Interest Saving Loan Promotion

More Savings Less Burden

In times of uncertainty, it's important to make good money decisions in order to protect yourself financially. At Baiduri Bank, we a re committed to helping you save more with your financial plans. Whether it is to fund essential expenses, cover temporary cash flow gaps or achieve financial flexibility, we've got you covered. From now till 31 October 2020, enjoy greater savings with our offers.

Get your loan approved within 24 hours!

Transfer Your Loan




Transfer your existing personal loan to us for interest savings.

Get Extra Financing




Apply for a Baiduri Personal Loan to meet your funding needs.

Consolidate Your Debts




Roll your high-interest debts into a single loan to enjoy lower monthly payments and interest.

For more information, visit or call our 24-hour Customer Helpline 244 9666

Submit your application online

Scan to download the application form and email to [email protected] with supporting documents attached.

Terms & Conditions

1. Term

  • This Promotion begins on 10 April 2020 and ends on 31 October 2020, both dates inclusive (the “Promotion Period”).

2. Eligibility

i. This Promotion is open to new applications, re-loans or balance transfers from other financial institutions.

ii. To be eligible, applicants must meet the following criteria (‘Eligible Applicants’):

  • Apply for a Personal Loan or Consolidation loan (including transfers and re-loans) during the Promotion Period; and
  • Are full-time employees of the Brunei Government, semi-Government organisations, Brunei Shell Petroleum and subsidiaries, or are full-time and permanent employees of any private sector companies;
  • Are Brunei citizens or permanent residents;
  • Have a minimum monthly net income of BND1,000

iii. To enjoy this Promotion, the minimum approved loan amount must be BND5,000.

iv. Assignment of salary to the Bank is compulsory.

v. Approval of loan application is subject to the Bank’s credit assessment policies.

3. Offer

i. Eligible Applicants will be entitled to an Effective Interest Rate (EIR) as low as 6% per annum and 24-hour approval under this Promotion.

ii. Eligible Applicants will be entitled to the following:

 1. For Personal Loans:

  • EIR of 6% p.a. for successful transfers from another financial institution
  • EIR of 6.5% p.a. for successful new applications and re-loans

2. For Consolidation Loan:

  • EIR of 6.5% for successful new applications, re-loan and transfers during the Promotion Period.

iii. Effective Interest Rate quoted above is floating and pegged to the Bank’s Prime Lending Rate (PLR). Any change in PLR will result in a change in the applicable interest rate.

iv. 24-hour approval of loan application is subject to complete documentation at the time of application.

4. General

i. This Promotion is governed by Baiduri Bank’s terms and conditions on the related products and any other documents forming the banking agreement.

ii. Baiduri Bank may, at any time and without prior notice or liability to any party, suspend or terminate the Promotion or vary these terms and conditions.

iii. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the Promotion. The Bank’s determination of all matters relating to this Promotion shall be final and conclusive and no correspondence will be entertained.


Contact our customer support team if you have any further questions. We are here to help you.

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