For Key Facts Statement for Express Loan, please click here.

Your Express Loan

Apply successfully and enjoy
HK$100 cash coupons*.

Apply Now Key Facts Statement

*Terms and conditions apply. For details, please click here.

For Key Facts Statement for Express Loan, please click here.


Loan amount up to HK$200,000
or 4x your monthly salary (whichever is lower) ,solve all your financial needs

Get the cash you need in just 20 minutes1

Enjoy a hassle-free application
with only your payroll slip required

One-minute approval4
Bank instantly

Redraw on your repaid amount2
as many times as you like


How To Apply

DBS iBanking User Login Now Key Facts Statement
Non-iBanking User Apply Now Key Facts Statement

Apply via DBS Loans App

Or search for "DBS Loans" at App Store or Google Play

Call Personal Loans Hotline at (852) 2290 8118

whatsApp at (852) 6603 0001 and provide your surname, our staff will contact you for follow up your enquiry WhatsApp at (852) 6603 0001
Provide your surname, our staff will contact you for follow up your enquiry.6



Applicants must be a Hong Kong Resident aged 18 or above with a minimum annual income of HK$60,000


Repayment Table

Loan Amount (HK$) Flat Rate Per Month Monthly Repayment Amount -
For Loan Amount of Every HK$10,000 (Annualised Percentage Rate) 3
    12 months 24 months 36 months
HK$10,000 - HK$200,000 1.32% HK$973.67 (34.17%) HK$557.00 (33.95%) HK$418.12 (32.96%)


Repayment Calculator

Please visit the Repayment Calculator to calculate your specific repayment amount.


Reminder: To borrow or not to borrow? Borrow only if you can repay!


  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 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.
  4. One minute final approval result is applicable to applications via the Bank's website, DBS Loans App or DBS iBanking 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.
  5. The APR ranges from 32.96% to 34.17%. The minimum and maximum repayment period is 12 months and 36 months, respectively. The approval of the final interest rate, loan amount and repayment period is subject to the financial condition of the customer. The Bank has the absolute discretion in approving the loan.
  6. Our staff would not obtain your personal information via WhatsApp channel, this channel is dedicated for enquiries on loan products only.
  7. If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.

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.

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.


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