Compare the Best Standard Chartered Personal Loans Rates and APR as low as 1.85% 2026
Compare Standard Chartered personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now!
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We found 2 Standard Chartered Personal Loans for you!
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Valid till 31 Jul 2026
【MoneySmart Exclusive Offer】🕊️ Enjoy brand new SAMSUNG Galaxy S26 !📱
From today until 31 July 2026, customers successfully apply for Standard Chartered Personal Loan via MoneySmart and draw down the designated loan amount, enjoy exclusive gift from MoneySmart:
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Valid till 31 Jul 2026
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Best Standard Chartered Personal Loans
| Standard Chartered Personal Loan | Loan Amount | Feature |
|---|---|---|
| Standard Chartered Personal LoanStandard Chartered Personal Instalment Loan (Applicable to Tax Season) | Loan AmountUp to 18X salary or HK$4,000,000 (whichever is lower) | Feature Early bank loan redemption fees and charges waiver within 7-day cooling-off period |
| Standard Chartered Personal LoanStandard Chartered Personal Instalment Loan Debt Consolidation Program | Loan AmountUp to 24X salary or HK$2,000,000 (whichever is lower) | Feature Extra stand-by cash of up to 14X salary |
Standard Chartered Personal Loan Annualized Percentage Rate (APR)
| Standard Chartered Personal Loan | Annualized Percentage Rate (APR) | Loan Tenor |
|---|---|---|
| Standard Chartered Personal LoanStandard Chartered Personal Instalment Loan (Applicable to Tax Season) | Annualized Percentage Rate (APR)1.85% - 36% | Loan Tenor12 - 60 months |
| Standard Chartered Personal LoanStandard Chartered Personal Instalment Loan Debt Consolidation Program | Annualized Percentage Rate (APR)4.67% - 36% | Loan Tenor12 - 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.
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.
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
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.
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.