Personal Loans

An ASB Personal Loan is simple and flexible. Whatever life throws at you, we can help.

Apply for a loan Calculate Loan

Our personal loan options at a glance

Apply for a Personal Loan

Simple and flexible. An ASB personal loan can be used for almost anything.

  • Get certainty of your repayments with our flat 13.90% p.a. fixed rate
  • Track your loan and make fee free extra repayments online or in the ASB Mobile Banking app
  • Get a decision fast, we’ll get back to you within 48 hours

Apply now Calculate loan

Request a loan top up

Have an existing personal loan with ASB and looking to make a new purchase or travel? We could help get you there. 

  • Top up to increase the amount on your existing ASB Personal Loan
  • Easily apply online or in the ASB Mobile Banking App

Top up loan Get in touch

Consolidate your debt

Take control with an ASB Debt Consolidation Loan, and roll all of your debt into one regular repayment.

  • Consolidate multiple debts into one and take greater control of your finances
  • Get a clear debt free date through regular fixed repayments
  • Remove uncertainty with our 13.90% p.a. fixed rate

Apply now Calculate repayments


Calculate your personal 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 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.

A loan processing fee of $99 may apply. Rates and fees may change. Find out more about our rates and fees.

ASB no longer offers Secured personal loans to new customers. 

What can I do with a personal loan?

Car loan

New wheels? No problem. We can put you in the driving seat.

Education Loan

Invest in your future, with our help to cover the cost of getting started.

Home Renovation Loan

Time for a kitchen or bathroom upgrade? Own that home improvement with ASB.

Travel Loan

Pay for your big upfront holiday costs and save your credit card for spending.

Wedding Loan

Put a ring around it. Give yourself an awesome day, without blowing your budget.

Does an ASB Personal Loan work for me?

  • Get certainty of your repayments with our flat 13.90% p.a. fixed rate
  • Make extra repayments online at any time, with no charges and no fees
  • Get finance for new and used vehicles
  • Just 3 simple steps to get your money. Calculate. Apply. Get approved
  • Easily keep track of your personal loan online and in the ASB Mobile Banking app
  • Flexibility to choose your repayment term, from 6 months to 7 years
  • Take control, roll your debts into one and have one regular repayment
  • 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 if you are an ASB customer. If not you will need to contact us.

03. Get a decision

We'll give you a response and let you know next steps online immediately.

04. Get your money

We endeavour to put the funds in your account the same day you sign the documents.

Apply for an ASB Personal 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.

*Debt consolidation loans cannot be used to repay an existing ASB personal loan or repay loans from friends or family.

ASBPersonal Loans