01. Calculate
Decide how much you need and what your repayments would be.
Consolidate debts, simplify paybacks
Roll all your debts into one debt consolidation loan and sort out your finances.
Calculator
Calculate your debt consolidation 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.
Does an ASB Debt Consolidation Loan work for me?
- Once approved, you will receive our fixed rate of 13.90% p.a.
- Make extra repayments online at any time, with no charges and no fees
- 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
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 Debt Consolidation Loan
Visit a branch or call
Visit us at one of our many branches, or call us on 0800 100 600.
We're here to help you
Frequently asked questions
Manage your loan
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.
