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 March 3, 2023]

About ASB

Since 1849, ASB has been implementing service solutions that enable people to bank conveniently and effectively.

ASB goes beyond just providing financial services: They genuinely want their customers to grow financially so they can better their personal lives

The company created an online platform where clients can apply for loans in a few minutes- any time of the day, from anywhere in the world. Using this platform, they were able to help 1.3 million individuals, businesses, and rural customers receive financial solutions.

Get access to a wide range of financial solutions

ASB Bank is well-known for its low rate personal loans, vehicle finance, banking solutions, and insurance. All clients who need help with any of these products, or want to inquire about any other service, can inquire online about what ASB product matches their needs.

ASB Calculators and tools

ASB provides clients with handy calculators and tools, so they can find a loan that suits their needs. With their personal loan calculator, clients can find a solution that works how much they can borrow and how quickly they can pay it off. The debt consolidation calculator shows clients how much of their current debt they can free up with a loan they can afford.

ASB Services

ASB offers loan top-ups, loan insurance, and internet banking services to ensure that clients access conventional methods to manage their finances.

Clients can use ASB personal finance to finance opportunities that will enhance their lifestyle, such as buying a car, renovating a home, or resolving financial issues such as excessive amounts of personal debt.

Fixed rates on all personal loans

The company sets a fixed interest rate for the term of their loans and only charges a once-off processing fee. Their fixed rates and loan transparency allow clients to predict and manage their finances in the long run easily.

Flexible repayment options

Clients can select between fortnightly and monthly installments depending on their income and spending patterns. Their longer-term solutions allow for lower installments, while short-term loans will help save money on interest. ASB encourages all clients to use the online calculator to decide how long they need to repay their loan.

ASB – Personal loan

  • Loan Type Personal loans
  • Interest Rate 12.9517.95% 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

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

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. 

ASB does not require security for their loans, which allows those who do not have homes or vehicles to offer access to solutions. Their experienced consultants assist and advise clients on the best quick loan nz for their individual needs and current financial standing.

Personal loan requirements

Applicants need to be NZ citizens over 18 and have a valid banking account where a monthly salary or wages are deposited. Those who meet these minimum requirements can apply for an ANZ personal loan.

Qualify for a personal loan up to $40,000

ASB Bank provides online personal loans that range between $3000 and $40 000 to help clients cover any form of individual emergency costs. Their qualified and educated staff encourage responsible lending and always put the clients' best interests first.

Affordable and flexible loans

With affordable repayment plans and various loan terms, ASB Bank can offer loan solutions to a wide range of individuals. They ensure that clients receive affordable loan solutions that allow them to continue to fund their daily expenses.

Those who want to enquire about ASB Bank products before applying can contact their consultants at any time via email or telephone. They will provide clients with advice on the best options for their needs. Those ready to apply can use their simple online loan application to apply through one of the bank's providers.

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