Personal Installment Loan

Get cash easy

Personal Installment Loan with simple application process and speedy approval to get cash easy.

Key Facts Statement (KFS) for Installment Loan

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Personal Installment Loan Promotion

From August 1 to September 30, 2022, apply Personal Installment Loan successfully to enjoy handling fee waiver and following privileges:

  1. ✓ Monthly flat rate as low as 0.21% (APR as low as 4.33%)
  2. ✓ Up to HK$3,000 cash rebate for drawdown
  3. ✓ Additional HK$300 cash rebate for apply online
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Terms & conditions apply.

Loan Features

  • Loan amount up to HK$2 million or 12 times of your monthly salary, whichever is lower

  • Flexible repayment tenor up to 60 months

  • Instant approval1 and same day fund disbursement2 to your designated bank account

  • Handling fee waiver

For more tips and information, you may refer to our Key Facts Statement (KFS) for Installment Loan or Financial Tips of this website.


(1) Instant approval service (the "Service") is applicable to customer who apply in person at our Small Enterprise and Personal Loan Services with full submissions of all the required documents at the same time. The Bank may not offer the Service if customer does not provide the required document or the loan application does not fulfill the approval requirements of the Service. The processing time may vary from applicant to another. The instant approval result is for reference only. The Bank reserves the right of final decision on the approval result and to terminate or amend the Service at anytime.

No value

Service hours of instant approval service

Small Enterprise and Personal Loan Services

Monday – Friday

9:00 am – 5:00 pm


9:00 am – 1:00 pm

Sunday and Public Holiday


(2) Same day fund disbursement is only applicable on business days from Mondays to Fridays. Funds availability will depend on the disbursement method.

Application Requirements

  • A Hong Kong permanent resident aged 18 or above

  • Minimum annual income of HK$64,000

  • Be employed for at least 6 months at the current job

Document Requirement

  • To apply for our Revolving Credit Facility, please submit the following documents:
  • A copy of Hong Kong Permanent Identity Card

  • Proof of income

    • The latest month's salary slip

    • The latest 3 months' payroll account bank statement / account passbook (with the first page showing your name and account number)

    • The latest Salary Tax / Profit Tax Demand Note

    • The latest 1 month's Mandatory Provident Fund statement

  • The current residential proof dated within the last 3 months

  • Any other document (upon request)

For more tips and information, you may refer to our Key Facts Statement (KFS) for Revolving Credit Facility or Financial Tips of this website.

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