From 20 April 2024, we will be introducing a new fee on cash payments for hire purchase instalments and related charges.

Key Features



A financing solution that helps you care for your vehicle. Ranging from car servicing packages, repairs, paintwork to tyres and accessories, our authorised partners will have all your vehicle needs covered. Not only automotive products and services, but also home improvement and furnishing, electronics and appliances.
  • Eligibility Criteria
  • Required Documents
  • Fees & Charges
  • Terms & Conditions
  • FAQs
  • Registered Vendors
  • Eligibility Criteria

    Eligibility Criteria

    1.  Open to Brunei Citizens and Permanent Residents
    2. Minimum Age – 18 years old up to maximum 65 years old (at the end of loan tenor)
    3. Open to various employment sectors, including but not limited to:
      • Government Sector
      • Government Linked Companies
      • Private sector
      • Government Pensioner
      • Self-Employed/Businessman (Sole Proprietor/Partnership/Limited Company’s Director using business income as evidence of income)

  • Required Documents

    Required Documents
    1. Valid Identity Card or Passport
    2. Latest Confirmation Letter of Employment
    3. Latest 3 months pay slip
    4. Latest updated 3 months Bank Statement
  • Fees & Charges

    Fees & Charges

    1. A one-time administrative and processing fee of BND30 upon approved application
    2. EIR/APR is subject to the financing tenor as per the following table:

    Financing Tenor

    Flat Rate


    6 Months



    12 Months



    18 Months



    24 Months



    30 Months



    36 Months



    42 Months



    48 Months



    54 Months



    60 Months



    3. Overdue interest of 1.25% per month will be charged on the late instalment amount for the overdue period
    4. Charges of BND30 shall be levied on the scheduled payment date if a standing instruction for payment is unsuccessful due to insufficient funds in your account
    5. Other fees and charges that may be applicable

  • Terms & Conditions


    1. TERM. The total amount of the Borrowed Money, including principal and interest, shall be due and payable by the number of monthly repayments as specified in the Repayment Schedule attached hereto (hereinafter known as the “Repayment Schedule”). 

    2. PURPOSE. The Borrower intends to procure and/or obtain products and/or services from a service provider and the Borrower has applied for a loan from the Lender to assist to pay or settle the fees due and payable to the said service provider. 

    3. DISBURSAL. The Lender shall release and pay the Borrowed Money or any part thereof directly to the service provider upon the Lender’s receipt of the invoice issued by the said service provider. 

    4. PAYMENTS. The Borrower agrees to repay the Borrowed Money to the Lender commencing on the 28th day of each month as specified in the Repayment Schedule and thereafter on the same day of each and every succeeding month. All payments made by the Borrower shall be first applied to any accrued interest and second to the principal balance. 

    5. LATE PAYMENT. If the Borrower is late by more than 7 days for any payment due, it shall be considered late. If a payment is late, the Borrower shall be charged late payment interest at the rate of 1.25% per month. 

    6. ACCELERATION. The Lender shall have the right to declare the Borrowed Money to be immediately due and payable on demand, including interest owed, if any of the events are to occur:

    1. Default. If the Borrower should default on any of the conditions of this Agreement; or
    2. Fraud. If the Borrower committed any fraud to obtain this loan.

    7. DISCLOSURE OF INFORMATION. The Lender is hereby irrevocably authorized by the Borrower to disclose any personal or other information whatsoever regarding the Borrower, any information regarding the status and balances of the Borrower’s accounts, the outstanding balance of the Borrowed Money due and payable and any information relating to or in connection with the Borrower’s account, to any or all of the following : 

    1. any person participating in the provision of services to the Lender (including, but not limited to, debt collection, legal , accounting, auditing, printing or mailing [of cheque book, passbook, stationery or other documents], management, repossession, insurance, delivery, electronic and investigation services) whether in Brunei Darussalam or outside Brunei Darussalam, under or in connection with this Agreement or the enforcement thereof;
    2. the police or other public officers conducting an investigation in connection with any offence or suspected offence;
    3. the Brunei Association of Banks, other banks, finance companies, financial institutions or insurance credit or charge card companies;
    4. the Ministry of Finance and Economy or any other person, entity or authority, having jurisdiction over the Borrower, any court of law, in Brunei Darussalam or elsewhere for any purpose whatsoever;
    5. any insurer, guarantor or provider of security in relation to the Borrower or any account(s), or the auditor of the Borrower or any member, partner, director or shareholder of the Borrower;
    6. any company body or authority or party to whom the Lender is associated with (including the parent or holding company, subsidiaries or associated or related companies, Baiduri Bank Berhad), the Lender’s head office, branches, representative offices in Brunei Darussalam or overseas, for any purpose or purposes whatsoever;
    7. any association or body of which the Lender is a member of.

    The Borrower hereby irrevocably consents to the above disclosure of information and confirms that the Lender shall be under no liability for disclosing or furnishing such information whether before, on or after the date of this Agreement. For more details, visit the Lender’s privacy policy page which is located at or request for a physical copy of the Lender’s privacy policy from the Lender. 

    8. SEVERABILITY. If any provision of this Agreement or the application thereof shall, for any reason and to any extent, be invalid or unenforceable, neither the remainder of this Agreement nor the application of the provision to other persons, entities, or circumstances shall be affected, thereby, but instead shall be enforced to the maximum extent permitted by law. 

    9. COSTS AND EXPENSES: The Borrower shall pay to the Lender all costs of collection, including reasonable attorney's fees, the Lender incurs in enforcing this Agreement. 3 HP97 (1,03/06/2023) 

    10. GOVERNING LAW. This Agreement shall be construed and governed by the laws of Brunei Darussalam (“Governing Law”).

  • FAQs

    frequently asked questions

  • Registered Vendors

    registered vendors

    Coming soon.

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Important update
19 September 2023

We would like to inform you that with effect from 31 October 2023, Business i-Banking service will no longer be operational, and this will be replaced with our new Baiduri b.Digital Business service.

If your company has not transitioned to b.Digital Business, please ensure that every existing user provides the following by 8 October 2023 through the Business i-Banking Inbox:
  • User’s full name
  • User’s valid Identification Card (IC) or Passport
  • User’s mobile number
  • User's company assigned email address (General company email is not accepted e.g., [email protected])

Alternatively, you can complete the b.Digital Business Amendment Form and submit the form(s) directly to Baiduri Digital Hub, Ground Level, Baiduri Bank Headquarters.

Every user will receive a notification email at their registered email address, once they have been migrated and activated on the b.Digital Business service.

Companies who have not moved to b.Digital Business after 31 October 2023 can re-apply as a new subscriber to the b.Digital Business service. This will require additional documentations to be submitted as part of the application. Refer “Required Documents” here.

Important notice: Our Business i-Banking service will be deactivated soon. To ensure continued access and a smooth transition to the new Baiduri b.Digital Business, please provide your full name, IC, email address and mobile number via Business i-Banking Inbox. If we do not receive updated details from all authorised users, your company will not be migrated to the new platform and a fresh application will be required. For assistance, contact us at [email protected] or call 2268 637/8/9 during business hours. Thank you for your cooperation.

To strengthen our online security measures, effective 8 January 2024, we will introduce the cooling period feature on our Baiduri b.Digital Personal web and mobile app to prevent unauthorised access.

Click here for more information.

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