Airstar Bank Debt Consolidation Loan
Update time: May 2022
Total Repayment (as low as)
Monthly Repayment (as low as)
APR (as low as)
Monthly Flat Rate: 0.13%
60 Days interest and repayment free
Total interest expenses saved up to 91%, No handling fee and administration fee for loan drawdown

Great for

  • [MoneyHero Exclusive Offer 1] Up to HK$4,600 Supermarket Voucher
    From now till 31 May 2022, new customers who successfully apply for the loan via MoneyHero can enjoy up to HK$4,600 Supermarket Voucher

    Loan Amount MoneyHero Exclusive Offer
    HK$200,000 to HK$299,999 HK$1,000 Supermarket Voucher
    HK$300,000 to HK$399,999 HK$1,800 Supermarket Voucher
    HK$400,000 to HK$499,999 HK$3,000 Supermarket Voucher
    HK$500,000 or above HK$4,600 Supermarket Voucher
  • [MoneyHero Exclusive Offer 2] HK$400 Loan coupon

    • HK$400 loan coupon (usable at drawdown): new customers successfully apply for the loan via MoneyHero, with a drawdown of HK$50,000 or above and repayment tenor of 12 months or above within 30 calendar days
    • promotion period: from now till 30 June 2022
    • Terms and Conditions apply
  • [Airstar Bank Welcome Offer 1] 60 Days interest and repayment free

    • From now till 30 June 2022, eligible customers drawdown a Debt Consolidation Loan can enroll for "60 Days Interest and Repayment Free Promotion".
    • The customer is not required to make repayment in the first 60 days after drawdown. If an eligible customer early settles the entire loan before the first due date, the customer is not required to pay any interest and can settle the entire loan by only repaying the loan principle
    • Terms and conditions apply
  • [Airstar Bank Welcome Offer 2] Up to HK$13,800 cash rebate

    From 20 April 2022 till 30 June 2022, new eligible customers who successfully apply for the loan via MoneyHero can enjoy up to HK$13,800 cash rebate

      Tenor & MoneyHero Exclusive Offer
    Loan Amount 24 months / 36 months 48 months / 60 months / 72 months
    HK$200,000 to HK$499,999 HK$2,500 cash rebate HK$5,000 cash rebate
    HK$500,000 to HK$799,999 HK$3,400 cash rebate HK$6,800 cash rebate
    HK$800,000 to HK$999,999 HK$5,000 cash rebate HK$10,000 cash rebate
    HK$1,000,000 or above HK$6,900 cash rebate HK$13,800 cash rebate
  • Saving repayment amount per instalment up to HK$6,000
  • Total interest expenses saved up to 91%
  • Total loan amount up to 21 times of monthly salary, with the option to cash out part of the loan amount up to 12 times of monthly salary
  • No handling fee and administration fee for loan drawdown
  • No handling fee for early repayment

Need to know

  • Eligibility: With monthly income of HK$5,000 or above; and Hong Kong residents aged 18 to 60 (and non-US citizen)
  • Steps to apply for Airstar Bank Debt Consolidation Loan

    Steps Points to note

    Click "Apply Now" and go to Airstar Bank registration page

    • Enter and verify your mobile number for registration
    • Download Airstar Bank App
     2 Open the app to complete registration with mobile number, and submit loan application to receive a preliminary approval result
    • Please prepare your mobile, HKID and email address 
    • Scan your ID card and face by following the instructions
  • To Redeem MoneyHero Exclusive Offer:

    • Up to HK$4,600 Supermarket Voucher:
      • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
      • After the loan approval, click here to complete the redemption form sent via email for verification and follow-up within 7 days. MoneyHero will verify your reward eligibility with Airstar Bank. 
      • Tips:
    • HK$400 loan coupon: to be credited to customers' Airstar Bank HKD savings accounts in the form of cash rebate within 3 months upon loan drawdown
      Read Terms and Conditions
  • Annualized Percentage Rate ("APR") is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up or down to the nearest two decimal places. APR is a reference rate which includes the basic interest rate and other fees and charges (if applicable) expressed as an annualized rate. Approval of the APR is subject to the final decision of Airstar Bank
  • The APR ranges from 2.99% to 35.81% with repayment period of 12 to 72 instalments. For a loan amount of HK$200,000 with 72 instalments repayment period, the APR is 2.99%, and the total loan repayment amount is HK$218,467.02 (handling fee waived). The above example is for reference only, please refer to terms and conditions for details
  • Interest saving example is based on an assumption that the total outstanding amount is credit card outstanding balance HK$200,000, with an annual interest rate of 30%, and monthly minimum repayment of 5% of the outstanding balance or HK$50 (whichever is higher). The annualized percentage rate (“APR”) is 34.49%. Monthly repayment amount is HK$8,952 and total interest expenses is HK$209,404. For Airstar Debt Consolidation Loan with assumption that annual interest rate 2.95% and repayment tenor of 72 instalments, APR is 2.99%. Repayment amount per instalment is HK$3,034 and total interest expenses is HK$18,467. The average repayment amount per instalment and total interest expenses of above examples are rounded to nearest dollar. The above examples are for reference only
  • Terms and conditions apply. For details, please visit Airstar Bank website. To borrow or not to borrow? Borrow only if you can repay!


Minimum Age
18-60 years old
<p>18-60 years old</p>
Min. Annual Income

Steps to Apply

1. Apply through mobile app
2. Tap "Loan" on the homepage
3. Complete registration with mobile number, and submit loan application to receive a preliminary approval result

Required Documents

1. HKID card
2. Latest 1-3 months income proof, e.g. payroll slip, bank statement, salary tax demand note, payroll account bank statement/account passbook (with first page showing your name and account number)
3. Latest 3 months residential address proof, eg. Electricity bill or bank statement
4. Any other documents or certificates deemed appropriate

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