Straight2Bank
SC CASH: Personal Instalment Loan
As low as1.85%1 Annualized Percentage Rate | up to HKD8,000 Cash Rebate | 0% Handling fee |
✔ Loan amount up to 18X monthly salary or HKD4,000,000 (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
Terms and conditions applies.
SC CASH: Debt Consolidation
As low as0.20%2 Monthly Flat Rate | up to HKD$21,000 Cash Rebate | up to95%
interest saved |
✔ Consolidate multiple bills into a single payment
✔ Loan amount up to 24X salary or HKD 2,000,000 (whichever is lower)
✔ Loan tenor up to 84 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
Terms and conditions applies.
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
Terms and conditions applies.
SC CASH: Credit Card Instant Loan
as low as 0.13%^ Monthly handling fee |
✔ 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
Terms and conditions applies.
Split Your Credit Card Bills
HKD500 Minimum spending |
✔ Monthly handling fee as low as 0.19%5
✔ Flexible instalment period 3-60 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
Terms and conditions applies.
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
Terms and conditions applies.
Instant approval to realise your dreams
Whether it is as small as decorating a corner of your home or as grand as creating a fairytale wedding memory, we’re here to help kickstart your plans instantly so you can achieve your dreams.
2024 Tax Season Guide
Discover comprehensive tax payment methods, step-by-step tax instalment payment tutorial and exclusive tax loan offers
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!
Home is where your heart is
An ideal life starts with a comfortable home. Consider adding personal touches to a small corner of your home or renovating your living room to create a new ambiance.
Embark on a self-development journey to unleash your full potential
Knowledge gives you wings to rise above your limitations. Furthering your studies is a journey of pursuing dreams as it allows you to explore endless possibilities in the ocean of learning.
10 Tips on getting a personal loan
Everyone may need to borrow at some point in their lives for cash flow. In times like that, personal loan is a relatively common and effective way out, it can even help you to achieve smart financial management! How are loans related to credit ratings? Here are 10 tips on getting a personal loan.
Make good use of Personal loans, to achieve your goals for your future
Many people may have a negative feeling about loans or feel that it is better not to be indebted. But there are many important stages in your life that you may have money difficulties, eg. Study abroad, marriage, give birth, etc. Personal loans may allow you to break through the barriers and move towards a successful life!
Hassle-Free with Instant Cash
There are options besides a personal loan when you need some instant cash. You can choose the credit card cash advance plan. Help is here right away! The credit card cash advance plan allows you to use your credit card limit flexibly.
Planning your fairy-tale like wedding
That fairytale-like wedding that you have dreamed of since childhood can easily be the most beautiful moment in your life and it is worthy of your efforts to make it perfect.
More than just a passionate pursuit
Owning a dream car means travelling happily with family, exploring uncharted paths and creating beautiful memories. It is the realisation of personal dreams and an adventure in life.
- The Annualised Percentage Rate is 1.85% (for clients with loan amount of HKD$1,500,000 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 rates are only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application, or clients who use the Bank’s auto-payroll services. 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.
- 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 4.67% (based on the loan amount of HKD200,000 or above with tenor of 36-month and the actual Monthly Flat Rate). 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 rates are 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.
- 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.
- 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"").
- For transaction amount of HKD500 or HKD25,000, the Annualised Percentage Rate (APR) of 0.19% Monthly Handling Fee is 4.20% (6-month); 4.40% (12-month); 4.45%(18-month); 4.48% (24-month). This APR does not include cash rebate.
- 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.
- 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.
- The Annualised Percentage Rate ("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. This APR does not include cash rebate. APR is calculated based on a monthly flat rate of 0.0530%, 12-month repayment period and a loan amount of HKD1,000,000 or above. The preferential interest rate is only applicable to existing Priority Private/ Priority Banking clients, or clients who do not hold any products or services of Standard Chartered Bank (Hong Kong) Limited (the "Bank") at the time of application of the Loan. 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 clients’ credit records and other relevant factors as the Bank may consider in its absolute discretion.
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.
