.

Guides to get you there

Interest rates and fees

Secured personal loan
(minimum amount $20,000)
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 approximately $2,486.

We have a range of unsecured personal loan interest rates and the actual rate charged will depend on your financial circumstances. Find out more about our rates and fees. A loan processing fee of $99 may apply. A PPSR (security registration) fee of $25 will apply to all secured personal loans.

We're here to help you

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

ASBPersonal Loans