BIDV launches preferential loan package for individual customers in 2026
Aiming to accompany and promptly support customers in accessing capital for production and business as well as meeting essential consumption needs such as buying a house, buying a car, and family expenses, BIDV is launching a preferential interest rate program for personal loans in 2026 with many flexible loan packages, competitive interest rates, and diverse terms.
Short-term loan package for production and business activities
For individual customers, business households, and small traders, BIDV offers short-term and medium-to-long-term loans for production and business purposes with specific preferential interest rates as follows:
Loan term | Preferential interest rate |
<03 months | 7.0%/year |
From 3 months to <6 months | 7.3% per annum |
From 6 months to <9 months | 7.8%/year |
From 9 months to 12 months | 8.0% per annum |
The program applies to first-time disbursed loans from February 9, 2026 to June 30, 2026
The purpose of short-term loans is to supplement working capital for production and business activities in accordance with BIDV's product regulations and lending guidelines for each period (including loans to repay debts ahead of schedule at other credit institutions for loans for the above purposes).
For medium- and long-term loans
Program | Fixed-rate period | Minimum interest rate |
1 | First 6 months from the date of initial disbursement | 8.2% per annum |
2 | First 12 months from the date of initial disbursement | 8.7% per annum |
| 3 | First 18 months from the date of initial disbursement | 9.0% per annum |
The program applies to first disbursements from January 30, 2026 to June 30, 2026
Loans for production and business purposes (including accommodation and restaurant services), loans to repay debts ahead of schedule at other credit institutions for the above purposes.
Additionally, BIDV offers an extra 0.2%/year discount for customers meeting one of the following criteria:
- New customers (customers who do not have any loans/credit cards at BIDV as of December 31, 2025); or
- Premium customers (Premier, Elite, Private); or
- 100% of the income used to repay the loan is received directly into a BIDV account; or
- Apply for a loan and successfully disburse it through the BIDV Home app
The above interest rates are for reference only. For detailed advice on suitable loan packages, please contact your nearest BIDV branch for assistance.
With a nationwide network, a team of professional consultants, and a modern digital banking platform, BIDV is committed to providing customers with safe, transparent, and convenient financial solutions, helping customers develop their business activities, settle down, and improve their quality of life.