Personal Loan

New Customer Offer
up to
HK$2,000 Cash Coupon1

Personal Loan

OCBC Wing Hang Credit, financing your dream as your essential life partner!

● Smart Tip - Key Facts Statement

New Customer Offer up to HK$2,000 Cash Coupon1

New Customer who applies and successfully drawdown is eligible for up to HK$2,000 cash coupon


Preferential low interest rate

Monthly Flat Rate as low as 0.08%2.

High loan amount

Loan amount can be as high as $1,800,000 or 18 times of monthly salary (whichever is lower).

Long repayment tenor

Repayment tenor can be as long as 60 months.

Customer can enjoy 60-Day Interest-free Payment Holiday3

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

Or New customers handling fee waived4


Enquiry Hotline : 3188 5008


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 Instalment Loan and provides related loan 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.


1. The promotion period of the "up to HKD2,000 Cash Coupon promotion" (“the Promotion”) is from 2 August 2019 to 31 October 2019, both dates inclusive (“Promotion Period”). The Promotion is only applicable to new OCBC Wing Hang Credit customers (“Eligible Customers”) who have not opened or maintained (whether in the customer’s sole name or jointly with any third party) any loan account (including but not limited to Instalment Loan, Mortgage and Revolving Credit) with OCBC Wing Hang Credit Limited (“the Company”) at any time during the 1 month immediately preceding the date of the Eligible Customers’ loan application. Or any existing OCBC Wing Hang Credit customer who has only an active mortgage account also can enjoy the promotion. Each Eligible Customer can only enjoy the Promotion once during the Promotion Period.

Eligible Customers who successfully apply for personal loan (excluding revolving credit) (“Loan”) with the Company and drawdown the approved Loan during the Promotion Period will be entitled up to HK$2,000 cash coupons (“Coupons”).  The value of the Coupons that an Eligible Customer is entitled to will depend on the Loan amount applied for and drawn down, and the details are set out in the table below: -

Loan amount (HK$)

Cash Coupon (HK$)

HK$1,000,000 or above


HK$300,000 to HK$999,999


HK$150,000 to HK$299,999


HK$30,000 to HK$149,999   HK$200


The Promotion cannot be used in conjunction with other special promotions, offers, discounts or promotional coupons, nor be transferred or exchanged for cash or other offers. Should any of the Coupons be lost (including but not limited to delivery lost), stolen or destroyed, the Company will not reissue the Coupons and will not bear any responsibility or liability for any compensation.

The Company is not the supplier of the Coupons. Use of the Coupons is subject to the terms and conditions stipulated by the supplier. The Company assumes no liability or responsibilities for the terms and conditions and any other matters relating to the Coupons. Should there be any dispute or complaint or claim (if any) with regard to the Coupons, the Eligible Customer should make such demand or claim directly with the supplier.

The Coupons will be mailed to the Eligible Customers’ correspondence address within 2 months after the date of drawdown of the Loan. The Promotion is only applicable to Eligible Customers whose loan accounts are in good standing without any past due. If Eligible Customers’ loan account are not in good standing or Eligible Customers have made an early settlement of the Loan, the Eligible Customers’ right to receive the Coupons will be forfeited. In such cases the Company will not mail the Coupons to the Eligible Customers.


2. 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. 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 and has been corrected to 2 decimal places. Using a loan amount of HK$100,000 as an example, the monthly flat rate is 0.08%, the APR applicable to loan tenor of 12 months and 24 months are 3.70% and 3.87%, and 1% p.a handling fee included. The handling fee is payable upon loan confirmation. The interest is calculated based on 365 days per year. The example is for reference only. APR may differ due to different loan amount and tenor. The APR ranged from 3.70% to 48% generally and flexible repayment period of 12 to 60 months, the approval of the final interest rate, loan amount and repayment period is subject to the financial condition of the customer. For details, please contact the staff of the Company.


3. 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 3 July 2017, Borrower can enjoy the 60-Day Interest-free Payment Holiday in the period from 3 July 2017 to 3 September 2017. The first repayment date will be 3 October 2017. If Borrower makes full early settlement within the period from 3 July 2017 to 3 September 2017, 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.


4. In the 6-month period preceding loan application date, new customers should not have any unsecured loans and credit card debts at OCBC Wing Hang Credit and OCBC Wing Hang Bank Limited and its HK subsidiaries. Customers who successfully apply for this instalment loan can enjoy an annual 1% handling fee waiver. Should customers choose to make full repayment prior to the final repayment due date, they are subject to payment of the full amount of the handling fee previously waived and the charges to be paid to OCBC Wing Hang Credit in case of early repayment of the loan as specified in the Promissory Note.


Customers who are entitled with the offer of Instalment Loan (the "Offer") and the Promotion are bound by the terms and conditions of this program, related loan application form and loan documents. Please contact the staff of OCBC Wing Hang Credit 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 OCBC Wing Hang Credit, please contact the staff of OCBC Wing Hang Credit for details and enquiries. The Company reserves the right to amend, extend, terminate or cancel the Promotion and amend the terms and conditions at any time without prior notice. 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.

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

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

For more details or enquiries, please visit our branches, or contact us.

3 ways to apply

Visit our branches with your supporting documents