Straight2Bank
Get loan amount of
Loan Period ( in Months )
with monthly repayment of
You will get HKD in CashBack
Realise your goals
Daily loan interest
as low as HKD 10^
Handling Fee
0%
Loan tenor
up to 60months
Loan Amount
Up to 18X monthly salary or HKD 2,000,000 (whichever is lower)
Double benefits of up to HKD9,200 CashBack with Bonus Payroll Account and Personal Loans
- Enjoy up to HKD8,000 CashBack when you apply for a Personal Instalment Loan
- Bonus Payroll Welcome Offer up to HKD1,200 CashBack
- Consolidate your payday and repayment date for effortless financial planning
If you are borrowing HKD 1,500,000 more, you will be rewarded up to HKD 8,000 CashBack! Explore the CashBack table now and dive into a world of exclusive benefits waiting just for you!
CashBack Table
CashBack Table
Loan Amount from
CashBack – 36/48/60 months
Tier 1
HKD 100000
HKD 500
Tier 2
HKD 400000
HKD 2000
Tier 3
HKD 500000
HKD 3000
Tier 4
HKD 1500000
HKD 8000
Before you Apply
Eligibility
Required Documents
^ Daily loan interest as low as HK$10 (rounded down to the nearest integer) is calculated with the loan amount of HK$100,000, tenor of 12 months and monthly flat rate of 0.31% which is equivalent to APR of 7.01%. (Loan amount: $100,000 * monthly flat rate 0.31% * Tenor 12 months) / 365 days = HK$10.19
# 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 loan interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include CashBack. The preferential interest rates are only applicable to clients who are not holding any Standard Chartered Credit Cards/Personal Loan at the time of this application. The Bank reserves the right to determine the applicable loan interest rate and handling fee, and to approve a person instalment 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 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% |
