Loan purpose: Consume, purchase furniture, houseware, entertainment, tourism, wedding,...

Limit amount of 100 million VND and maximum loan term of 12 months
Customer can freely use the fund within issued limit
Interest is calculated monthly and debit into account, customer can repay principal and interest directly into overdraft account within issued overdraft term
Collateral is not required
Fees & Charges
For the full list of all our current fees and charges, please download our latest fees and charges leaflet
These are some of the commons questions we get asked about Non-secured Overdraft
How the interest is calculated if I use this product?

Monthly interest will be calculated based on  actual limit and actual day of loan usage( for example, if you are issued limit of 100 million VND but only use 50 million VND in 10 days than the interest is calculated only based on 50 million VND and 10 days, the interest will be debit into your overdraft account)

Which types of personal account overdraft do TPBank have?

TPBank has two types of personal account overdraft: secured overdraft(car, real estate, Passbook/Valuable paper/Certificate of gold kept) and non-secured overdraft

When can I repay the principal and interest?

You can repay into overdraft account at any time within overdraft term issued. However, at the end of limit issued term, you have to repay all debit balance in order to make overdraft account balance ≥ 0

How is the interest rate calculated?

The interest rate is calculated based on the actual days and amount of the loan. Interest is calculated daily and automatically by TPBank system, and is recorded on 25th of each month. In case you get the overdraft and repayment in the same day, no charge is applied.

I want to apply for TPBank Non-secured overdraft, which documents do I need to provide?

You will need to provide these documents:

1.Personal documents: National Id, Family register
2.Loan application
3.Income documents: Labour contract,  Appoint decision

Which ATM posts can I withdraw money from?

You can withdraw your overdraft from all the ATMs of TPBank and other banks in the network system of TPBank

My company is currently paying salary via TPBank account, however I have been working at the company for 1 month, can I apply for the loan?

No. The product requires minimum working time at the company of 3 months.

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