Rating based on 38 reviews

ASB Bank


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

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ASB Bank homepage

Author ASB Bank. Screenshot of ASB Bank website. [Accessed May 23, 2018]

About ASB Bank

If you want a bank that cares about you – then it’s time to switch to ASB!

ASB Bank is a leading provider of innovative financial products and services from home loans with a difference to personal loans that make a difference in the lives of our customers we are one of the most loved banking corporations in the country.

We’re all about our people

ASB is proud of its staff members who are amongst the most dedicated and passionate professionals in the financial industry. Our people are well trained and well looked after and it show in the way they treat and interact with our valued customers.

What ASB Bank can offer you

ASB Bank is a company that cares about the financial well being and success of its customers.

Whether you’re looking to buy a new car or consolidate your debts we have the information and tips you need to know to get it done in the best and most cost-effective manner possible.

Consolidating your debts with us

We offer personal loans of between $2,000 and $40,000 which customers can use to consolidate their debts into one loan. Our loans come with rates ranging from as low as 12.95% to 17.95% - which are among the lowest rates in the country.

ASB Bank Product Details

  • Loan Type Debt consolidation loans
  • Interest Rate 12.95 – 17.95% p/a
  • Loan Amount up to $40,000
  • Repayment 6 months to 7 years
  • Decision 24 hours

Our low rates loans helps your better your finances

Debt consolidation means taking a number of smaller unsecured loans and combining them into one bigger loan with a lower interest rate.

This allows you to save money in interest, pay lower monthly instalments and makes it easier to manage debt overall. If you’re ready to apply for a loan and better your finances our consultants are standing by to assist you.

Applying online in just minutes

Another reason that ASB is just better is that we allow both new and existing customers to apply for credit online. Our website is filled with a wide range of information and tips on making better financial decisions and taking on credit and we also offer a 100% online loan application for all sorts of products and services.

Why was my debt consolidation loan declined?

There might be a number of reasons that resulted in declining your loan application. If we see that you have a number of debts that you are already paying for, we might have to turn your credit request down. Nothing stops you from applying for credit in future when you have settled some of your loans. We will not close our doors on you.

Can I apply for more than one loan?

Applying for an additional debt consolidation loan will depend on your affordability and whether your credit profile allows you to take the credit. If your other loans are in good standing and you qualify for extra credit, we will approve your application. We always advise our customers to first finish paying off their initial debt consolidation loans before applying for another one.

Master the art of only applying for credit when there is an emergency

A number of customers are settling debts that they never really wanted to apply for because they weren’t in a sense of financial emergency. If you don’t need the credit, there is no need to ruin your credit profile for something that you can always get at a later stage.

Customer Reviews & Testimonials

September 2018

I applied for a debt consolidation loan in the morning. Within hours, I was already approved for credit. What’s even better was the fact that the money was deposited on my bank account on the ver...

Kate H
— Ahuroa —

February 2019

I am usually terrified when I have to complete a loan application. ASB Bank’s credit application has been simplified to such an extent that there is no reason to call in for one of their consulta...

Mary Jane W
— Akaroa —

ASB Bank Contact Details

Contact Number


  • not available


Physical Address

  • Westfield Centre, 219 Don McKinnon Drive Auckland Auckland 0632 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 09:00 – 16:30
  • Sunday 10:00 – 16:00