Bank of Asia
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🌏 Singapore · Hong Kong · Tokyo · New York|FDIC Insured · Licensed & Regulated
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Personal Loans
Personal loans from 7.49% p.a. Apply online in minutes. Get a decision fast. No early repayment penalties.
Personal loans are available now. Home and car loans are coming soon — register your interest today.
For any purpose
Rate from
From 7.49% p.a.
Borrow up to
Up to $50,000
Term
12–60 months
Purchase or refinance
Rate from
From 5.89% p.a.
Borrow up to
Up to $2,000,000
Term
Up to 30 years
New or used vehicles
Rate from
From 6.99% p.a.
Borrow up to
Up to $100,000
Term
12–84 months
Rates effective 1 March 2026. Comparison rates based on $30,000 over 5 years (personal) or applicable loan term.
Product
Interest rate
Comparison rate
Term
Min
Max
Personal Loan — Variable
7.49% p.a.
8.12% p.a.
12–60 months
$1,000
$50,000
Personal Loan — Fixed
7.99% p.a.
8.63% p.a.
12–60 months
$1,000
$50,000
Home Loan — Variable
Soon5.89% p.a.
5.92% p.a.
Up to 30 yrs
$50,000
$2,000,000
Home Loan — Fixed (2yr)
Soon5.69% p.a.
5.98% p.a.
Up to 30 yrs
$50,000
$2,000,000
Car Loan — New Vehicle
Soon6.99% p.a.
7.45% p.a.
12–84 months
$5,000
$100,000
Car Loan — Used Vehicle
Soon7.49% p.a.
7.95% p.a.
12–84 months
$5,000
$80,000
* Comparison rates are calculated on a secured loan of $150,000 for a 25-year term (home loan) or $30,000 over 5 years (personal/car). WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.
01
Complete our 5-minute online application. We need basic personal and financial information — no branch visit required.
02
Most personal loan applications receive a decision within minutes. Our credit team reviews more complex applications same-day.
03
Review your loan agreement and sign electronically. Everything is handled through our secure online portal.
04
Funds are transferred to your nominated account within 24–48 hours of approval, often on the same business day.
Apply in 5 minutes. Decision in minutes. Funds in 24–48 hours.