Personal Loans

Debt Consolidation Loan

Offers a high loan amount up to 18x of monthly salary to clear your debts and save interest expenses up to 98%.

For Key Facts Statement for Debt Consolidation Loan, please click here.

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  • High loan amount up to HK$1,200,000 or 18x your monthly salary (whichever is lower)
  • Monthly flat interest rate as low as 0.04% (Annualised percentage rate: 3.83%)1
  • Flexible repayment period of up to 72 months
  • One minute approval

If your credit card debts accumulate and paying them off is nowhere in sight, our Debt Consolidation Loan can help you clear all your card debts in one go. With a fixed monthly instalment plan and extended repayment periods, you can save interest expenses substantially and clear your card debts easily.

  • No need to cancel all the credit cards
  • Cash out available for other needs

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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  • Applicants must be a Hong Kong Permanent Resident aged 21 or above with a minimum annual income of HK$100,000

How to Apply

  • Find out the latest promotion and apply online!
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  • Call our Hotline at (852) 2290 8118
  • Apply via DBS Loans App
  1. Monthly flat rate of 0.04%, its annualized percentage rate (APR) is 3.83%. The APR is calculated based on loan amount of every HKD10,000 and loan period of 6 years including each year 1.5% handling fee. The APR is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice.
  2. One minute approval is applicable to applications via DBS Bank (Hong Kong) Limited’s (the “Bank”) website and DBS Loans App on Monday to Friday 9am to 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.
  3. 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.
  4. If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.

* Assuming the monthly repayment amount is 4% of the HK$800,000 credit card outstanding balance at an interest rate of 30% p.a. (APR is 34.49%). The monthly repayment amount stated in the table is the average of the first three months repayment.

# Assuming the repayment period is six years and the monthly flat rate is 0.04% (APR is 3.83%, including 1.5% p.a. handling fees). The final approval of the interest rate, loan amount and repayment period is subject to the financial condition of customer. For details of interest calculation and the loan features, please contact our staff.

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.

Reminder: 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.
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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