Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Scores based on editorial review methodology
Best for: It's best for Vietnamese citizens or foreigners with work permits needing substantial funds for personal expenses.
APR
6.0–15.0%
Amount
—
Term
12–60mo
Speed
1-3 business days
This personal loan provides flexible terms and competitive rates, ideal for those looking for quick cash solutions.
Read review→Best for: This loan is best for those looking to finance both personal and business vehicles with flexible repayment terms up to 84 months.
APR
6.5–11.0%
Amount
—
Term
12–96mo
Speed
3-5 ngày làm việc
The BIDV Car Loan offers competitive financing options, reaching up to 100% of the vehicle value. However, the approval process can take longer than some competitors.
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Best for: Homebuyers with stable income and good credit looking to finance their dreams with significant support from their lender.
APR
6.9%
Amount
—
Term
≤360mo
Speed
Fast review, often within 24 hours
The low starting rate of 6.9% makes TPBank's home loan attractive, but the requirement for collateral and extensive documentation may deter some applicants. It's suitable for those with solid financial backgrounds.
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Best for: Individuals aged 22-60 with a stable income of at least VND 5 million per month looking for flexible loan terms.
APR
12.9–20.0%
Amount
—
Term
6–60mo
Speed
1-3 business days
With competitive interest rates starting at 12.9%, Techcombank's personal loan is appealing for those seeking quick access to funds. However, individuals with lower incomes may find the requirements challenging to meet.
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Best for: Ideal for Vietnamese citizens aged 18-65 with a stable income looking to finance a new vehicle.
APR
5.2–10.5%
Amount
—
Term
12–84mo
Speed
Phê duyệt nhanh
ACB's car loan is a strong contender for those seeking competitive rates and quick approval.
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Best for: This loan is best for Vietnamese citizens needing immediate cash for personal expenses, with flexible repayment terms.
APR
20.0–48.0%
Amount
₫3M
Term
6–60mo
Speed
Within 24 hours
The FE Credit Flexible Cash Loan offers quick cash access but may not be ideal for everyone due to its high interest rates.
Read review→Best for: This loan is best for Vietnamese residents aged 18 and older with a regular income seeking a reliable car financing solution.
APR
7.0–12.0%
Amount
—
Term
12–84mo
Speed
1-3 business days
MB Bank offers a competitive car loan option with flexible terms, ideal for those looking to finance both new and used vehicles.
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Best for: Employees aged 22-60 in Vietnam with stable income looking for a personal loan for various needs.
APR
14.4–24.0%
Amount
—
Term
6–60mo
Speed
1-2 business days
This loan offers flexible terms and quick approval, making it suitable for those needing immediate cash. However, the APR ranges from 14.4% to 24%, which can be high for long-term borrowing.
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Best for: This loan is ideal for Vietnamese citizens aged 18-65 with a regular income who need financing for a new or used car.
APR
6.9–11.0%
Amount
—
Term
12–84mo
Speed
Phê duyệt trong 3-5 ngày
HDBank's car loan is an affordable option for those looking to finance a vehicle in Vietnam.
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Best for: This loan is best for borrowers looking for substantial amounts with a reliable state-owned bank.
APR
7.5–12.0%
Amount
—
Term
6–60mo
Vietcombank provides a solid option for personal loans with competitive rates and flexible terms.
Read review→Best for: Individuals with steady income who need quick access to vehicle financing, especially first-time buyers.
APR
5.8–12.0%
Amount
—
Term
12–96mo
Speed
About 5 minutes
VPBank's car loan provides rapid approval, n excellent choice for those needing quick financing. However, the requirement for collateral may deter some potential borrowers.
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Best for: Individuals aged 18-65 with a stable income of at least 5,000,000 VND per month seeking personal financing.
APR
7.0–12.5%
Amount
—
Term
6–60mo
BIDV's personal loan for its competitive minimum loan amount and flexible terms, making it suitable for a wide range of borrowers. However, the interest rates can be relatively high at 12.5%, which may deter some applicants looking for lower-cost options.
Read review→Best for: Individuals with a stable income looking to finance a vehicle purchase of up to VND 5 billion.
APR
6.8–11.0%
Amount
—
Term
12–96mo
Speed
Decision in as little as 2 minutes
Techcombank's car loan quick approval times, but the requirement for collateral may deter some potential borrowers. With flexible terms up to 96 months, it's those needing larger financing amounts.
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Best for: This loan is best for those needing quick access to funds, as approval and disbursement times are notably fast.
APR
9.0–33.94%
Amount
₫5M
Term
3–57mo
Speed
Within 30 minutes
Home Credit offers a streamlined online cash loan process, but borrowers should be cautious about the high interest rates.
Read review→Best for: Individuals with a stable income looking to finance a new car purchase in Vietnam.
APR
4.8–11.5%
Amount
—
Term
12–96mo
Speed
3-5 ngày làm việc
With financing options up to 100% and flexible terms, Vietcombank's car loan is for many buyers. However, applicants should be aware of the 3-5 day approval time, which may delay urgent purchases.
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Best for: This loan is best for individuals who need a significant amount of cash for personal expenses and prefer a well-established bank.
APR
7.0–11.5%
Amount
₫5M
Term
6–60mo
Agribank’s personal loans provide flexible borrowing options at reasonable rates, making them a solid choice for many borrowers.
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Best for: This loan is best for Vietnamese citizens aged 18-60 with a steady income who need financing for vehicle purchases.
APR
7.3–12.0%
Amount
—
Term
12–84mo
Speed
Phê duyệt nhanh qua app TPBank
TPBank's car loan is a strong option for those looking for quick approval and competitive rates.
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