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 $5,000, enjoy a special interest rate starting from 8.5% 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 | USD 500 – USD 5,000 |
| Currency | KHR or USD |
| Eligibility | Cambodian Individuals, 18–65 years old |
| Business Age | Minimum 6 months |
| Loan Purpose | Business and Consumption |
| Loan Tenor | Up to 36 months |
| Interest Rate (p.a.) | Starting from 8.5% p.a. |
| 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 – 8.5% p.a.
Wing merchants or new onboard merchants are eligible for a promotional offer for the first time with an 8.5% annual interest rate. The rate will be reviewed every 3 months based on merchant KHQR performance.
To maintain 8.5% 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
- Utility Bill (Electricity, Water, etc.)
Business Income Proof (If Available)
- Merchant or Personal Bank Statement (last 3 months)
- Invoices / Profit & Loss Report / Sales Records
- Rental Contract (if applicable)
- Business License / Patent / Authorization Letter
How to Apply
- Visit any Wing Bank Branch, Master Agent, or Wing Agent nationwide
- 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 8.5% interest rate?
To maintain the 8.5% 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 2504. 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 exact timeline depends on your application’s completeness and eligibility assessment.6. 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 8.5% p.a., you must register as our Wing Merchant.7. 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.