Compare the Best DBS Personal Loans Rates and APR as low as 1.88% 2026
Compare DBS personal loans in Hong Kong. Pick the best APR APR as low as 1.88% and apply through MoneySmart to get exclusive offers and cashback now!
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We found 3 DBS Personal Loans for you!
⚡14-Day Flash Deal ⚡ Total Rewards Up to HK$48,600【💰Lower Your Interest - Smarter Debt Management Starts Here! 】
Earn an extra HK$800 cash upon applying via MoneySmart + New customers successfully apply and drawdown DBS Debt Consolidation Loan, get up to HK$23,800 rewards + MoneySmart exclusive reward up to extra 215,000 SmartPoints! Successfully drawdown the loan amount of HK$100,000 or above, you will receive an extra of HK$2,500 Cash!
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1️⃣ 【14-Day Limited】⚡Get extra HK$800 cash 💰regardless of approval
From now until 19 July 2026, customers who successfully applied for a designated loan via MoneySmart and submit the required documents can enjoy HK$800 cash (automatically converted by 8,000 SmartPoints) directly deposited into your FPS account - regardless of approval!
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2️⃣ 【14-Day Only】🔥 Successfully drawdown the loan amount of HK$100,000 or above, you will receive an extra of HK$2,500 Cash!
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3️⃣ 215,000 SmartPoints can fully redeem HK$21,500 cash vouchers or iPhone 17 Pro Max 512GB (value: HK$11,899) or Apple Macbook Pro 14" M4 Chip (value: HK$12,999)! The Reward Store has more options to choose from! ✨
Valid till 19 Jul 2026
【July Exclusive Offer 🎊 Get up to a total of HK$20,600 rewards】
New customers successfully apply via MoneySmart and drawdown DBS Personal Instalment Loan can get up to HK$16,300 rewards + MoneySmart exclusive reward up to extra 43,000 SmartPoints!
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MoneySmart exclusive reward - up to extra 43,000 SmartPoints!
43,000 SmartPoints can fully redeem HK$4,300 cash vouchers or GoPro HERO13 Black Action Camera (Value: HK$3,200) or Apple Watch Series 11 (GPS) - 46mm (Value: HK$3,399). The Rewards Store has more options to choose from!
Valid till 31 Jul 2026
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Best DBS Personal Loans in Hong Kong
| DBS Loan Plan | APR | Feature |
|---|---|---|
| DBS Loan PlanDBS Personal Instalment Loan | APRAs low as 5.91% | FeatureHassle-free application with just your HKID |
| DBS Loan PlanDBS Debt Consolidation Loan | APRAs low as 6.49% | FeatureEnjoy instalment period up to 84 months |
How to Apply for DBS Personal Loan?
Choose Your Loan Product
Find a suitable DBS loan product that best fits your financial needs. Make sure you read the fine print and understand the loan structure. Once selected, fill in the application form and submit all the required documents. You can also submit an application on the DBS website or DBS Loans app.
Wait for Your Loan Approval Result
For the DBS Personal Instalment Loan, the application result is instant once you upload your HKID, which cuts short the loan approval process to as little as one minute. Otherwise, a DBS Loan Specialist will contact you after reviewing your application to confirm the terms of the loan.
Disbursement of Your Loan
If you opt for the DBS Personal Instalment Loan, once approved, the loan will be disbursed into your designated bank account on the same day. For the Debt Consolidation Loan, DBS will disburse the loan amount directly to your outstanding credit card accounts. There is no disbursement for the Cashline Revolving Loan until you decide to withdraw against your credit limit.
DBS Loan Offers & Promotions
DBS may offer seasonal promotions for their personal loan products, for example, a cash coupon for online application or reduced promotional interest rate for new customers. While such promotions are tempting, a personal loan is a major financial commitment and it would be unwise to base your decision on a limited-time-only offer. Check the terms of each loan type to make sure that it's the right one for your needs before you apply for it. Also, note that the bank may choose to claw back the offer in certain scenarios, such as if you decide to make early repayment of your loan.
DBS Loan Application Requirements
The basic criteria for DBS personal loans are listed above. Minimally, you must be a Hong Kong resident, at least 18 years old, and earn HK$80,000 a year. More stringent criteria will apply if you opt for the DBS Debt Consolidation Loan. You will need to furnish your HKID card and disbursement account to apply for a loan, as well as the following:
Proof of income
Residential proof
DBS Loan Fees & Charges
We have discussed interest rates and loan structures quite a bit above, but it is also important to know about any hidden fees that DBS might charge.
Handling Fee
For personal instalment loans, DBS charges 2% handling fee depending on your principal loan amount. By law, all banks must include the handling fee in the stated APR interest rate.
Late Repayment Fee
It pays to be punctual with your personal loan or debt consolidation loan repayments. Otherwise, you'll be charged HK$1,000 for each month you do not make the monthly payment in full when it's due.
Early Settlement Fee
Want to settle your personal loan ahead of schedule? DBS charges a hefty fee of 12% multiplied by the number of years left on the loan. So if you have 3 years left on the loan tenure, that's 6% of the principal you need to pay. This is a potential cost to bear in mind when deciding on your loan tenure - it doesn't always make sense to choose the longest option, even if the instalments are smaller.
Frequently Asked Questions
What is the interest rate for DBS personal loans?
- Generally, DBS charges APRs of 5.91% to 7.03% for their personal loans. The bank has final say on how much interest to charge each individual customer, and they may tailor the interest rate depending on your profile and financial situation.
Can foreigners get a DBS loan in Hong Kong?
- If you are a foreigner but are registered as a Hong Kong resident, i.e. you have a valid Hong Kong ID card, you can apply for a DBS loan. However, the DBS debt consolidation loan is only open to Hong Kong permanent residents (those who have lived in Hong Kong for at least 7 years).
Can I repay a DBS personal loan early?
- Yes, but not that you’ll need to pay the outstanding loan principal, any outstanding handing fee, interest up to the next repayment date, and an early settlement administrative fee. The fee is calculated at 2% per annum on the original loan amount for the remaining loan period (with partial years counted as full years). Before deciding to settle early, carefully evaluate whether the administrative fees would exceed your potential interest savings.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies, and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.