Airstar Bank Debt Consolidation Loan

Update time: Jun 2023

Total Repayment (as low as)


Monthly Repayment (as low as)


APR (as low as)

Monthly Flat Rate: 0.13%
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 30 June 2023, 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

    • Applicable to new customers who have successfully opened bank account with Airstar Bank and applied for the loan via MoneyHero, with a drawdown amount of HK$50,000 or above and repayment tenor of 12 months or above within 30 calendar days from the date of registration of loan coupon
    • promotion period: from now till 30 June 2023
    • Terms and Conditions apply
  • [Airstar Bank Welcome Offer 1] Up to HK$16,800 cash rebate

    From now till 30 June 2023, new eligible customers who successfully apply for the loan via MoneyHero can enjoy up to HK$16,800 cash rebate

      Tenor & Airstar Bank Welcome 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 to HK$1,199,999 HK$6,900 cash rebate HK$13,800 cash rebate
    HK$1,200,000 or above HK$8,400 cash rebate HK$16,800 cash rebate
  • [Airstar Bank Welcome Offer 2] MGM Promotion - HK$400 cash reward

    • From now till 30 June 2023, the existing Airstar Bank customer maintaining deposit account during Promotion Period must refer an individual via the Bank APP to apply and drawdown the loan successfully within the Promotion Period with a loan amount of a minimum of HK$50,000 and a minimum repayment tenor of 12 months.
    • Referee must enter the referrer’s invitation code when applying for the loan. Referrers and Referees cannot refer each other as new loan clients.
    • Referrer will receive HK$400 cash reward after ONE Referee has successfully applied and drawdown the loan within the Promotion Period.
    • Referee will receive HK$400 Cash Reward after a successful loan application and drawdown within the Promotion Period.
    • Cash Reward will be credited to the Referrer and Referee within 90 days upon loan drawdown.
    • Referee must not early settle the loan, or with any overdue record or in breach of Airstar Personal Instalment Loan Terms and Conditions, upon cash reward disbursement in order to enjoy the Cash Reward.
    • Terms and conditions apply.
  • Product Features

    • 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

  • Things you 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 90 days upon loan drawdown
    • 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 6 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
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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