Flexible use of funds

1. "Same Day Fund Disbursement" is only applicable to Personal Instalment Loans Customers. Customers are required to apply in person at the Credit Cards & Personal Loan Center and submit all the required documents and information on or before 3pm on the same application date.
2. The "Personal Accident Protection Plan" and "Involuntary Unemployment Protection Plan" are applicable to customers who have successfully applied for and drawdown a loan under Standard Chartered Personal Instalment Loan and have been enrolled on the plan(s).
   

   a. Accident insurance coverage is up to HK$500,000 as a result of death, permanent total disablement or major burns arising within 12 months from an accident occurring in the geographical area of the Hong Kong Special Administrative Region.

   b. Involuntary Unemployment insurance coverage for each enrolled Personal Instalment Loan Account (the "Account") is up to 3 monthly instalments or HK$20,000 of the Loan (whichever is lower) under each Account. The total number of Accounts entitled to indemnity shall not exceed two. Customers will be covered under this insurance policy as a result of being involuntarily terminated from Permanent and Gainful Employment. This insurance policy does not cover the first 60 consecutive days of each Involuntary Unemployment Period. Please refer to the "Personal Accident Protection Plan" and "Involuntary Unemployment Protection Plan" Service Guarantees for details of exceptions, provisions and terms and conditions. The Service Guarantees will be sent to customers by mail upon approval of Standard Chartered Personal Instalment Loan. The Bank reserves the right to alter or terminate the insurance offers and amend the contents or terms and conditions of the Protection Plans without prior notice at anytime.

3. Standard Chartered Bank (Hong Kong) Limited will have a designated staff to follow up with the customer one to two working days after receiving the SMS. Individual telephone network provider will charge for the SMS in accordance with their own policy.

1. Standard Chartered Bank (Hong Kong) Limited ("the Bank") reserves the right of final approval of this application and is under no obligation to provide reasons. The Bank also reserves the right to determine the final interest rate, loan amount and offers offered.
2. Total loan amount drawdown will be subject to a 1.5% per annum handling fee (including insurance service fee). The Bank will deduct the handling charge from the final approved loan amount.
3. The Bank reserves the right to alter or terminate the offer and amend the contents or terms and conditions of this promotional leaflet at any time.
4. In case of any dispute, the decision of the Bank shall be final.

If you are a Hong Kong resident aged 18 or above with a fixed monthly income of HK$5,000 or above, simply apply via the following channels:

Personal Instalment Loan Calculator