Personal Loans

Express Loan

DBS Express Loan accepts any types of payroll slip. Approval just takes 20 minutes and you can have funds in hand.


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  • Accept all kinds of occupation's salary proofs
  • Quick cash in just 20 minutes1
  • Loans amount of up to HK$200,000 or 4x your monthly salary (whichever is lower)
  • Flexibility to redraw your repaid principal when in need2, please click here to apply
  • One minute approval 

Whether you are paid in cash or by commission, Express Loan can help resolve your financial needs quickly. All you need to provide is your payroll slip! If you are a taxi driver, simply submit your application along with your taxi license and car registration.

  • Professional drivers
  • Chefs
  • Technicians
How much should I repay?

Loan Amount(HK$):

Loan Period:

Please submit photocopies of the following documents in order to facilitate your application. Documents supplied, including this application, will not be returned.
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This form is not for urgent submission of information (e.g. reporting of fraud or suspicious transactions). Should you have any enquiry, please kindly contact our 24-hour hotline at (852) 2290 8888.

  1. "Quick Cash in 20 minutes" is only applicable to customers who apply in person at DBS Finance and submit all required documents by 5pm from Monday to Friday (except public holidays). Fund availability will depend on when the receiving bank disburses the loan amount into customers' accounts.
  2. Customers are eligible to apply for a top-up loan on the repaid principal amount if a minimum of one instalment is repaid, and the repaid principal amount is over HK$5,000 with a punctual repayment record maintained. For application or enquiry about the details of top-up loan and the terms and conditions, please contact us at 2290 8118. DBS Bank (Hong Kong) Limited (the “Bank”) reserves the right of approval of the top-up loan based on the customer's financial standing.
  3. The monthly repayment amount is calculated based on loan amount of every HK$10,000.
  4. The handling fee of 1% each year is included in the Annualised Percentage Rate (“APR”) and Monthly Repayment Amount. The APR is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice.
  5. One minute final approval result is applicable to applications via DBS website and DBS Loans App on Monday to Friday 9am – 12 midnight, Saturday 9am – 1pm and 2pm to 10pm, Sunday noon to 9pm. Customers apply in timeslot that is not mentioned above, we will contact you to follow up your application in next working day. The Bank may request particular customers to visit the branch for identity verification.
  6. The approval of the final interest rate, loan amount and instalment period is subject to the financial condition of customer. The Bank has the absolute discretion in approving the loan.
  7. If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.
Personal Information Collection (PIC)
DBS Bank (Hong Kong) Limited safeguards your data in accordance with applicable Hong Kong laws. We only use the data we collect in accordance with our Data Policy which explains the data collection purposes, the persons to whom we may transfer data, your data access and correction rights and how you may contact our Data Protection Officer.
Apple is not a participant in or sponsor of this promotion. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play™ is a service mark of Google Inc. Android™ is a service mark of Google Inc.
The downloading and/or use of the Quick Response Code Reader ("QR Code Reader") is entirely at your sole discretion. The Bank shall not be held liable in any way for any loss (including loss of data) you suffered arising from or in connection with your downloading and/or use of the QR Code Reader.