Choose your starting point
How would you like to start?
Most visitors begin with one of these three lanes. Pick the one that matches where you are right now.
01Most popular
Start with affordability
Not sure how much loan you can carry? Run an affordability check first before comparing offers.
Open affordability calculator →02
Compare by country
Already know the market? Jump straight into the Singapore offer table — Malaysia, PH, ID, TH, VN below.
See Singapore offers →03
Explore borrower tools
Browse every calculator and helper: EIR vs flat rate, debt service ratio, processing fee impact, early settlement.
Browse all tools →No sign-up, no quiz funnel. Every lane lands on a real working tool or table.
Interaction debug (local only)Click counts saved in this browser
No local click data yet. Start clicking the homepage lanes, country cards, or tool cards to populate this panel.
What you can do here
One SEABorrow session can answer multiple borrower questions
Instead of sending people through separate thin widgets, SEABorrow combines comparison, repayment planning, affordability checks, data transparency and educational guidance in one borrower-first flow.
Specialized tools
Dedicated loan calculators that deserve their own pages
Affordability CalculatorStart from cash-flow room, not the maximum amount a lender might allow.DSR CalculatorA fast way to see whether a new installment pushes your monthly debt burden too far.Fee Impact CalculatorA cheaper-looking rate can still be worse when upfront fees eat into the money you actually receive.Flat Rate vs EIRWhen one lender shows a flat rate and another shows EIR, this tool gives you a fairer comparison starting point.Early SettlementA quick way to see whether paying off a loan early is likely to save meaningful interest before settlement fees.
Country clusters
Pick a market and switch the comparison defaults instantly
Each market uses its own amount presets, tenor norms, income assumptions and editorial notes. Verified and partial data quality are surfaced directly in the product instead of hidden in footnotes.
Main experience
Vietnam borrower workbench
This Vietnam route preloads local borrowing assumptions, data notes and lender pages so borrowers can compare faster.
Why you can trust this table
How to read this comparison
Trust signals at a glance
Public bank pagesSnapshot-based dataNo paid rankingPartial rows may need source confirmation
Source coverage in this market
Verified bank pages: 1Partial bank pages: 2Fields needing confirmation: 18
How to read this table
- “Verified” = we walked the lender’s public product page and matched the figures shown there.
- “Partial” / “Check source” = the lender does not publish that field publicly; confirm in-app or in branch.
- We do not rank by paid placement. Order is driven by fit score: total cost, fee stack, funding speed, income fit.
- Personalised rate, fees and approval are decided by the bank. Always confirm before applying.
Latest snapshot in this build: 2026-05-31
Update log
Loan data update log
- VPBank — Vay tín chấp cá nhân (Personal Unsecured Loan)2026-05-31FeesTenorAmountSource link
- Techcombank — Vay tiêu dùng tín chấp trả góp (Unsecured Consumer Loan)2026-05-31Advertised rateFeesTenorAmountIncomeSource link
- Sacombank — Vay tiêu dùng từ lương (Salary-Based Consumer Loan)2026-05-31FeesTenorAmountSource link
Compare & filter
Find the right Southeast Asia loan shortlist
Start with one market, then adjust amount, tenure and income to surface the most realistic offers.
Popular amounts:
Market focusVietnamProduct quality varies a lot, so showing total repayment and income fit is especially useful.
Best headline rate12.90%Techcombank · Vay tiêu dùng tín chấp trả góp (Unsecured Consumer Loan)
Lowest monthly cost₫4,037,497Techcombank · Vay tiêu dùng tín chấp trả góp (Unsecured Consumer Loan)
Fastest payout—Not published
Offer shortlist
3 matching bank loans
Verified offers were manually checked on the lender’s public product page; confirm current terms before applying.
Vietnam · Higher ceiling
VPBank
Vay tín chấp cá nhân (Personal Unsecured Loan)
High ceilingUp to 0.5 tỷ VND
Advertised rateCheck source
Effective rateCheck source
Monthly—
Total cost—
VPBank does not publish a headline rate on the public unsecured personal-loan page; rate is personalised at application.
Vietnam · Short-term fit
Sacombank
Vay tiêu dùng từ lương (Salary-Based Consumer Loan)
Salary-basedUp to 0.5 tỷ VND
Advertised rateCheck source
Effective rateCheck source
Monthly—
Total cost—
Sacombank does not publish a headline rate on the public salary-based unsecured-loan page; rate is personalised at application.
Vietnam · Cleaner fee stack
Techcombank
Vay tiêu dùng tín chấp trả góp (Unsecured Consumer Loan)
From 12.90% p.a.Up to 1.0 tỷ VND
Advertised rateFrom 12.90% p.a.
Effective rateEIR not published
Monthly₫4,037,497
Total cost₫145,349,882
Headline reducing-balance rate published by Techcombank; EIR and processing fee are not published.
Figures shown are taken from the lender’s public product page (Vietnamese). Personalised rate, EIR and approval are determined by Techcombank — confirm before applying.
Repayment planner
VPBank · Vay tín chấp cá nhân (Personal Unsecured Loan)
A single place to inspect monthly repayment, interest burden and fee impact before you build more landing pages around this market.
This lender does not publish a single applied rate on its public product page, so we can’t compute a monthly repayment here. Open the source page for the latest figures. Check source →
Estimated monthly payment—36 monthly installments
Total repayment—Principal + interest
Total interest—Cost of borrowing
Upfront fees₫0Processing + fixed charges
All-in cash cost—Repayment plus fees
Income bar—Prepayment flexibility supported
Amortization snapshot
Month-by-month repayment schedule
| Month | Payment | Principal | Interest | Balance |
|---|
Scenario lab
Run affordability, DSR and early-payoff checks without leaving the comparison flow
These tools stay tied to the selected lender and borrower inputs, so every output remains connected to the exact scenario on screen.
Affordability radar
How much monthly budget feels realistic?
Use simple income bands to see how aggressive this scenario is and what principal each band could support at the selected lender rate.
15% of income₫3,750,000/mo budget
₫135,000,000
20% of income₫5,000,000/mo budget
₫180,000,000
25% of income₫6,250,000/mo budget
₫225,000,000
30% of income₫7,500,000/mo budget
₫270,000,000
Payment pressure
Debt-service view for the selected offer
A quick screen for monthly pressure against the current income input and lender income bar.
Installment / incomeCheck source
Lender income barCheck source
Eligibility signalPublic income bar not disclosed
This lender does not publish enough rate detail for a reliable installment-pressure estimate.
Tenure sandbox
Slide the term and watch cost rebalance
36 months₫120,000,000 principal
MonthlyCheck source
Total interestCheck source
All-in costCheck source
This sandbox needs a lender row with a published rate. Rows with hidden pricing stay honest and leave the estimate blank.
Early-settlement preview
What if you clear the loan early?
Month 12Needs a published rate
Remaining balanceCheck source
Interest paid so farCheck source
Interest avoidedCheck source
Early-settlement preview needs a lender row with a published rate and a valid amortization schedule.
Why this experience is stronger
Designed as a borrower toolkit, not a thin rate table
- Country-aware comparison, lender pages, shareable scenarios and repayment schedules in one product.
- Affordability, DSR and early-payoff checks tied directly to the selected lender row.
- Guides, methodology and policy pages embedded in the same information architecture.
Expansion path
High-related next tools for this vertical
- Vietnam affordability calculator by salary band
- Vietnam DSR / DTI checker with lender-income fit
- Vietnam early-settlement and prepayment-fee explainer
All offers below are derived from publicly visible bank product pages (snapshot per row). Where a lender does not publish a figure, we show “Check source” rather than guess. Rates, fees and approval terms change frequently — confirm on the lender’s own site before applying.
SEABorrow is independent and not affiliated with any listed bank. Loan terms change frequently — confirm on the lender's official page before applying. Read our full Disclaimer.
Guides + trust
Borrower education and transparent sourcing live in the same product
Latest borrower guides
Editorial rules
- We do not invent fee, rate or eligibility fields that are missing on a public lender page.
- Guides are written to explain tradeoffs, not to pressure a borrower into applying.
- Every major page includes route-level context, internal links and a clear correction path.
What gets refreshed
- Hourly snapshot refresh job for loan data files already exists in this branch.
- Verified vs partial status is preserved when public disclosure is incomplete.
- Source links and last-checked dates stay attached to offer-level pages.
FAQ
Common questions about SEABorrow
How the data is sourced, how the calculators are meant to be used, and what SEABorrow is not.
Is SEABorrow a lender or a broker?
No. SEABorrow is an independent comparison and education site. We do not lend money, take applications, share your information with banks, or earn referral fees that change how offers are ranked.
Where do the rates and fees on this site come from?
Numbers are collected from the lender’s own public pages and regulator disclosures, then re-checked on a rolling schedule. Each lender page shows when it was last verified, and our Methodology page explains the process in more detail.
How often is the loan data updated?
Public lender pages are reviewed on a rolling basis. We label each offer with a "last checked" date so you can see how recent the figure is. Loan terms change frequently, so always confirm the latest pricing on the lender’s official page before applying.
Does comparing or using the calculators here affect my credit score?
No. We do not perform credit checks. Nothing you type into the calculators is sent to any bank. Your credit score is only affected when you actually apply with a lender on their official site.
How do I use the calculators to choose a loan?
Start with the affordability or DSR view to size a monthly payment your cash flow can defend. Then open the country comparison to filter lender offers that fit, and use the fee-impact or flat-rate-vs-EIR tools to make the headline rates honestly comparable.
Why do some country pages look thinner than others?
Public disclosure varies by market. Where the lender publishes rates, fees and eligibility clearly, we display more detail. Where disclosure is thin, we prefer to show fewer fields rather than guess.
FAQ
Questions borrowers in Vietnam usually ask
How are lender offers for Vietnam chosen?
We aim to include the most visible mainstream personal-loan products that publish enough information to be compared honestly. Offers without verifiable public pricing are usually left out rather than guessed at.
Are the Vietnam rates shown here APR, EIR or flat?
Wherever possible we surface both the advertised rate and an effective-rate view, because the same loan can look very different under each definition. Use the Flat Rate vs EIR calculator to make cross-lender comparisons fair.
Will I be approved if the calculator says the loan is affordable?
Not necessarily. Affordability is your own cash-flow view. Approval depends on the lender’s underwriting, your credit history, employment and documentation. The calculators help you arrive prepared, not pre-approved.
What should I confirm on the lender’s site before applying?
Confirm the current rate (and whether it is flat or EIR), all processing and insurance fees, the minimum income, the maximum tenure and any settlement or lock-in rules. Those five fields decide most of the real cost.