Why we think you’ll love this
Wished borrowing money could be easier? It is with DBS. Here’s why.![](/iwov-resources/media/images/content_img/icon-images/payment.png)
borrow as much as
HK$2,000,000
Or 20x of your monthly salary, whichever is lowerInstant Disbursement
Only applicable to applicant who applies through DBS Card+ and chooses to receive the loan amount through Faster Payment System (“FPS”). The loan amount can be instantly transferred to the recipient bank. The actual time of crediting the fund to applicant’s bank account depends on the recipient bank’s arrangement. Approval of application or not depends on the applicant's financial condition and is solely determined by us.
See what your repayments look like
Calculate your estimated repayments and choose what works for you.
Monthly repayment
HK$ 36,640.00
Monthly Flat Rate (APR) 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. |
0% (0%) |
Total interest payable in 12 months |
HK$ HK$ 0 |
One-time setup fee (2%) Loan Set Up Fee of 2% shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable. |
HK$ 6,000 |
Tenors (Months) |
Monthly Flat Rate (APR)* |
Monthly repayment for every HK$10,000 |
---|---|---|
12 | 0.11% (6.37%) | 844 |
24 | 0.20% (6.72%) | 437 |
36 | 0.24% (7.03%) | 302 |
48 | 0.24% (6.68%) | 232 |
60 | 0.24% (6.45%) | 191 |
* The monthly flat rate quoted above is for reference only. The interest rate 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.
See Monthly Repayment Table
Before you get started
Eligibility |
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Documents to prepare |
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Things to note
- 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.
- If additional documents are required for your application approval, our customer service representative will contact you separately.
We use Onfido PTE LTD to verify your identity. Find out how your data is used and protected.
What the loan process is like
DBS Card+ App
![DBS_STP_landing_app_EN](/iwov-resources/media/images/content_img/DBS_STP_landing_app_EN.gif)
Keep track of your loan effortlessly
So you’ve got your loan. Now what? Enjoy great loan management features on us.
![](/iwov-resources/media/images/content_img/summary.png)
Loan summary
All the numbers, together.![](/iwov-resources/media/images/content_img/dashboard.png)
Loan dashboard
Take full control.Repayment Schedule Calculator
Refer to the Repayment Schedule Calculator for an overview of your detailed monthly repayment amount.![](/iwov-resources/media/images/content_img/repayment-schedule.png)
Questions we get asked often
Find out more details on how to use InstaRedeem and register for DBS Card+ account.
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 +(852) 2290 8111. We
reserve
the
right for final approval based
on the account condition..
If a customer decides to pay off the loan early, they should assess whether the Early Settlement Administrative Fee outweighs the interest saved. To facilitate the assessment, customers can refer to “Personal Loans FAQ” on the Bank’s website for illustration. For details of this administrative fee, please refer to the Personal Instalment Loan Terms and Conditions.
Help is never far away
Dedicated hotline
Talk to us directly if you need help. We’re here on weekdays from 9:00am to 6:30pm. +(852) 2290 8111We thought you should know
Early Loan Repayment
If a customer decides to pay off the loan early, they should assess whether the Early Settlement Administrative Fee outweighs the interest saved. To facilitate the assessment, customers can refer to “Personal Loans FAQ” on the Bank’s website for illustration. For details of this 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.