Top 10 Best Consumer Loan Banks in Vietnam Today

Vietnam Industrial and Commercial Bank (Vietinbank) was founded in 1988 after being separated from the State Bank of Vietnam. Over the years, it has developed into a large commercial bank, playing a vital role as a pillar of the banking sector.

Vietinbank's consumer loan services include:

• Home loans for purchasing, building, or renovating homes, along with land use rights.
• Loans to purchase properties in projects (including insurance packages with project properties).
• Car loans (including insurance packages for cars).
• Loan packages for supporting study abroad expenses.
• Personal unsecured loans for employees.
• Loans for issuing personal financial cards.
• Loans secured by savings books and bonds.
• Overdraft card services.

As a pioneer in adopting modern technology and e-commerce in Vietnam, along with numerous other achievements, Vietinbank continues to demonstrate its strong economic potential.

CONTACT INFORMATION:

Address:

• Headquarters: 108 Tran Hung Dao, Hoan Kiem, Hanoi
• Branch: https://www.vietinbank.vn/vn/lien-he/mang-luoi-chi-nhanh/

Phone: 19005 58868 & 024 3941 8868

Email: [email protected]

Website: http://www.vietinbank.vn

Facebook: www.facebook.com/VietinBank

Vietnam Technological and Commercial Bank (Techcombank) was established in 1993 with an initial capital of around 20 billion VND. Since then, it has experienced continuous growth with exceptional business performance, earning the recognition of being one of Vietnam's most reputable financial institutions, with the title of Best Bank in Vietnam.

Why choose Techcombank's consumer loan products?

• Diverse loan options that meet all essential consumer needs, such as overdraft loans, home construction and renovation loans, etc.
• Loan amounts up to 95% of the required capital.
• Loan limits can go up to 5 billion VND.
• Attractive and competitive interest rates.
• Simplified loan process.
• Fast approval and disbursement times.
• Simple documentation requirements.
• No collateral or income verification required.

With strategic business areas such as personal financial services, SME banking, wholesale banking, and transactional banking, Techcombank caters to the diverse needs of various customer segments. As a result, it continues to be a trusted financial partner for many customers.

CONTACT INFORMATION:

Address:

• 1/196, Group 20, 196 Nguyen Van Huyen, Quan Hoa, Cau Giay, Hanoi
• Branch: https://techcombank.com/lien-he#atm-chi-nhanh

Phone: 1800 588 822

Email: [email protected]
Website: https://techcombank.com/

Facebook: www.facebook.com/Techcombank

Vietnam Prosperity Bank (VPBank) was founded in 1993. After nearly 23 years of operation, VPBank has grown its network to 210 branches and employed over 12,000 staff. Since 2010, VPBank has made significant progress, especially with the launch of a comprehensive transformation strategy supported by one of the world’s leading consulting firms, aiming to become one of the top 5 commercial banks in Vietnam and one of the top 3 retail banks by 2017.

About VPBank's consumer loan services:

• VPBank offers both secured and unsecured personal loans based on salary levels.
• Customers can experience a fast loan process without needing to pledge assets, providing convenience and flexibility for personal spending needs.
• The monthly repayment amount remains stable, with interest calculated on the declining balance, making it easier for customers to manage their personal budget.
• Personal loan limits can go up to 500 million VND, helping meet all personal and family needs. The loan term is flexible, up to 60 months, offering greater financial management flexibility.
• Approval and disbursement procedures are quick, ensuring customers access their loans effectively.

With these features and benefits, VPBank’s consumer loan services promise a convenient financial experience that fully meets customer needs.

CONTACT INFORMATION:

Address:

• Head Office: 89 Lang Ha Street, Dong Da, Hanoi
• Branch: https://www.vpbank.com.vn/chi-nhanh-va-atm

Phone: 19005 45415

Email: [email protected]
Website: http://www.vpbank.com.vn

Facebook:

Saigon Thuong Tin Commercial Bank (Sacombank) offers a wide range of benefits to its customers. With 23 years of operation, Sacombank has established itself as a major player, boasting a large network of nearly 500 branches and transaction offices across the country, as well as 3 international branches.

Currently, Sacombank is a formidable competitor to other commercial banks in Vietnam. The bank offers a variety of products tailored to the needs of both individual and corporate clients. With an extensive network and a diverse range of services, Sacombank continues to earn the trust of its customers.

Main services currently offered by Sacombank:

• For individuals: consumer loans for daily living, fast consumer loans, unsecured online salary loans, pension loans, consumer overdrafts, employee loans, and salary-based personal loans.
• For businesses: fast SME loans, corporate vehicle loans, and installment loans for small and medium-sized enterprises.

At Sacombank, customers will receive efficient and friendly service, with streamlined procedures, and the flexibility to choose loan packages with competitive interest rates that satisfy both parties.

CONTACT INFORMATION:

Address:

• Head Office: 268 Nam Ky Khoi Nghia, Vo Thi Sau, District 3, Ho Chi Minh City
• Branch: https://www.sacombank.com.vn/trang-chu/danh-sach-atm-dgd.html

Phone: 028 3846 9516

Email: [email protected]

Website: https://www.sacombank.com.vn/

Facebook: www.facebook.com/SacombankHome

Vietnam Maritime Bank (Maritime Bank) was founded in 1991 in Hai Phong. After 24 years of consistent growth, Maritime Bank has become one of the five largest joint-stock commercial banks in Vietnam. The bank aims to build a reliable, convenient, and customer-friendly banking experience, chosen by clients for the exceptional benefits provided by its diverse and well-designed financial products, catering to the needs of different customer segments.

Key features of the services offered:

• Personal consumer loan packages: unsecured loans for salaried customers, credit card holders, and home owners, secured loans, and salary-based personal loan packages.
• Experience a fast and convenient loan application process, meeting all personal spending needs.
• With competitive interest rates, we guarantee attractive and competitive offerings for our customers.
• Flexible repayment methods, allowing easy budget management and selection of the most suitable repayment options.
• Loan limits tailored to meet personal financial needs.
• Quick review and approval of loan applications, ensuring fast access to loan benefits.

With a commitment to delivering the best financial experience, Maritime Bank is proud to be a trusted partner, accompanying you on every financial journey. Come to us for convenience and reliability in all your personal financial transactions.

CONTACT INFORMATION:

Address:

• Head Office: 54A Nguyen Chi Thanh, Lang Thuong Ward, Dong Da District, Hanoi
• Branch: https://www.msb.com.vn/vi/mang-luoi.html

Phone: 1900 6083 Email: [email protected]

Website: https://www.msb.com.vn/vi/

Facebook: www.facebook.com/MSBVietnam/

Asia Commercial Bank (ACB) is one of the leading joint-stock commercial banks in Vietnam, with an extensive network and over 10,000 employees. ACB aims to be the top bank in Vietnam in terms of financial performance, risk management, and business ethics.

Customer benefits when using consumer loan services:

• Three main consumer loan packages for individuals: secured loans, loans against savings or valuable papers, and car loans.
• For business customers: secured loans, loans against savings/valuable papers, and fixed asset investment loans.
• Loan amounts: determined based on the customer’s needs, repayment ability, and intended use of funds.
• Flexible income verification methods.
• Competitive interest rates, calculated on the actual outstanding balance (declining balance).
• Flexible prepayment policies.
• Diverse repayment methods, customized to suit customer needs.

Over time, ACB has made significant strides, fully catering to customer demands with a wide variety of modern, diverse, and convenient services. With its achievements, ACB continues to grow stronger, striving to become the top bank in Vietnam.

CONTACT INFORMATION:

Address:

• 444 Cach Mang Thang 8, Ward 11, District 3, Ho Chi Minh City
• Branch: https://acb.com.vn/lien-he?tab=3

Phone: 1900 545 486

Email: [email protected]
Website: http://www.acb.com.vn/

Facebook: www.facebook.com/NganHangACB/

Military Commercial Joint Stock Bank (MBBank) is a joint-stock commercial financial organization in Vietnam, operating under the management and ownership of the Vietnam People's Army. MBBank offers a variety of financial products and services, ranging from electronic banking, savings accounts, loans, credit cards, to other services like asset management, corporate banking, and more.

Benefits of secured consumer loan services:

• Loan application registration via the MBB app.
• Supports up to 80% of the funding needs, with a limit of up to 3 billion VND.
• Loan term of up to 84 months, providing flexibility in loan management.
• Simplified procedures, with fast processing times for customer convenience.
• Eligibility requirements for civil capacity and civil behavior range from 19 to 70 years old.
• Minimum income of 10 million VND per month for both the customer and their spouse to ensure repayment ability.
• Diverse collateral options, including real estate, securities, savings books/cards, deposit contracts, and cars.

Registering for a loan through the MBBank app offers a simple and convenient experience while ensuring flexibility and a variety of asset collateral options.

CONTACT INFORMATION:
Address:

• Head office: MB Tower Building, 18 Le Van Luong, Trung Hoa, Cau Giay, Hanoi
• Branch: https://www.mbbank.com.vn/maps/

Phone: 1900 545 426
Email: [email protected]
Website: https://www.mbbank.com.vn/
Facebook: www.facebook.com/VietnamMBBank

Vietnam Bank for Investment and Development (BIDV) is a leading bank with extensive experience in offering modern and convenient financial products and services, making significant contributions to the community's development.

Advantages of BIDV's consumer loan packages:

• Competitive interest rates are applied based on preferential credit packages for each period.
• The maximum loan term is 84 months (for installment loans) and 12 months (for overdraft loans).
• No collateral required.
• Flexible loan options, with the choice between installment loans and overdraft loans.
• Free consultation on the most effective and cost-saving loan options.

BIDV ensures high-quality, convenient services and takes full responsibility for the products and services provided. With strategic partners, BIDV is ready to "share opportunities - collaborate for success". BIDV is committed to delivering the best products and services, solidifying its position among the top 30 banks with the largest asset scale in Southeast Asia.

CONTACT INFORMATION:

Address:

• Head office: 194 Tran Quang Khai, Ly Thai To, Hoan Kiem, Hanoi
• Branches: https://bidv.com.vn/vn/atm-chi-nhanh

Phone: 1900 9247

Email: [email protected]

Website: https://bidv.com.vn/vn/

Facebook: www.facebook.com/BIDVbankvietnam

Vietnam Bank for Agriculture and Rural Development (Agribank) plays a crucial role in the national economy, always supporting agriculture and rural development. It is a pioneer in offering modern, convenient banking services while fulfilling its social responsibility towards the community.

Advantages of Agribank’s loan offerings:

• Customers can easily access loan services at over 2,300 Agribank locations.
• Agribank caters to urgent, small loans that fulfill everyday and legal consumer needs.
• Loan processing is fast, with priority approval and same-day disbursement once the customer provides the complete set of required documents.
• Available loan methods include one-time loans, credit line loans, and overdraft loans.
• For individual customers, the loan limit can reach up to 30 million VND.
• Consumer loan purposes include buying household goods, equipment, education, medical expenses, and more.

As of now, Agribank has grown into one of the largest banks in Vietnam, in terms of assets, working capital, and employee network.

CONTACT INFORMATION:

Address:

• Head Office: 2 Lang Ha, Ba Dinh, Hanoi
• Branches: https://www.agribank.com.vn/vn/atm-chi-nhanh

Phone: 024 3205 3205

Email: [email protected]

Website: https://www.agribank.com.vn/

Facebook: www.facebook.com/Agribank.VN/

Vietnam Foreign Trade Bank (Vietcombank) has been operating since 1963 and was the first commercial bank chosen by the government to pilot the privatization process. Over more than 50 years of growth, Vietcombank has made significant contributions to the nation’s economic development, excelling as a key foreign trade bank that effectively supports domestic economic growth and influences the global financial community.

By using Vietcombank's consumer loan services, you will enjoy the following benefits:

• A wide range of consumer loan options: unsecured loans for workers, loans secured by valuable documents, and asset-backed loans.
• Fast loan disbursement with a straightforward process, quick approval, and disbursement to meet all spending needs.
• Competitive and favorable interest rates, offering high loan limits with attractive programs.
• Flexible and simple repayment methods, which can be done online or at the counter.

With various loan purposes, competitive rates, quick procedures, and flexible repayment options, Vietcombank is committed to accompanying customers in their journey to success.

CONTACT INFORMATION:

Address:

• Head Office: 5 Cong Truong Me Linh, Ben Nghe, District 1, HCM City
• Branches: https://www.vietcombank.com.vn/vi-VN/Mang-luoi

Phone: 19005 45413

Website: https://www.vietcombank.com.vn/vi-VN

Facebook: www.facebook.com/ilovevcb/