Straight2Bank
SC CASH: Personal Instalment Loan
Apply for SC CASH Personal Instalment Loan, get cash in a flash to fund your lifestyle.
Realise your goals
Handling Fee
0%
Loan tenor
up to 60months
Loan Amount
Up to 18X monthly salary or HKD 2,000,000 (whichever is lower)
Before you Apply
Eligibility
Hong Kong resident aged 20 or above
Fixed annual income of HKD144,000 or above
Required Documents
Your Hong Kong Permanent Identity Card
Your latest residential address proof showing your name
For regular income earners, please enclose your latest 1 month’s Bank Statements / Passbook showing your name, account number and salary entries or latest 1 month’s computer generated Payroll Slip, or latest Tax Demand Note
For irregular income earners, please enclose your latest 3 month’s Bank Statements / Passbook showing your name, account number and salary entries or latest 3 month’s computer generated Payroll Slip, or latest Tax Demand Note
For self-employed applicants, please enclose your Business Registration Certificate AND latest Profits Tax Demand Note
Note: The bank reserves the rights of requiring more supportive documents for further review.
- The Monthly Flat Rate shown above was for reference only.
- For every HKD1,000 loan amount.
- The above Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable). This APR does not include CaskBack.
The Annualised Percentage Rate ranged from 1.85% to 36% and flexible repayment period of 12 to 60 months. An APR is a reference rate which includes the basic loan interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include CashBack. The Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of 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.
The operating hours of our Loan Application Hotline are from Monday to Friday: 10am – 7pm.
Personal Instalment Loan Repayment Table
| 12 | 24 | 36 | 48 | 60 | ||
|---|---|---|---|---|---|---|
| 1. $5,000-$199,999 | Monthly Flat rate | 0.31% | 0.31% | 0.31% | 0.31% | 0.32% |
| Monthly Repayment (HKD) for every 1,000 loan amount | $86.43 | $44.77 | $30.88 | $23.95 | $19.82 | |
| APR | 7.01% | 7.22% | 7.23% | 7.25% | 7.26% | |
| 2. $200,000-$499,999 | Monthly Flat rate | 0.27% | 0.27% | 0.27% | 0.27% | 0.27% |
| Monthly Repayment (HKD) for every 1,000 loan amount | $86.03 | $44.37 | $30.48 | $23.54 | $19.40 | |
| APR | 6.09% | 6.28% | 6.30% | 6.30% | 6.31% | |
| 3. $500,000-$699,999 | Monthly Flat rate | 0.23% | 0.23% | 0.23% | 0.23% | 0.23% |
| Monthly Repayment (HKD) for every 1,000 loan amount | $85.63 | $43.97 | $30.09 | $23.15 | $19.00 | |
| APR | 5.18% | 5.34% | 5.39% | 5.40% | 5.40% | |
| 4. $700,000-$1,499,999 | Monthly Flat rate | 0.23% | 0.23% | 0.23% | 0.23% | 0.23% |
| Monthly Repayment (HKD) for every 1,000 loan amount | $85.63 | $43.97 | $30.08 | $23.14 | $18.99 | |
| APR | 5.18% | 5.34% | 5.37% | 5.38% | 5.38% | |
| 5. $1,500,000 or above | Monthly Flat rate | 0.08% | 0.22% | 0.22% | 0.22% | 0.22% |
| Monthly Repayment (HKD) for every 1,000 loan amount | $84.16 | $43.87 | $29.98 | $23.03 | $18.88 | |
| APR | 1.85% | 5.11% | 5.13% | 5.13% | 5.13% |
SC CASH: Personal Instalment Loan
You might be interested in
To borrow or not to borrow? Borrow only if you can repay!
