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Express MoneyExpress Money

Express Money

Cash will be disbursed as quickly as 15 minutes. No show, no income and address proofs required by applying via Dah Sing e-Express Loan Application

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Latest Offer

Up to HK$2,600 cash rebate/ cash rewardFirst Bank to Launch Full Virtual Loan ApplicationUp to HK$2,000 1-Month Instalment RebateHK$100 cash reward for successful online application

Up to HK$2,500 Cash Rebateiv

  • Applicable to customers with a loan tenor of 12 months or above
  • Eligible customers who apply for Express Money should maintain or successfully apply Dah Sing ONE+ Credit Card at the same time to enjoy the Cash Rebate. For details of Dah Sing ONE+ Credit Card, please click here.


HK$100 Cash Rewardv

  • Only applicable to customers who use the Bank's account for loan repayment and disbursement (not applicable to FlexiMoney Overdraft facility accounts / joint-name accounts)
  • The cash reward will be issued in form of cash coupons and will be mailed to the relevant customers' correspondence address on or before 31 May 2020.

Dah Sing Bank became the first Hong Kong bank to offer full virtual loan application, with complete waiver of income and address proof and without requirement for customers to visit branches. Customers can easily apply Express Money through "e-Express Loan Application" by performing identity authentication and taking selfie via smart phone. Cash will be disbursed as quickly as 15 minutes.

First 500 customers who successfully apply Express Money with a repayment tenor of 48 months or above during
1 December 2019 to 29 February 2020 through Dah Sing Bank Mobile App and drawdown the Loan on or before
31 March 2020 are entitled to 1-Month Instalment Rebate up to a maximum of HK$2,000.

  • Applicable to customers who successfully apply for a Express Money through the Bank's website (www.dahsing.com) or Dah Sing Bank Mobile App during the Promotion Period
  • The cash reward will be issued in form of cash coupons and will be mailed to the relevant customers' correspondence address on or before 31 May 2020.

Promotion period is from now until 31 March 2020.

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Product Features

Interest Rate Table xiii, xiv

Loan Amount (HK$) Selected Customersxii
Monthly Flat Rate 12 months loan tenor 36 months loan tenor
Annualized Percentage Rate
(Calculated based on the middle value loan-amount range)
Monthly Repayment Amount (HK$)
(Calculated based on a HK$10,000 loan amount)
Annualized Percentage Rate
(Calculated based on the middle value loan-amount range)
Monthly Repayment Amount (HK$)
(Calculated based on a HK$10,000 loan amount)
Including Cash Rebate Excluding Cash Rebate Including Cash Rebate Excluding Cash Rebate
$1,000,000 0.110% 1.98% 2.45% $844 2.40% 2.57% $289
$800,000 - $999,999 0.160% 3.37% 3.58% $849 3.66% 3.73% $294
$500,000 - $799,999 0.215% 4.54% 4.84% $855 4.91% 5.02% $300
$200,000 - $499,999 0.296% 6.41% 6.69% $863 6.80% 6.90% $308
$50,000 - $199,999 0.327% 7.26% 7.42% $866 7.57% 7.63% $311
$5,000 - $49,999 0.387% 8.43% 8.79% $872 8.87% 9.00% $317

 

 

Loan Amount (HK$) Normal Customers
Monthly Flat Rate 12 months loan tenor 36 months loan tenor
Annualized Percentage Rate
(Calculated based on the middle value loan-amount range)
Monthly Repayment Amount (HK$)
(Calculated based on a HK$10,000 loan amount)
Annualized Percentage Rate
(Calculated based on the middle value loan-amount range)
Monthly Repayment Amount (HK$)
(Calculated based on a HK$10,000 loan amount)
Including Cash Rebate Excluding Cash Rebate Including Cash Rebate Excluding Cash Rebate
$1,000,000 0.150% 2.88% 3.36% $848 3.33% 3.50% $293
$800,000 - $999,999 0.170% 3.60% 3.81% $850 3.89% 3.97% $295
$500,000 - $799,999 0.225% 4.77% 5.06% $856 5.15% 5.25% $301
$200,000 - $499,999 0.320% 6.97% 7.25% $865 7.36% 7.46% $310
$50,000 - $199,999 0.348% 7.74% 7.90% $868 8.06% 8.11% $313
$5,000 - $49,999 0.426% 9.37% 9.73% $876 9.80% 9.93% $321
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Anytime re-borrow without re-applying for a loan account

New job starters may apply simply by providing an employment letter or employment contract

Express Money Plus offers flexible financial solutions by settling existing debts and providing extra cash-out

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The APR ranges from 1.98% - 48%, with repayment tenor of 6 - 60 months.

Example of Express Money: Assume the loan amount is HK$1,000,000, with 12-month loan tenor and 0.11% monthly flat rate,

APR including HK$2,500 cash rebate is 1.98%, the total interest is HK$13,196 and total repayment amount is HK$1,013,196.

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Dah Sing Personal Loan Video

Chinese Version only

Chinese Version only

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Apply Now!

Successful application are entitled to Up to HK$2,000 1-Month Instalment Rebate [For applications via Dah Sing Bank Mobile App only]vii

Download
Dah Sing Bank Mobile App

Or scan the below QR Code
to apply via "e-Express Loan Application"
for instantly approved loan amount and loan disbursement3,4


Enquiry Hotline 2828 8111

Fax Application 2232 5978

SMS Application 6828 8222

Please enter (1) Name, (2) Loan Amount and (3) Repayment Tenure (e.g. Lam Siu Man, 50,000, 24) in sequence. A designated staff from the Bank will follow up with the applicant on the next working day after receiving the SMS by calling the number from which the SMS was sent. Individual telephone network provider will charge a fee for SMS in accordance with their fee charging scheme. Please contact your network operator for details.



Depending on actual data transmission speed, the whole application process (including approval result) would take approximately 15 minutes.



Subject to the relevant terms and conditions. For details, please click here.



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

This service/product is not targeted at customers in the EU