DBS Personal Loans | Low-Interest, Easy Borrowing – Simplify Your Financial Planning
Updated: 23 Mar 2026
DBS Personal Loans offer low interest rates and flexible repayment options, making it easy to manage emergency funds, home renovations, or other large expenses. The application process is simple and transparent, allowing you to access funds quickly without worrying about complicated procedures.
Through MoneyHero, you can quickly explore DBS loan plans and compare them with other products on the market to find the option that best suits your needs. Apply now to enjoy exclusive offers and make DBS your ideal partner in achieving your financial goals!
Loan | Monthly repayment | MoneyHero Reward | Total Interest | APR | ||
|---|---|---|---|---|---|---|
 | DBS Debt Consolidation Loan | HK$8,553 | HK$3,300 | HK$5,280 | 6.38 % | |
 | DBS Personal Instalment Loan | HK$8,353 | HK$3,000 | HK$480 | 4.03 % |
Total Interest
HK$ HK$
5,280Total Repayment
HK$ HK$
205,280APR
6.38 %Processing fee
HK$ HK$
0For a DBS Debt Consolidation Loan of HK$200,000 over 24 months, you’ll enjoy via Moneyhero
Update your loan amount to at least HK$100,000 and loan tenure to at least 36 month to unlock exclusive gifts worth up to HK$1000.
1. Apply online or by phone
2. Fill in personal and employment information
3. Confirm the information
4. Wait for the approval result
5. Disburse the loan
- Monthly flat rate as low as 0.11% (Annualised percentage rate: 6.38%)
- The Loan Set Up Fee is 2% of the loan amount. The Loan Set Up Fee shall be calculated by reference to the principal amount of the loan at the rate specified by the Bank from time to time and shall be deducted from the loan principal amount upon drawdown of the loan and is non-refundable
- High loan amount up to HK$2,000,000 or 21x monthly salary (whichever is lower)
- Flexible repayment period of up to 84 months
- Reduce interest expense by up to 93%
- No income proof is required
Eligibility
Min. Annual Income: $100,000
Minimum Age: 21 years old
Required Documents
1. HKID card
2. Latest 3 months’ income proof
3. Address proof (issue date within 6 months)
4. Practicing certificate issued by relevant association, if you are a professional (e.g. medical doctor, accountant, lawyer or engineer)
5. Banking statement / passbook showing your name and account number
Key Features
- APR is calculated in accordance with the guideline issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable
- Terms and conditions apply. For details, please visit DBS website
- The above information is for reference only, the final approved interest rate, loan amount and instalment period are subject to the financial condition of customers.
- To borrow or not to borrow? Borrow only if you can repay!
- Relevant fee applies if a customer early pays off the Loan. For details, please refer to the Personal Instalment Loan Terms and Conditions.
Monthly repayment
HK$ HK$
8,353Total interest
HK$ HK$
480APR
4.03 %Processing Fee
HK$ HK$
0For a DBS Personal Instalment Loan of HK$200,000 over 24 months, you’ll enjoy via Moneyhero
You'll also receive the following welcome gift(s) directly from the provider
1. Apply online or by phone
2. Verify your personal details and declare your financial liabilities
3. Credit check
4. Select a loan plan
5. Select disbursement details
6. Disburse the loan
- Annualised Percentage Rate as low as 4.03%; APR includes the handling fee 2%
- Handling fee refers to the loan setup fee. The Loan Set Up Fee is 2% of the loan amount. The Loan Set Up Fee shall be calculated by reference to the principal amount of the loan at the rate specified by the Bank from time to time and shall be deducted from the loan principal amount upon drawdown of the loan and is non-refundable.
- Loan amount up to HK$2,000,000 or 20x monthly salary (whichever is lower), flexible repayment period of up to 60 months
- No income proof is required
- Anytime to redraw your repaid principal
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$80,000
Required Documents
1. HKID card
2. Latest 3 months’ income proof
3. Address proof (issue date within 6 months)
4. Practicing certificate issued by relevant association, if you are a professional (e.g. medical doctor, accountant, lawyer or engineer)
5. Banking statement / passbook showing your name and account number
Key Features
- Minimum salary requirement: fixed annual income of HK$80,000 or above.
- APR as low as 4.03%: The APR of 4.03% is calculated based on the loan amount of HK$100,000, a monthly flat rate of 0.01%, and instalment period of 12 months, including a Loan Set Up Fee of 2%.
- Rewards are subject to Terms and Conditions, please refer to DBS website for details.
- The Annualized Percentage Rate (“APR”) is calculated in accordance with the guideline issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable
- The monthly flat rate here is for reference only. The interest rate applicable to a customer is subject to his/her financial condition and is solely determined by DBS. Terms and conditions apply. For details, please visit DBS website
- Relevant fee applies if a customer early pays off the Loan. For details, please refer to the Personal Instalment Loan Terms and Conditions.
- To borrow or not to borrow? Borrow only if you can repay!
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