Standard Chartered Personal Instalment Loan

Great for

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  [MoneyHero Exclusive Offer] iPad mini 256GB (valued at HK$5,199) / Apple Watch Series 8 GPS 41mm (valued at HK$3,199) / Up to HK$8,800 Apple Store Gift Card / Wellcome Shopping Voucher

  • From 1 June 2023 to 30 June 2023, applicants who successfully apply loan amount of HK$200,000 or above via MoneyHero with loan drawdown within 3 months are entitled to an exclusive offer:

  Loan Amount	Exclusive Offer:
  HK$800,000 or above	HK$8,800 Apple Store Gift Card / Wellcome Shopping Voucher
  HK$400,000 - HK$799,999	iPad mini 256GB (valued at HK$5,199), or HK$4,800 Apple Store Gift Card / Wellcome Shopping Voucher
  HK$200,000 - HK$399,999	Apple Watch Series 8 GPS 41mm (valued at HK$3,199), or HK$2,800 Apple Store Gift Card / Wellcome Shopping Voucher

  • All of the Rewards will be issued randomly in colour

  How to redeem MoneyHero exclusive offer?

  • Note down your application reference number shown on the application completion page ("Thank you" Page) for reference (e.g. HKR1102-xxxxx)
  • Within 7 days of loan approval date, please send (1) the name of the applied product, (2) application date and (3) a screenshot of drawdown SMS to support@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.
  • Detailed steps: How to redeem exclusive rewards from MoneyHero?
  • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
  • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
  • For more details about the promotion, please see Terms and Conditions
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  [SCB Limited Time Offer] Personal Instalment Loans Lucky Draw Programme

  • The promotion period is from 1 June 2023 to 31 July 2023
  • Clients who have
    • successfully applied for a Personal Instalment Loan or Debt Consolidation Program online with Standard Chartered Bank (Hong Kong) Limited (the “Bank”) during the Promotion Period; and
    • drawn down the Program Loan with a loan amount of HK$350,000 or more on or before 30 September 2023; and
    • successfully registered for the Lucky Draw with valid Cathay membership account information and the loan application reference number of the Program Loan on or before 30 September 2023; will be enrolled in the Lucky Draw in accordance with these terms and conditions.

  	Loan Amount Requirement	Asia Miles	No. of Lucky Draw Winners - New Eligible Clients	No. of Lucky Draw Winners - Existing Eligible Clients
  Prize	HK$350,000 or above	20,000	20	10
  Grand Prize	HK$350,000 or above	120,000	5	/

  • The Bank’s computer system will draw 20 winners and 5 grand prize winners from new Eligible Clients who are not holding any loans and/or credit cards issued by the Bank at the time of submitting the application for the Program Loan and 10 winners from existing Eligible Clients who are holding loans and/or credit cards issued by the Bank at the time of submitting the application for the Program Loan. Each winner drawn (“Winner”) will be entitled to 20,000 Asia Miles (the “Prize”). Each grand prize winners drawn ( “Grand Prize Winner”) will be entitled to 120,000 Asia Miles (“Grand Prize”)
  • For more details about the promotion, please see Terms and Conditions
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  [SCB Welcome Offer] Up to HK$8,000 Cash Rebate
  From 1 June 2023 to 31 July 2023, a client who successfully applied and drawdown the loan online is entitled to enjoy up to HK$7,000 Cash Rebate, an extra HK$1,000 cash rebate for a new client with tenor of 36 months or above. A new client refers to a person who does not currently hold any Standard Chartered Credit Card and/or any loans.

  • Details of up to HK$7,000 Cash Rebate, HK$1,000 cash rebate for a new client:

    Loan Amount	Basic Cash Rebate for clients with loan tenor of 12 months	Basic Cash Rebate for clients with loan tenor 24 months or above	Extra Cash Rebate (for a new client whose loan tenor is 36 months or above)
    HK$1,500,000 or above	HK$3,500	HK$7,000	HK$1,000
    HK$600,000 - HK$1,499,999	HK$1,500	HK$3,000	HK$1,000
    HK$200,000 - HK$599,999	HK$1,000	HK$2,000	HK$1,000
    HK$50,000 - HK$199,999	HK$500	HK$500	HK$1,000

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  Product Features

  • Maximum loan amount of up to 18X monthly salary or HK$4,000,000 (whichever is lower)
  • Max Loan Repayment Tenure: 60 months; 0% handling fee
  • 7-Day Cooling Off Period is provided
  • With waiver on early redemption fee and charges
  • Online Service Pledge for application submitted before noon will be followed up within the same business day

Need to know

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  Things you need to know

  • The 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).
  • Standard Chartered 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.
  • Eligibility: With fixed annual income of HK$96,000 or above; and Hong Kong permanent residents aged 20 or above
  • The monthly flat rate shown above was rounded to 2 decimal places and for reference only.
  • To borrow or not to borrow? Borrow only if you can repay!