You can use a TPBank secured consumer loan to receive immediate cash for your next family vacation, pay for your dream wedding, furnishing your home, buying a new TV, a new car, or even just household appliances to make your life more comfortable.

Get a generous credit limit of up to 100% of the value of the asset you choose to secure your loan
Choose your terms: 15 year terms for real estate / 4 year terms for cars
Flexible collateral: Secured against your car or house or a relative's land
Choose to pay your principal in monthly or quarterly instalments, and in increasing or decreasing payments as suits you. Interest is paid monthly
Get a one-time disbursement or regular instalments, according to your payment plan
All citizens and legal residents over the age of 18 are welcome to apply
Convert assets such as cars or property into easy cash for your next lifestyle purchase

A TPBank secured consumer loan provides easy access to extra cash you need for life’s larger purchases, with flexible payment plans to suit you.

Fees & Charges
For the full list of all our current interest rates and other fees and charges, please download our latest fees and charges leaflet
These are some of the commons questions we get asked about Consumer Loan
I am not a Vietnamese citizen, but have lived in the country for some time. Am I eligible for a loan?

Yes, you may be. If you are over 18 and have a current Temporary resident permit or Long-term resident permit, with a regular source of income and a car or property as collateral, you are eligible to apply for a loan.

Do I need to be an existing TP Bank customer?

No, anyone who owns a car, real estate or property can apply, whether or not you are an existing customer. We would also be happy to open an account for you when enter into a loan agreement.

To apply for a loan you need to provide:

  • Car purchase contract (for car purchases)
  • House purchase contract, building permit and construction contract (for real estate purchases)
  • National ID card or Passport (for non-Vietnamese citizens)
  • Family register or KT3 or Temporary resident permit
  • Single status certificate or Marriage registration certificate
  • Documents showing you receive a regular income
  • Certificates of real estate or car ownership


What is the maximum loan amount can I get when using a house with 2 billion VND value as collateral?

You can get a maximum of 70% of the house value and no more than 1 billion VND for consumer purpose.

I own both real estate and a car; which one should I use as collateral?

It depends on the amount you wish to borrow and over what period. We offer up to 100% of the value of any car, real estate or property that you or a relative owns. For cars used as collateral, payment terms extend for 4 years and up to 15 years for real estate and property.

I have some real estate in the Hanoi urban area and want to buy a car; which documents do I need to provide?

For a car loan, you need to provide these documents:

  • Car purchase contract
  • Loan application form
  • National ID card or Passport (for non-Vietnamese citizens)
  • Family register or KT3 or Temporary resident permit
  • Single status certificate or Marriage registration certificate
  • Documents showing you receive a regular income
  • Certificates of real estate ownership
I have an old Toyota car; can I use it as collateral for consumer loan?

Yes, you can pledge your car no matter how old for a consumer loan. The value of the loan will be determined by your car's value.

Can I use a Certificate of Land Use Right registered under the name of another person as collateral?

Yes, all you need is for that person to endorse you by submitting an endorsement form and a copy of their National ID card to the loaning bank branch.

How is the interest payment calculated if I settle the loan before maturity?

You only need pay a fee equivalent to 1% of the advance settlement amount. This amount can be confirmed by your bank’s Loans Manager.

I don’t have a regular monthly income so I cannot take out mortgage. Is there any other method to pay off the loan?

You don't need a monthly income. We offer various repayment methods for you to choose from. In this case, you can pay off the interest on a monthly basis and the principal on a quarterly or semi-annually basis. We can discuss what is the ideal repayment schedule with you when you apply for your loan.

If I pledge my house, do I have to purchase a fire insurance policy for it?

Yes, the fire insurance will not only insure the bank’s mortgage, but also insures your own assets against damage.

Get Started
Apply Online
Fill in the online application form and let us know how we can help and where we can reach you.
Get Personal Support from our Lending Specialist
We’ll contact you within 24 hours and meet with you at your convenience to complete the application process.
Approval and Funding
Our credit specialists will assess your application and supporting documents. Approved applications are disbursed within a few days.
What do I need to apply for a TPBank Loan online?
You must be a Vietnamese national or resident
You must be 18 years or older to apply for a credit with TPBank
You must have a Vietnamese mobile number
You must have an email address
You must have a legal identification document