ខ្មែរ
Whether you’re an existing Wing merchant or just getting started, Wing Bank offers a flexible, affordable loan solution designed to grow your business and support personal needs. Borrow up to $50,000, enjoy a special interest rate starting from 7.5% p.a., no collateral needed, and benefit from flexible terms up to 36 months—with no fee for early repayment.
Product Details
| Item | Details |
|---|---|
| Loan Type | Unsecured Short-Term Revolving Loan |
| Loan Size | Up to USD 50,000 |
| Currency | KHR or USD |
| Eligibility | Cambodian Individuals, 18–65 years old |
| Business Age | Minimum of 6 months up |
| Loan Purpose | Business and Consumption |
| Loan Tenor | Up to 36 months |
| Interest Rate (p.a.) | Starting from 7.5% p.a. |
| Collateral | No collateral needed |
| Repayment Mode | Equated Monthly Installment (EMI) |
| Income Source | Business and Non-Business Income |
| Application Channels | Wing Bank Branches, Master Agents, and Agents Nationwide |
Special Interest Rate Offer – starting from 7.5% p.a.
Wing merchants or new onboard merchants are eligible for a promotional offer for the first time with a minimum 7.5% annual interest rate. The rate will be reviewed every 3 months based on merchant KHQR performance.
To maintain a minimum 7.5% p.a., merchants must meet ALL the following conditions:
- Average monthly KHQR cash-in ≥ 25% of loan limit
- Average monthly KHQR transactions ≥ 30
- Average monthly ending balance ≥ USD 250
Required Documents
Customer Identity & Residency
- National ID (Front & Back) or Passport
- Family Book or Residential Book
- Any of the following residential proof:
- NID / Family Book / Residential Book
- Birth Certificate
- Property Ownership/Sale Agreement
- Certificate issued by local authority
Business Income Proof (If Available)
- Merchant or Personal Bank Statement (last 6 months)
- Invoices / Profit & Loss Report / Sales Records
- Rental Contract (if applicable)
- Business License / Patent / Authorization Letter (required depending on business size)
How to Apply
- Visit any Wing Bank Branch, Master Agent, or Wing Agent nationwide or call our customer services at 023 999 984, or chat with our agent via Wing Chatbot.
- Submit required documents
- Speak with our loan officers to assess your needs
- Receive approval and disbursement quickly
Frequently Asked Questions (FAQs)
1. What can the loan be used for?
The loan can be used for both business and personal consumption purposes.
2. Is there a late payment fee if I miss my due date?
Yes. A late payment fee of 27% p.a. is charged on the overdue principal and interest, starting 4 days after your scheduled due date.3. What are the conditions to maintain the minimum 7.5%interest rate?
To maintain the 7.5%p.a. promotional interest rate, you must meet all of the following monthly conditions:
- KHQR cash-in ≥ 25% of your loan limit
- At least 30 KHQR transactions
- Average monthly balance ≥ USD 250
4. What happens if I don’t meet the KHQR performance criteria?
If performance falls short, your interest rate may be adjusted to 12% p.a. after a quarterly review.5. How long does it take to get loan approval?
Approval is done manually by our loan team. The timeline depends on your application’s completeness and eligibility assessment, estimated between 1 and 2 weeks.6. What is the maximum loan amount I can request?
You can request a loan amount of up to USD 50,000.7. Can I apply even if I'm not a Wing merchant?
Yes! This loan is open to all eligible individuals, whether or not you’re a current Wing merchant. However, to be eligible for the special rate of 7.5%p.a., you must register as our Wing Merchant.8. Do I need to have the collateral for this loan?
No collateral is needed.9. If I’ve already completed a loan this year, can I still get the same 7.5% interest rate for a new loan next year?
Yes, you can still request the minimum 7.5% interest rate for your new loan next year, provided you meet our loan criteria and receive approval from the Credit Bureau Cambodia (CBC).10. Do I need to operate as a Wing Merchant for at least 6 months to be eligible for a loan?
No, as long as your business has been running for at least 6 months, you are eligible to apply for the loan.11. What if I want to request a higher loan amount?
Wing Bank offers many loan options that will be suited to every need. You can visit our branches or agents, call our customer services at 023 999 984, or chat with our agent via Wing Chatbot for more information.