Personal Loans

ASB Personal Loans are simple and flexible. You can borrow any amount over $2,000, and there are no early repayment charges.

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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 touch within two business days to talk about your application.


    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 we’ll call within two business days.

    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 over 18 and are a NZ citizen or permanent resident 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

    Apply online

    Ready for the next step? Get started today.

    Apply online

    Visit a branch or book an appointment now

    Visit us at one of our many branches, or if you're an existing ASB customer, book a phone or in-person appointment through FastNet Classic Internet banking or the ASB Mobile Banking app.

    Find a branch

    We're here to help you

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

    ASBPersonal Loans