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Compare the Best Standard Chartered Personal Loans Rates and APRs 2025

Compare Standard Chartered personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now! Read More
200,000 personal loan Paid over 24 months
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We found 2 Standard Chartered Personal Loans for you!
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Standard Chartered Personal Instalment Loan (Applicable to Tax Season)

Monthly Payment

HK$8,873

MoneySmart Exclusive

Standard Chartered Personal Instalment Loan (Applicable to Tax Season)

APR*
6.28%
Total Amount Payable
HK$212,960
Total Interest Payable
HK$12,960
Monthly Payment
HK$8,873

【MoneySmart Exclusive Offer 】APR as low as 1.85%^, Get total rewards up to HK$26,698!
From now on until 31 January 2025, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to Samsung Galaxy Z Flip6  (value: $8,698) or iPad Air 13-inch 256GB (Value: HK$7,099)Mac mini (M4, 256GB SSD, 16GB RAM) (Value: HK$4,599) or up to HK$7,800 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher/ HKTVmall e-Voucher!

Valid until 31 Jan 2025 - See more details below
Apply Now
More Details
Standard Chartered Debt Consolidation Program (Applicable to Tax Season)

Monthly Payment

HK$8,736

MoneySmart Exclusive

Standard Chartered Debt Consolidation Program (Applicable to Tax Season)

APR*
4.67%
Total Amount Payable
HK$209,672
Total Interest Payable
HK$9,672
Monthly Payment
HK$8,736

【MoneySmart Exclusive Offer 】Get total rewards up to HK$29,698!
From now on until 31 January 2025, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to Samsung Galaxy Z Flip6  (value: $8,698) or iPad Air 13-inch 256GB (Value: HK$7,099)Mac mini (M4, 256GB SSD, 16GB RAM) (Value: HK$4,599) or up to HK$7,800 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher/ HKTVmall e-Voucher!

Valid until 31 Jan 2025 - See more details below
Apply Now
More Details

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Best Standard Chartered Personal Loans

Standard Chartered Personal LoanLoan AmountFeature
Standard Chartered Personal Instalment Loan (Applicable to Tax Season)Up to 18X salary or HK$4,000,000 (whichever is lower)Early bank loan redemption fees and charges waiver within 7-day cooling-off period
Standard Chartered Personal Instalment Loan Debt Consolidation Program Up to 24X salary or HK$2,000,000 (whichever is lower)Extra stand-by cash of up to 14X salary

Standard Chartered Personal Loan Annualized Percentage Rate (APR)

Standard Chartered Personal LoanAnnualized Percentage Rate (APR)Loan Tenor
Standard Chartered Personal Instalment Loan (Applicable to Tax Season)1.85% - 36% 12 - 60 months
Standard Chartered Personal Instalment Loan Debt Consolidation Program 4.67% - 36%12 - 84 months

Which Standard Chartered Personal Loan Suits Me the Most?

Standard Chartered Bank offers a range of personal loans. MoneySmart has summarised their features and the latest offers from SCB for you below.

Standard Chartered Personal Instalment Loan

Standard Chartered Personal Loan offers a simple application process with preliminary approval in as fast as 5 minutes. The APR starts from as low as 1.85%, with flexible borrowing limits up to HK$4,000,000 or 18 times monthly salary, and repayment periods of up to 60 months. Additionally, Standard Chartered Personal Loan applicants enjoy a 7-day cooling-off period and waiver of early repayment fees. Existing Personal Loan customers can also benefit from a top-up service, allowing them to borrow additional funds or refinance their existing personal loan to address urgent borrowing needs.

Standard Chartered Personal Instalment Loan Debt Consolidation Program

The Standard Chartered Personal Loan Balance Transfer Program offers loans up to HK$2,000,000 or 24 times monthly salary, with personalized interest rates starting from 0.2% monthly flat rate and repayment periods of up to 84 months. This program allows applicants to consolidate their loans and credit card debt in one go, helping to save on interest expenses, while also providing access to additional standby cash of up to 14 times monthly salary, making it suitable for applicants who urgently need to relieve debt pressure.

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Features of Standard Chartered Personal Loan

1. Low Interest Rate

Standard Chartered Personal Loan will customise your interest rate based on your financial situation and needs - which is best for you to turn your financial situation around and save on interest on your loans.

2. High Loan Amount

The loan amount of the Standard Chartered Bank is substantially higher than other financial providers. It offers up to 18X salary or HK$2,000,000 whereas the other banks usually offer up to 12X salary only.

3. 7-day Cooling Period

If you have changed your mind within 7 days after you have taken out your loan, you can repay the loan amount in full with no handling fee or administration fee.

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How to Apply for Standard Chartered Personal Loan?

To be eligible to apply, applicants must be at least 20 years old with fixed annual income of HK$96,000 or above.

To apply, applicants are required to submit below documents:

  • HK Permanent ID Card
  • Proof of residential address
  • Latest 1 months’ computer generated Payroll

Standard Chartered Personal Loan Charges

Standard Chartered Personal Loan Charges include:

1. Handling Fee

Standard Chartered Personal Loan offers handling fee waiver, which can greatly reduce the cost of your personal loans.

2. Early Redemption Penalty

Early redemption penalty (i.e. 2.5% of the outstanding balance) apply to all Standard Chartered Personal Loan unless applicants decide to repay the loan amount in full within 7 days after you have taken out your loan.

3. Change of Loan Tenor

Once the loan is approved, applicants cannot change the loan tenor, but it is possible to request for a higher loan amount and then request for an extended loan tenor.

Standard Chartered Loan Customer Service Hotline

Need to speak to someone at Standard Chartered urgently regarding your loan application? For loan-related inquiries and to follow up on your loan application, you can call SCB hotline at (852) 3408-1628. The hotline operates from Mondays to Fridays from 10am to 7pm.

Frequently Asked Questions about Standard Chartered Bank (SCB) Personal Loan

How long does it take for my SCB personal loan application to be approved and disbursed?

It can be as fast as 5 minutes for a preliminary approval, and another 1 hour for loan disbursement.

How will my loan from Standard Chartered be disbursed?

It will be disbursed directly to clients’ designated repayment account upon application approval.

Can I re-borrow the principal amount that has been repaid from my existing loan?

Yes, you can apply. Standard Chartered will process your application and may agree to provide a top up loan

Why should I choose Debt Consolidation Personal Instalment Loan instead of paying minimum payment of my credit card?

If you consolidate all your credit card debts/ personal loan to one bank, you will pay a lower overall interest rate to ease your burden in financial management.

What is the difference between Personal Instalment Loan and Revolving Cash Card?

  • Personal Instalment Loan requires borrowers to repay the principal and interest monthly at a predetermined interest rate based on the loan tenor you selected.
  • Revolving Cash Card is a credit limit granted to you, designed for standby purposes. The interest is calculated based on the drawn amount on a daily basis.

Do I need a Standard Chartered credit card or bank account to apply for a loan?

No, you’re not required to hold a Standard Chartered credit card or bank account when applying for a personal loan. You can designate a bank account with any other bank or financial institution in Hong Kong for funds disbursement and repayment.