livi Flexi Loan “Balance Transfer”

Great for

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  MoneyHero Exclusive Offer - New customers can enjoy up to HK$7,950 Cash Rewards

  • From now till 30 June 2023, livi customers (Eligible Customers) who have successfully applied for livi Flexi Loan "Balance Transfer" using the designated MoneyHero invitation code "MH#BT5" and drawdown the loan at a designated loan amount are entitled to up to HK$7,950 cash rewards.

  Balance Transfer Amount	Cash Rewards (drawdown with 36 tenors or above)
  HK$100,000 to HK$199,999	HK$700
  HK$200,000 to HK$799,999	HK$2,200
  HK$800,000 to HK$999,999	HK$4,200
  HK$1,000,000 to HK$1,499,999	HK$6,700
  HK$1,500,000 or above	HK$7,700

  • An extra HK$250 cash reward is entitled to new customers who have successfully opened a liviSave Account using the designated MoneyHero invitation code "MH#BT5" and complete a single transaction of HK$250 or above with livi PayLater Mastercard® / livi Debit Mastercard / livi UnionPay QR Payment, regardless of loan approval and/or drawdown.
  • This cash rebate is for reference only and the amount of rebate may vary depending on individual applications and may not be applicable to the loan amount and repayment period you apply for. The Offer earned will be credited to the Eligible Customers' liviSave account by the end of the fourth calendar month after the completion of the Specified Transaction.
  • Terms and conditions apply.
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  Product Features

  • Paying off all your card bills and loans with saved interest up to 96%
  • Extra Cash Reborrow Anytime without Reapproval 
    • Apply for "Balance Transfer" and get livi Flexi Loan "Personal Loan" with just one application
    • Reborrow anytime from the repaid loan amount without reapproval
  • Customized Repayment Solutions
    • Enjoy customized repayment solutions based on your financial status
  • Loan amount up to HK$2,000,000 or 21X of monthly salary
  • Repayment term from 3 to 72 months, HK$0 handling fee and annual fee

Need to know

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  Things you need to know

  • Our APR of as low as 2.90% is based on a HK$1,400,000 livi Flexi Loan “Balance Transfer” with a 12 months repayment period. The offer is subject to limited quota. In case of any disputes, the Bank reserves the right of final decision. Terms and Conditions apply. The interest rate shown above is for reference only.
  • If you apply for livi Flexi Loan "Balance Transfer", an additional revolving credit facility (livi Flexi Loan "Personal Loan") may be granted, depending on your needs and subject to the Bank's approval.
  • This rebate is indicative and for reference only. The cash rebate amount varies for applications, and may not be applicable to your applied loan amount and tenor. The offer is subject to limited quota. In case of any disputes, the Bank reserves the right of final decision. Terms and Conditions apply.
  • Any repaid principal amount can only be made available for re-borrowing for livi Flexi Loan “Personal Loan" customers after the relevant first instalment loan have been repaid for at least three months or the loan has been early settled.
  • The example is calculated based on an annual interest rate of 30% charged by a general credit card on a monthly repayment of 1% of the credit card outstanding balance or HK$100 (whichever is higher) with a 474-month repayment period. The Annualised Percentage Rate (APR) is 34.46%. For livi Flexi Loan "Balance Transfer", it is calculated based on a monthly flat rate of 0.25% with a 36-month repayment period. The total repayment amount is HK$218,000. The Annualised Percentage Rate (APR) is 5.83%. The total interest expenses over the whole repayment period quoted above are rounded to the nearest dollars. The example is for reference only.
  • The offer is subject to a limited quota. In case of any disputes, the Bank reserves the right of final decision. Terms and Conditions apply.
  • For details, please refer to the Key Facts Statement, relevant terms and conditions, and remarks for livi Flexi Loan at livi website or App.
  • To borrow or not to borrow? Borrow only if you can repay!