Personal Loan


Take Care Of Your Needs Anytime

Supporting Your Life Goal

Personal Loan

Dream constitutes ideal life.  Different needs arise at different life stages. OCBC Wing Hang Credit supports you to realize your dream continuously, and takes care of what you need anytime. We are also a witness of your every important moment! Our dedicated customer service officers will follow-up your loan application.

● Smart Tip - Key Facts Statement, Terms and Conditions

Preferential low interest rate

APR as low as 3.30%1

High loan amount

Loan amount can be as high as $1,200,000

Long repayment tenor

Repayment tenor can be as long as 60 months.


Example en




Application Hotline :

(+852) 2201 7822


Other Special Personal Loan to meet your different needs

"60-Day Interest-free Payment Holiday" Personal Loan2


"60-Day Interest-free Payment Holiday" Personal Loan gives you $0 interest for first 60 days and within the Interest-free Payment Holiday, no penalty will be charged for full loan repayment.




OCBC Wing Hang Credit Limited (“Company”) is the wholly-owned subsidiary of OCBC Wing Hang Bank Limited. The Company is the entity which processes the application of the Personal Loan and provides the loan and related services. Customer can submit application through the branches of the Company and OCBC Wing Hang Bank Limited. To enquire the relevant terms and conditions, please contact the staff of the Company.


Notes regarding the Personal Loan:

1. Annualized percentage rate("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. The APR ranged from 3.30% to 48% generally and the minimum repayment period and maximum repayment period is of 6 months to 60 months. APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis. The APR has been corrected to 2 decimal places. If the loan amount is $1,000,000, the monthly flat rate for 12 months and 24 months is 0.063% and 0.065%, if the loan is approved finally by the Company, the APR for 12 months and 24 months is 3.30% and 3.50%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,007,532 and HK$1,015,560. The loan handling fee is to be paid in full upon loan drawdown. The interest rate is calculated based on 365 days per year. Example is for reference only.  The APR may differ with different loan amounts and tenors.  For details, please contact our staff.


2. "60-Day Interest-free Payment Holiday" Personal Loan

During the period between the date of drawdown of the Loan and one calendar month before the First Repayment Date (“60-Day Interest-free Payment Holiday”), the Borrower can repay the Company the full amount of Loan in one lump sum at any time, together with the relevant handling fee. Interest for a period of up to 60-Day and early repayment penalty or fees (except the handling fee) shall be waived. Partial prepayment of the Loan is not permissible. E.g. If Borrower draws the loan on 5 July 2021, Borrower can enjoy the 60-Day Interest-free Payment Holiday in the period from 5 July 2021 to 5 September 2021. The first repayment date will be 5 October 2021. If Borrower makes full early settlement within the period from 5 July 2021 to 5 September 2021, not only the privilege of Interest-free Payment Holiday can be enjoyed but also the early settlement penalty can be waived. In case of any early repayment after the 60-Day Interest-free Payment Holiday, interest, early repayment penalty and other fees will be charged and calculated as specified in the Promissory Note and the Loan Terms and Conditions. If full early repayment is not made during the 60-Day Interest-free Payment Holiday, interest will be charged and calculated from one calendar month before the First Repayment Date. For loan tenor 12 months or below, the handling fee is 1.5% per annum. For loan tenor above 12 months, the handling fee is 1% per annum. The handling fee for the entire loan tenor is payable upon loan confirmation.


"60-Day Interest-free Payment Holiday" Personal Loan - Key Facts Statement 


Customers who are entitled to the offer of Personal Loan (the "Offer") and the Promotion are bound by the terms and conditions of the Promotion, related loan application form and loan documents. Please contact the staff of the Company for details and enquiries of related terms and conditions and charges details. Loan amount, interest rate, monthly repayment amount and repayment tenor applicable to individual applicant may be different and is based on the final approval status of the Company; please contact the staff of the Company for details and enquiries. The Company reserves the right to amend, extend, suspend, terminate or cancel the Promotion and/or the terms and conditions or any parts thereof from time to time and at any time without prior notice or consent. In case of any dispute, the decision of the Company shall be final and conclusive. The Company reserves all the final decision on determining the interest rates, amending the terms and conditions in respect of the Loan, and approving the loan application. Reference will be made to the customer’s credit reports and the Company reserves the right to reject the loan application without specifying any reasons for its decision and interpretation, which shall be final, conclusive and binding on all.


The English version shall prevail if there is any inconsistency between the English and Chinese versions.


Before you make request for early repayment for Instalment loan, please refer to "FAQ" of this website.


For details or enquiries about the related terms and conditions, please contact us.


To borrow or not to borrow? Borrow only if you can repay!

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