Personal Instalment Loan - Enjoy up to HK$8,000 reward upon successful application

DBS Personal Instalment Loan

For Key Facts Statement for Personal Instalment Loan, please click here.Personal Instalment LoanAPR as low as 2.20%⁷. No income proof required. From application to loan disbursement, it only takes 2 minutes to complete. Enjoy the smooth loan application process with instant cash withdrawal^{^}.

Enjoy up to HK$8,000 reward upon successful application, including InstaRedeem amount^* to offset your spending at merchants around the globe via DBS Card+^#!

^*Terms and conditions apply. For details, please click here.^#For details of how to use InstaRedeem and register for DBS Card+ account, please click here.^{^}Only applicable to applicant who applies through DBS Card+ and chooses to receive the loan amount through Faster Payment System (“FPS”). The loan amount can be instantly transferred to the recipient bank. The actual time of crediting the fund to applicant’s bank account depends on the recipient bank’s arrangement. Approval of application or not depends on the applicant's financial condition and is solely determined by us.For Onfido PTE LTD Terms and Conditions, please click here.

Act Now!

Online Application

Apply Now Key Facts Statement

Apply via Phone

Call Personal Loans Hotline at (852) 2290 8118

The online application will not be processed in real time and is not for urgent submission of information. Should you have any enquiry, please contact our 24-hour hotline at (852) 2290 8888.

Features

Intelligent loan process with easier and faster steps

DBS Card+ Mobile App

Other Features

Loan amount up to HK$2,000,000
or 20x of your monthly salary
(whichever is lower)

Enjoy up to 60 months
flexible repayment period

Low interest rate
Annualised Percentage Rate as low as 2.20%⁷

Apply anytime and anywhere
Enjoy instant disbursement

Monthly repayment Table

Loan amount (HK$)		200,000 - 499,999	500,000 - 999,999	1,000,000 - 1,499,999	1,500,000 - 1,999,999	2,000,000
Flat rate per month (Annualised Percentage Rate^2,4,5)	12 months	0.14% (7.08%)	0.14% (7.08%)	0.14% (7.08%)	0.10% (6.14%)	0.10% (6.14%)
	24 months	0.22% (7.20%)	0.22% (7.20%)	0.22% (7.20%)	0.22% (7.20%)	0.01% (2.20%)
	36 months	0.25% (7.27%)	0.25% (7.27%)	0.25% (7.27%)	0.25% (7.27%)	0.25% (7.27%)
	48 months	0.26% (7.15%)	0.26% (7.15%)	0.26% (7.15%)	0.26% (7.15%)	0.26% (7.15%)
	60 months	0.27% (7.14%)	0.27% (7.14%)	0.27% (7.14%)	0.27% (7.14%)	0.27% (7.14%)
Monthly repayment amount (HK$) - For every HK$10,000 loan amount	12 months	847	847	847	843	843
	24 months	439	439	439	439	418
	36 months	303	303	303	303	303
	48 months	234	234	234	234	234
	60 months	194	194	194	194	194

For information relating to loan amount below HK$200,000 and other tenors, please call our hotline at 2290 8118.

Documents Required & How to UploadPlease submit photocopies of required documents to facilitate our processing of your application. Documents submitted, together with the application form, will not be returned. Documents Required & Upload Here

Eligibility

Applicants must be a Hong Kong Resident aged 18 or above with a minimum annual income of HK$80,000

Repayment Schedule CalculatorUse the Repayment Schedule Calculator to calculate your repayment amount.Calculate Now *To check loan details, you are required to install DBS Card+ mobile application (“DBS Card+”), register for and activate a DBS Card+ account. You are able to check the existing loan accounts and loan accounts closed within 90 days.

Other Loan Products

Debt Consolidation Loan

Cashline Revolving Loan

Top Up Loan

Remarks

We reserve the right to request an income proof and additional documents for application approval.
An annualised percentage Rate (“APR”) is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable.
You are eligible to apply for redrawing the repaid principal if a minimum of one instalment has been repaid and the repaid principal is over HK$5,000, with a punctual repayment record maintained. For application or enquiry about the details of redrawing the repaid principal and the terms and conditions, please call 2290 8118. We reserve the right for final approval based on the account condition.
The monthly flat rate quoted in the above table is for reference only. The interest rate applicable to a customer is subject to his/her financial condition and is solely determined by us.
The APR ranges from 2.20% to 7.27%. The minimum and maximum repayment period is 12 months and 60 months, respectively. The final interest rate and repayment period applicable to a customer is subject to his/her financial condition and is solely determined by us. To facilitate customer to repay, the monthly repayment amount is rounded to an integral, so the final APR may be slightly different from that quoted in the above table.
With effect from 22 April 2022, we have ceased the “WhatsApp us” enquiry service. Should you have any enquiry, please call our Personal Loans Hotline at (852) 2290 8118.
The APR of 2.20% is calculated based on the loan amount of HK$2,000,000, monthly flat rate of 0.01% and instalment period of 24 months, including a Loan Set Up Fee of 2%.

If a customer decides to early pay off the loan, customer should assess whether the Early Settlement Administrative Fee outweighs the interest saved. To facilitate the assessment, customer can refer to “Personal Loans FAQ” on the Bank’s website for illustration. For details of such administrative fee, please refer to the Personal Instalment Loan Terms and Conditions.

Reminders about Responsible Borrowing

You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
You should assess your repayment ability and avoid over-borrowing.
You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest.
To borrow or not to borrow? Borrow only if you can repay!

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.

DBS Personal Instalment Loan

Features

Other Loan Products

Debt Consolidation Loan

Cashline Revolving Loan

Top Up Loan

Useful Links

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