SHB Finance unsecured loan instructions for quick disbursement 2022

When you need low interest unsecured loan, customers will have a lot of choices between financial companies or banks. However, choosing a suitable credit institution is not an easy thing. In this article, I will introduce SHB Finance, a financial company under SHB bank.

Through the content of this article, you will know some information such as:

How is SHB Finance a financial company?

What is SHB Finance's unsecured loan interest rate?

Unsecured loans are being supported by SHB.

Conditions and instructions for SHB unsecured loans.

Let's find out together!

Apply for a loan from SHB Finance


A little bit about SHB Finance

SHB Finance full name is Saigon - Hanoi Commercial Joint Stock Bank Finance Company Limited, operating in the field of cash lending for personal consumption purposes. As of June 30, 2018, the charter capital of SHB Finance is VND 1,000 billion and is 100% funded by SHB.

SHB Finance supports unsecured loans with low interest rates
SHB Finance supports unsecured loans with low interest rates

SHB Finance provides many different services but mainly mortgage and unsecured lending services. SHB Finance's customers belong to many industries with different incomes. From employees to employees.

Evaluate the advantages and limitations of unsecured loans of SHB Finance


As a finance company established and supported with 100% capital from SHB, of course SHB Finance will inherit both the experience and support from SHB.

Therefore, unsecured customers of SHB Finance will have many advantages such as:

  • Support two forms installment loan traditional and online loans directly on the website.

  • The loan limit is much higher than that of other credit institutions, up to a maximum of 100 million VND.

  • Low and stable interest rate, only from 1.6%/month

  • Simple profile, fast loan support, quick disbursal

  • The team of consultants is experienced and enthusiastic.


Besides the outstanding advantages, when borrowing capital from SHB Finance, there are still some limitations such as:

  • SHB Finance's unsecured loan interest rate is quite high compared to other forms of loans.

  • Must demonstrate a minimum income of 3 million VND/month.

  • Forfeit penalty fees if you pay off your loan early.

Information about SHB Finance unsecured loan package

PartnerSHB Finance
Interest rate22 – 32%
Level100 million
Duration6 - 36 month
Income3 million

  • Account maintenance and management fees (if any)

  • Late payment fee

  • Prepayment fee

  • Commitment fee (if any)

  • Service charge

Are unsecured loans at SHB Finance reputable?

SHB Finance is a finance company legally operating under the management of SHB bank. Borrowing money at SHB Finance is completely reputable. All terms, calculation of interest, date of payment of interest and principal are clearly stated in the contract and will be applied as such.

Conditions for borrowing money from SHB Finance

Conditions for borrowing money from SHB Finance include:

  • Be a citizen of Vietnam

  • Belongs to the age of 20 years and older

  • Have a minimum income of 3 million VND/month

  • Have a valid CCCD/ID card

  • Have a copy of the household registration book

  • Not in the bad debt group.

Consumer loan interest rate SHB Finance

SHB's unsecured loan interest rate is calculated based on the gradually decreasing loan balance and depending on the specific loan type, ranging from 1.6% - 2.7%. To check the applicable interest rate and the amount to be paid each month when borrowing money from SHB Finance, customers can contact a consultant for detailed inspection instructions.

Reference: SHB bank red book mortgage loan interest rate

Forms of borrowing money from SHB Finance

SHB Finance is quite diverse in loan forms, including 4 basic types of loans including:

  • Unsecured loan according to salary

  • Borrow money under business license

  • Borrowing under a life insurance policy

  • Borrowing according to electricity bill

SHB unsecured loan by salary


  • Loan limit: 10 times salary, up to 100 million VND

  • Applicable interest rate: from 1.6%/month

  • Installment period: 6 - 36 months


  • Having income from salary transfer or cash at the company, organization, enterprise

  • Having a labor contract, a letter of appointment to a position

  • No bad debt, attention debt

  • Contract validity period is at least 6 months


  • Labor contract / salary confirmation / position appointment letter

  • Salary statement / salary confirmation / pay slip

  • ID card or ID card

  • Household

See also: borrow money according to the lowest interest rate payroll

SHB unsecured loan under business license


  • Support small business customers, business households

  • Loan limit from 10 to 70 million VND

  • Interest rates apply from 1.6 to 2.7%


  • Self-employed customers

  • Age from 20 to 60

  • Have all permits and documents as required


  • ID card/ID card

  • Household

  • Business license or contract to rent stalls or premises

See also: borrow money under a business license with preferential interest rates

SHB unsecured loan under life insurance


  • Applies to customers whose names are listed on life insurance

  • Maximum loan limit 70 million VND

  • It is the form of loan with the lowest interest rate

  • Installment period up to 36 months


  • The customer is in the name of the buyer on the insurance contract

  • Insurance valid for more than 1 year

  • Minimum payment amount 3 million/year

  • Customers with stable income


  • ID card or citizen identification card

  • Life insurance contract

  • Invoice of the most recent payment

  • Household

See more: unsecured loans under life insurance with interest rates from only 1.66%/month

SHB unsecured loan according to electricity bill


  • Apply to customers who have electricity bills in their name

  • Maximum loan support 50 million VND

  • Loan period from 6 to 36 months

  • Interest rates apply from 1.6 to 2.7%


  • The customer is in the name of the owner of the electricity bill

  • Living at the address on the electric bill

  • Minimum electricity bill 500,000 VND/month


  • Personal profile including ID card/ID card and Household registration

  • Electricity bill code

See also: fast disbursement of money by electricity bill

Instructions for unsecured loans SHB Finance Online

In addition to the traditional unsecured loan form of SHB Finance, it means that customers are consulted and made documents directly by a credit officer. The form of unsecured loans SHB Online has also been deployed in parallel to support customers in areas where there are no branches of SHB. low interest unsecured loan.

Online unsecured loan support area at SHB Finance

Areas that support SHB Finance Online unsecured loans are in the following table:

Ho Chi MinhTay NinhLong An
Binh DuongDong NaiBinh Phuoc
Tien GiangBac LieuAn Giang
Ca MauCan ThoDong Thap
Hau GiangKien GiangSoc Trang
Tra VinhVinh LongBen tre
DanangQuang NgaiQuang Nam
HanoiVinh PhucBac Ninh
Bac GiangThai NguyenHai Duong
Quang NinhThanh HoaNghe An

Steps to apply for an online loan at SHB Finance

Step 1. Visit SHB Finance website here

Step 2. Click the register now button running along the Website. New interface appears for you to register Borrow money online at SHB.

Apply for SHB loan easily via Online channel
Apply for SHB loan easily via Online channel

Step 3. Fill out the registration form completely including:

  • First and last name

  • Phone number

  • ID/ID card number

  • Date of birth

  • Temporary residence area

Then click send

Step 4. After receiving registration information from customers. SHB consultant will call back to advise on the appropriate form of quick loan, interest rate, loan limit, monthly payment amount...

Step 5. When the customer agrees to the loan. The amount will be disbursed directly to the ATM card or customers go directly to SHB branch to receive money.

The fastest disbursal of Mirae Asset unsecured loans

How to pay SHB Finance installment loan contract

Payment at SHB Finance branch

This is the safest way to pay. Customers can go directly to SHB branches and transaction offices nationwide to pay the contract.

SHB loan contract payment process follows the following steps:

  • Step 1: Go to the nearest SHB bank branch

  • Step 2: Provide loan contract number for employees to check loan information, amount to be paid.

  • Step 3: Check information and pay money

Note: Remember to keep the invoice for verification in case of need.

List of SHB branches here

Payment at VNPost system

VNPost system is a collection agency system with a wide network throughout Vietnam. Customers can pay the loan contract at SHB Finance through the VNPost system.

List of VNPost system here

Payment on e-wallets

Customers can also pay SHB Finance installment loans through linked e-wallets such as Momo, Viettel Pay or Payoo..

Instructions for paying via Momo:

  • Step 1: Go to the Momo app.

  • Step 2: Go to the SHB contract payment section in the order “All services -> Consumer loan contract payment -> SHB Finance”

  • Step 3: Enter contract number, check information, amount.

  • Step 4: Click pay to finish.

Payment via Internet Banking

Customers can pay by bank transfer to SHB Finance's account number as follows:

  • Beneficiary's name: Saigon - Hanoi Commercial Joint Stock Bank Finance Company Limited.

  • Beneficiary account number: 1111686868.

  • Beneficiary bank: Saigon - Hanoi Commercial Joint Stock Bank (Han Thuyen Branch).

  • Transfer content: Loan contract number _Full name_ID number/CCCD.

Shinhan Finance unsecured loan instructions for fastest disbursement

Some questions when taking unsecured loans from SHB Finance

How to check SHB loan?

In case of want SHB Finance loan checkplease follow these steps:

  • Step 1: Access the website and select "Look up information".

  • Step 2: Enter the contract number and ID card number, then enter the capcha code on the screen and press "Look up information". The screen will display full information about the loan amount, loan term, installment payment, etc.

Can bad debt get unsecured loans from SHB Finance?

Depending on which bad debt group the customer belongs to, SHB Finance will support. Customers with outstanding debt, group 1 debt will be considered for support to borrow money from SHB Finance, groups 2, 3, 4, 5 will not be supported.

How long does it take to disburse SHB Finance loan documents?

SHB Finance's unsecured loan application process only takes 1-2 working days to be disbursed to customers as quickly as possible.

When is the application denied?

Some of the following cases will not be loaned by the company:

  • Bad debt

  • Debt to more than 3 credit institutions (if you owe more than 3 institutions, you should take an unsecured loan from Orient Bank OCB or borrow at Tima financial floor)

  • Outside the service scope of SHB-Finance specified (see the list above).


SHB Finance aims to become one of the pioneering financial companies applying technology to quickly meet urgent financial needs, while improving service quality and convenience for customers.

This is the operational orientation of SHB Finance in the coming time. Hopefully, through this article, you have found yourself a reliable unsecured loan address.

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