Rating based on 84 reviews

ASB Personal Loan


  • Personal loans up to $40,000
  • Low-interest starting from 12.95%
  • Repayment up to 7 years

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ASB homepage

Author ASB. Screenshot of ASB website. [Accessed September 2, 2021]

About ASB

Since 1847, ASB has been developing and implementing solutions that enable people to the bank in a convenient and effective way. 

ASB is not just another bank, we are genuinely committed to helping our customers grow both financially and on a more personal level and it shows in the way we deal with our customers. 

Innovation is our top priority

Our main source of inspiration is the success of our employees and our customers. Every milestone which our customers reach is a personal success to us and the inspiration for us to do even better and go even further. This is perhaps the main reason why we have over 1.3 million individual, business and rural customers who take advantage of our banking and financial products and finance in NZ. We use our experience and expertise to deliver the best personal finance, vehicle finance, banking solutions and insurance among so many other products and services.

ASB Services

We offer loan top-ups, loan insurance and internet banking to make the borrowing experience a safe, secure and convenient one for all of our customers.

You can use ASB personal finance to seize an opportunity, buy a car, renovate the family home or resolve a financial issue like an excessive amount of personal debt or a temporary cash-flow shortage.

Fixed rates on all personal loans

We set a fixed interest rate and charge a once-off loan processing fee which makes our loans easy to predict and even easier to manage in the long term. If you borrow to finance the purchase of an asset like a motor vehicle, you can use it as security to get a lower interest rate.

A longer repayment term

A longer-term will make the periodic instalments smaller while a shorter term will help you save on interest. You can select between fortnightly and monthly payments, depending on your income and spending patterns. We encourage you to make use of the online calculator on our website to decide how much you want to borrow and for how long.

ASB Personal loan

  • Loan Type Personal loans
  • Interest Rate 12.95 – 17.95% p/a
  • Loan Amount up to $40,000
  • Repayment 6 months to 7 years

Benefits of ASB

  • Top up an existing loan
  • Make extra repayments without penalties
  • Use your loan to consolidate debts

ASB – Best Low-interest Rate Personal Loans NZ

For many years ASB Bank has been serving its valued customers with kindness, understanding, speed, efficiency and affordability.  

Should you need to buy another home or car or, pay off unexpected expenses, trust ASB Bank to offer only the best personal loans in NZ. In order to apply, you must be over 18 years old, hold a valid banking account where your monthly salary or wages are deposited, and be a resident of New Zealand. If you meet all these minimum requirements you can apply for one of our personal short-term loans.

The application process is simple

We require no security which allows those who do not own their own homes or vehicles to qualify for credit with us.  We can offer a fixed or a variable interest rate on our loans, contingent upon the repayment term that you opt for. The decision is yours. We will assist and advise you on the best quick loan to suit your individual needs as well as your current financial standing. 

Qualify for a Personal loan up to $40,000

With ASB Bank you can easily and quickly obtain between $3,000 and $40,000, to do whatever you like. We encourage responsible lending in our business, with our client's best interests coming first. We have only the most qualified and educated staff onboard our group, here to offer expertise and advice when you require it.

Our Personal loans are affordable

Our repayment plans are easy to afford, as we have a number of loan terms available depending on how much you borrow and how much you can afford to repay. We make it totally affordable to get a personal loan and still be able to afford your normal day to day living, without paying gigantic portions every week, month or fortnight.

ASB Contact

Enquire with our group of consultants anytime via email or telephone and we will advise you on the best options for your needs. Our simple online loan application permits you to apply online or through one of our advisors. At ASB we will help you find a loan easily by making it a little less demanding for our customers. Call us today and get the personal cash loan you have been waiting for.

Customer Reviews & Testimonials

ASB has wonderful consultants who are always happy to help, great experience.

Christa M.
— Dunedin —

The fixed-rate on loans makes it easier to determine your best loan term, liked the service.

Charlene B.
— Christchurch —

ASB Contact

Contact Number


  • not available


Physical Address

  • 300 Queen Street Auckland Central Auckland Region 1010 New Zealand
  • Get Directions

Postal Address

  • PO Box 35, Shortland Street, Auckland, 1140, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed