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Furniture, Sitting, Person

Just a few steps to apply for our best loan services with low interest rate instantly

Loan category page pil
Personal Instalment Loan
  • As low as 1.75%1

    Annualized Percentage Rate

  • up to HKD 4,000

    Cash Rebate

  • 0%

    Handling fee

✔ Loan amount up to 18X salary or HKD 2,000,000 (whichever is lower)

✔ Loan tenor up to 60 months

 

Eligibility: Hong Kong resident aged 20 or above; fixed annual income of HKD96,000 or above

Access to Personal Instalment Loan Key Fact Statement

Loan category page dc
Debt Consolidation Program
  • As low as 0.092%2

    Monthly Flat Rate

  • up to HKD 4,000

    Cash Rebate

  • up to 96%

    interest saved

✔ Consolidate multiple bills into a single payment

✔ Loan amount up to 18X salary or HKD 2,000,000 (whichever is lower)

✔ Loan tenor up to 72 months

✔ 0% Handling fee

 

Eligibility: Hong Kong resident aged 20 or above; fixed annual income of HKD96,000 or above

Access to Debt Consolidation Program Key Fact Statement

Loan category page pil top up
Personal Instalment Loan Top Up Service

✔ 0% handling fee

✔ Documents waiver

✔ Loan amount up to 18X salary or HKD 2,000,000 (whichever is lower)

✔ Loan tenor up to 60 months

 

Eligibility: Standard Chartered Bank existing loan customer

Access to Personal Instalment Loan Top Up Service Key Fact Statement

Loan category page dac
Get Cash From Credit Card
  • as low as 0.13%^

    Monthly handling fee

  • up to HKD 5,000

    Exclusive online offers

✔ New online platform to get cash from card in 30 seconds

✔ Loan amount up to 18X salary or HKD 1,200,000 (whichever is lower)

✔ Loan tenor up to 60 months

✔ HKD200 application free waiver

 

Eligibility: Standard Chartered Bank existing cardholders

Access to Get Cash From Credit Card Key Fact Statement

Loan category page ic
Split Your Credit Card Bills
  • HKD 500

    Minimum spending

  • up to HKD 400

    Cash Rebate

✔ Monthly handling fee as low as 0.15%5

✔ Flexible instalment period 6-60 months

✔ Few easy steps to complete the application in 5-minutes

 

Eligibility: Standard Chartered Bank existing cardholders

Access to Split Your Credit Card Bills Key Fact Statement

Loan category page rcc
Revolving Cash Card

✔ Enjoy first year annual fee waiver

✔ Credit limit up to HKD800,000 or 12 times of your monthly salary (whichever is lower)

✔ 2.10% p.a. interest rate for the first 3-month6

✔ Flexible re-borrow

 

Eligibility: Hong Kong resident aged 18 or above; fixed annual income of HKD96,000 or above

Access to Revolving Cash Card Key Fact Statement

Loan category page plc
Personal Line of Credit

✔ Enjoy first year annual fee waiver7

✔ Credit limit up to HKD800,000 or 4 times of your monthly salary (which is lower)

✔ High flexibility: monthly minimum repayment of 3% of the statement balance or HKD50 (whichever is higher)

 

Eligibility: Hong Kong resident aged 18 or above; fixed annual income of HKD96,000 or above

Access to Personal Line of Credit Key Fact Statement

Loan category page plgs
100% Personal Loan Guarantee Scheme (administered by HKMC Insurance Limited(“HKMCI”)) Optional 12 months principal repayment holiday

✔ Loan amount up to HKD80,000

✔ Loan tenor up to 72 months

✔ Optional 12 months principal payment holiday

✔ Annualised Percentage Rate (APR) of 1% p.a. ,Interest Refund after loan fully repaid by the end of the repayment period

✔ 0% handling fee

 

Eligibility:

Hong Kong permanent resident aged 18 or above ;
unemployed for at least 2 months at the time of application and can demonstrate cessation of main recurrent incomes from employment in Hong Kong, and have been employed for at least 3 months between January 2020 and February 2021 ;
not be subject to any bankruptcy petition or proceedings at the time of loan application and shall maintain valid bank accounts in Hong Kong;
Self-employed individuals (only for those who currently do not have any loans or credit facilities guaranteed under the SME Financing Guarantee Scheme), free-lancers, gig or casual workers are also eligible upon the production of a declaration of unemployment and proof of a loss of main recurrent incomes from employment / occupation in Hong Kong

Loan tips

Get You Out of Financial Difficulties

Under this low-interest environment, personal installment loans may help you resolve cash flow problems such as, consolidate credit card debts, pursue study plans, or decorate your home.

Only paying the Minimum Pay each month?

Min Pay may be a timely help, but it is important to assess your repayment ability before spending. Maybe it is time for a balance transfer!

Remarks

Terms and conditions apply, please click corresponding  “FIND OUT MORE” for details.

  1. The Annualised Percentage Rate is 1.75% (for clients with loan amount of HKD$200,000 or above and tenor of 12 months). APRs are reference rates which include the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The preferential interest rate is only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application. The Bank reserves the right to determine the applicable interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions.
  2. Clients are to be bound by Terms and conditions for up to 2 months interest-free repayment deferral program. Up to 2 months interest-free repayment deferral program is not being taken into account the Bank’s promotional interest rates. Up to 2 months interest-free repayment deferral program is applicable via online, branch, Corporate Partnership channels and call in to our application hotline.
  3. The Monthly Flat Rate shown above is for reference only. The actual monthly flat rate will be subject to the Bank’s approval on a case-by-case basis. The Annualised Percentage Rate (“APR”) is 2.15% (based on the loan amount of HKD200,000 or above with tenor of 36-month and the actual Monthly Flat Rate). For client who has applied for tenor 24-month with loan amount of HKD700,000, will be subject to a monthly flat rate of 0.0929% and the corresponding APR is 2.15%. For client who has applied for tenor 72-month with loan amount of HKD700,000, will be subject to a monthly flat rate of 0.2540% and the corresponding APR is 5.85%. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The preferential interest rate is only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application. The Bank reserves the right to determine the applicable interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions.
  4. The Annualised Percentage Rate (“APR”) of tenor 48 months and 60 months are 3.04% and 3.04% respectively (NOT including the application fee of HKD200 and calculated based on the Instalment Credit amount of HKD300,000). An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualised rate. In general, the Instalment Amount is a fixed amount to be charged to the Card Account on a monthly basis, while the APR for the first instalment may be impacted by the loan disbursement date. For APR of other “Instalment Credit” / “Credit Cash” Amount, please contact Standard Chartered Bank (Hong Kong) Limited (the “”Bank””).
  5. For transaction amount of HKD1,500 or HKD25,000, the Annualised Percentage Rate (APR) of 0.15% Monthly Handling Fee is 3.31% (6-month); 3.46% (12-month); 3.51%(18-month); 3.35% (24-month). This APR does not include cash rebate.
  6. 2.10% p.a. Interest Rate for the first 3 months is only applicable for selected clients and upon the day of successful cash withdrawal to the cutoff day of the following 3 consecutive months as specified on the monthly statement showing the withdrawal amount.
  7. Notwithstanding the clause regarding annual fee set out in the Clients Terms and the applicable documents referred to in Part C of the Bank’s Client Terms (including Personal Loan/Personal Line of Credit/Overdraft Terms, the product brochure, Important Notes and these promotional terms and any other relevant documents forming the banking arrangement), the First Year Annual Fee incurred in the promotion will be waived.

Beware of communications from fraudsters soliciting personal loan

Please be aware of any bogus calls, SMS messages, emails, letters or communications through any other channels from fraudsters for referring personal loan, seeking for client’s personal information or even requesting clients to transfer funds to third party account. The Bank would like to remind clients not to disclose any personal information to suspicious calls or transfer funds to third party account and the Bank has not authorized or appointed any intermediaries to conduct marketing activities of personal loan. If in doubt, you may verify the caller details with the bank. Please contact our staff at 2886-8868 (press 2-6-0) or report to police immediately.

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