Personal Loan

Let us help you fulfill your aspirations

Whether you are thinking of buying an investment property, funding a new business venture or getting ready for your wedding, a Baiduri Personal Loan can help fulfill your needs.

Key Features


  • Fast approval and quick disbursement
  • Monthly payment is fixed and debited from account
  • Easy documentation
  • Use the funds for any purpose
  • No collateral required
  • Eligibility Criteria
  • Required Documents
  • Fees & Charges
  • Terms & Conditions
  • Eligibility Criteria

    Eligibility Criteria
    • Aged 21 years to 70 years (by the end of loan tenor)
    • Full-time employee of the Brunei Government, semi-Government organization or private company; OR
    • Pensioner* with monthly net income not less than BND500 for local and BND2,000 – BND2,500 for foreigners**; OR
    • Individual receiving Brunei Government house rental income of BND2,000 and above

    * Not applicable to old age pension recipients.
    ** With valid passport and Employment Pass permit.

    Above criteria is subject to Baiduri Bank’s internal credit policy assessment.
  • Required Documents

    Required Documents
    • Identity Card (IC)
    • Valid passport with valid Employment Pass permit*
    • Latest salary slip
    • Last 3 months account statements (if salary account is with another bank)
    • For employees of private companies, regular salary credits in the preceding 12 months must be sighted
    • Confirmation of employment letter is required for applicants under the employment of the Army, Police, Gurkha Reserve Unit, semi-Government organisations and private companies

    * Applicable for foreigner.
  • Fees & Charges
  • Terms & Conditions

    Terms & Conditions

    • Approval is subject to the Bank’s credit assessment policies.
    • All Lending rates are quoted at Effective Interest Rate regardless of method of computation used.
    • Effective Interest Rate is pegged to the Bank’s Prime Lending Rate. Any change in Prime Lending Rate will result in a change in the applicable interest rate.
    • Personal Loan top-up is permitted after 50% of the original personal loan credit facility tenor has lapsed and subject to satisfactory repayment records.

I am interested to find out more


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*Note: We are currently rolling out our new online business banking service, Baiduri b.Digital Business to existing customers in phases. For users who have not yet received their new login credentials, please continue to access the Business i-Banking service for your online banking needs. For more information, please contact us at [email protected] or call 2268 637/8/9 during business hours.

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.
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