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Lending Company Loans Type
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Finding The Best Lending Company To Issue Loans In Hong Kong

In today's financial landscape, money lending companies have emerged as a convenient and accessible option for individuals seeking financial assistance. Whether you have an urgent financial need or require a loan with more lenient requirements, MoneyHero will help you find the best financial institution that fits your borrowing needs.

All Lending Company Loans Products

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Landing companies loan amount HK$100000 to be repaid in 24 months
HK$
edit
HK$ 200,000
HK$ 400,000
mth
edit
24 mth
36 mth
60 mth
Application incentive No early settlement penalty Approval at weekends Quick cash

PrimeCredit Fixed Loan

PrimeCredit Fixed Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Highest-valued Exclusive Offer
HK$6,800 Apple Store Gift Card
Up to HK$6,800 Apple Store Gift Card

+ 3 other gift options

Valid until

31 March 2024

MoneyHero Exclusive Offer - Get rewarded no matter the result
HK$1,000 Apple Store Gift Card
HK$1,000 Apple Store Gift Card

+ 1 other gift options

Valid until

31 March 2024

Welcome Offer
Up to HK$12,000 Cash Bonus
Up to HK$12,000 Cash Bonus

Valid until

30 April 2024

Apply with just ID card and mobile number Document free Same day apporval Small size loan

UA "NO SHOW" Personal Loan

UA "NO SHOW" Personal Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

UA rewards you the Best-in-town offer
HK$18,000 Cash Reward
HK$18,000 Cash Reward

+ 9 other gift options

Valid until

30 April 2024

UA rewards you the Best-in-town offer
HK$200 Cash Reward
HK$200 Cash Reward

Valid until

30 April 2024

Unbeatable Highest Exclusive Offers Instant Approval and Fast Transfers Weekend Approvals Available

WeLend Personal Loan

WeLend Personal Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

MoneyHero Highest Cash Rewards Offer
HK$19,000 Cash Reward
HK$19,000 Cash Reward

+ 6 other gift options

Valid until

31 March 2024

MoneyHero Exclusive Offer - Get rewarded no matter the result
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)

+ 2 other gift options

Valid until

02 April 2024

Application incentive Approval at weekends Quick cash

PrimeCredit Civil Servant & Professional Loan

PrimeCredit Civil Servant & Professional Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Highest-valued Exclusive Offer
HK$6,800 Apple Store Gift Card
Up to HK$6,800 Apple Store Gift Card

+ 3 other gift options

Valid until

31 March 2024

MoneyHero Exclusive Offer - Get rewarded no matter the result
HK$1,000 Apple Store Gift Card
HK$1,000 Apple Store Gift Card

+ 1 other gift options

Valid until

31 March 2024

Welcome Offer
Up to HK$12,000 Cash Bonus
Up to HK$12,000 Cash Bonus

Valid until

30 April 2024

Application incentive Approval at weekends Quick cash

PrimeCredit Balance Transfer

PrimeCredit Balance Transfer
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Highest-valued Exclusive Offer
HK$6,800 Apple Store Gift Card
Up to HK$6,800 Apple Store Gift Card

+ 3 other gift options

Valid until

31 March 2024

MoneyHero Exclusive Offer - Get rewarded no matter the result
HK$1,000 Apple Store Gift Card
HK$1,000 Apple Store Gift Card

+ 1 other gift options

Valid until

31 March 2024

Welcome Offer
Up to HK$12,000 Cash Bonus
Up to HK$12,000 Cash Bonus

Valid until

30 April 2024

Unbeatable Highest Exclusive Offers Instant Approval and Fast Transfers Weekend Approvals Available

【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan 

【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan 
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

MoneyHero Highest Cash Rewards Offer
HK$19,000 Cash Reward
HK$19,000 Cash Reward

+ 6 other gift options

Valid until

31 March 2024

MoneyHero Exclusive Offer - Get rewarded no matter the result
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)

+ 2 other gift options

Valid until

02 April 2024

Unbeatable Highest Exclusive Offers Instant Approval and Fast Transfers Weekend Approvals Available

WeLend Property Owner Loan

WeLend Property Owner Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

MoneyHero Highest Cash Rewards Offer
HK$19,000 Cash Reward
HK$19,000 Cash Reward

+ 6 other gift options

Valid until

31 March 2024

MoneyHero Exclusive Offer - Get rewarded no matter the result
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)

+ 2 other gift options

Valid until

02 April 2024

Quick cash Same day apporval Tax Demand Note required

UA Civil Servants and Professionals Express Loan

UA Civil Servants and Professionals Express Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

UA rewards you the Best-in-town offer
HK$18,000 Cash Reward
HK$18,000 Cash Reward

+ 9 other gift options

Valid until

30 April 2024

UA rewards you the Best-in-town offer
HK$200 Cash Reward
HK$200 Cash Reward

Valid until

30 April 2024

UA Seasonal Tax Loan

UA Seasonal Tax Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$
Quick cash No show-up Same day apporval

UA i-Money Express Online Personal Loan

UA i-Money Express Online Personal Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

UA rewards you the Best-in-town offer
HK$18,000 Cash Reward
HK$18,000 Cash Reward

+ 9 other gift options

Valid until

30 April 2024

UA rewards you the Best-in-town offer
HK$200 Cash Reward
HK$200 Cash Reward

Valid until

30 April 2024

Large size loan

UA Debts Consolidation Loan

UA Debts Consolidation Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

UA rewards you the Best-in-town offer
HK$18,000 Cash Reward
HK$18,000 Cash Reward

+ 9 other gift options

Valid until

30 April 2024

UA rewards you the Best-in-town offer
HK$200 Cash Reward
HK$200 Cash Reward

Valid until

30 April 2024

Unbeatable Highest Exclusive Offers Instant Approval and Fast Transfers Weekend Approvals Available

WeLend Card Debt Consolidation Loan

WeLend Card Debt Consolidation Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

MoneyHero Highest Cash Rewards Offer
HK$19,000 Cash Reward
HK$19,000 Cash Reward

+ 6 other gift options

Valid until

31 March 2024

MoneyHero Exclusive Offer - Get rewarded no matter the result
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)

+ 2 other gift options

Valid until

02 April 2024

Large size loan Collateral free

UA i-Money Express Online Personal Loan for Property Owner

UA i-Money Express Online Personal Loan for Property Owner
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

UA rewards you the Best-in-town offer
HK$18,000 Cash Reward
HK$18,000 Cash Reward

+ 9 other gift options

Valid until

30 April 2024

UA rewards you the Best-in-town offer
HK$200 Cash Reward
HK$200 Cash Reward

Valid until

30 April 2024

Approval at weekends 24 x 7 Application and approval No early settlement penalty full-time job not necessary

AEON Flexi Personal Loan Scheme

AEON Flexi Personal Loan Scheme
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Exclusive Offer
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

Welcome Offer
HK$12,000 Cash Reward
HK$12,000 Cash Reward

+ 6 other gift options

Valid until

30 September 2024

Welcome Offer
HK$500 Cash Rebate
HK$500 Cash Rebate

Valid until

30 September 2024

Approval at weekends 24 x 7 Application and approval Loan app

AEON Debt Consolidation Loan

AEON Debt Consolidation Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Exclusive Offer
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

Welcome Offer
HK$12,000 Cash Reward
HK$12,000 Cash Reward

+ 6 other gift options

Valid until

30 September 2024

Welcome Offer
HK$500 Cash Rebate
HK$500 Cash Rebate

Valid until

30 September 2024

Have some questions while choosing the best Lending Company Loans?

Why are the interest rates of lending companies always higher than banks?

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The interest rates offered by lending companies are generally higher than those offered by banks due to one main factor: risk assessment.

Lending companies typically have higher interest rates compared to banks owing to several factors. They primarily serve borrowers with lower credit scores or limited credit history, making them higher-risk candidates. To compensate for this elevated risk, lending companies charge higher interest rates as a precaution against potential losses. 

Can I borrow money from lending companies without income proof?

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Yes. If you cannot provide traditional income proof, you may explore alternative options or other lenders that cater to individuals with non-traditional income sources. These lenders may consider other factors, such as your assets, savings, or business revenue, as a basis for evaluating your repayment capacity.

Can companies lend money without proof of address?

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Yes. In some cases, lending companies may accept proof of address in alternative forms, such as utility bills in family member's name at the same address with the proof of relationship, or a letter from your employer confirming your address. Each lending company may have its specific requirements and policies regarding address proof, so it's advisable to contact them directly to inquire about their options.

Can I borrow money from lending companies without proof of identity?

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In most cases, no, but there may be some exceptions. It's advisable to contact lending companies directly to inquire about their specific requirements and whether they have alternative options available for those without their identity card as proof.

What are the consequences of late payment for lending companies?

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Same as borrowing money from a bank, the consequences of late payment for lending companies depend on the terms and conditions in the agreement. 

Lending companies typically impose late payment fees when borrowers fail to make their loan payments on time. These fees can vary in amount and may be a fixed fee or a percentage of the overdue payment.

If you consistently fail to make your loan payments on time, the lending company may initiate collection efforts to recover the overdue amount. This can involve contacting you via phone, email, or mail to request payment. In some cases, lending companies may engage debt collection agencies to recover the outstanding debt.

In extreme cases of non-payment, lending companies may pursue legal action to recover the unpaid amount. This can result in additional costs, such as legal fees, and may have long-term consequences on your credit history.

Does the law regulate lending companies and protect loan applicants?

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To protect loan applicants, the licensing of money lenders and regulation of money-lending transactions are governed by the Money Lenders Ordinance, Chapter 163 of the Laws of Hong Kong.It sets out licensing requirements for money lenders and establishes rules on interest rates, fees, advertising, and debt collection practices.

APR vs Monthly Flat Rate: Which should I pay attention to?

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Both APR and Monthly Flat Rate are common terms that will appear when looking for a loan. The APR represents the total cost of borrowing over a year, expressed as a percentage. It includes the nominal interest rate, as well as any additional fees or charges associated with the loan. The APR allows you to compare the cost of loans from different lenders on an annualised basis. It takes into account the interest rate, processing fees, administrative charges, and other costs, providing a more accurate representation of the true cost of the loan.

The Monthly Flat Rate, also known as the flat interest rate, is the interest charged on the loan amount every month. It is expressed as a percentage of the loan principal. The Monthly Flat Rate does not include additional fees or charges associated with the loan. It is a straightforward representation of the interest component of the loan repayment.

When comparing loan offers, you should consider the APR as it gives a more comprehensive view of the total cost of the loan. It considers both the interest rate and any additional fees or charges, providing a more accurate measure of the loan's overall cost. The APR allows you to compare loans with different interest rates and fees on an equal basis.

Lending Companies Loans Information

What are lending companies?

Lending companies, also known as money lenders, play a significant role in providing individuals in Hong Kong with access to much-needed funds. Lending companies serve as alternative sources of financing to traditional banks, offering a range of loan products with different features and terms. They typically have streamlined application processes, allowing you to apply for loans quickly and conveniently. This is particularly beneficial for individuals seeking prompt financial assistance.

What type of loan products do lending companies usually provide?

Lending companies in Hong Kong typically offer a variety of loan products to cater to the diverse financial needs of individuals. While the specific loan products may vary among different lending companies, here are some common types of loans:

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What are the tiers of lending companies and how do they differ from each other?

All legitimate lending companies hold the same type of money lender licence, their money-lending transactions are regulated by the Money Lenders Ordinance, Chapter 163 of the Laws of Hong Kong. There is no official classification into first-tier and second-tier lending companies, the “tiers” is just a colloquial term to identify different money lenders' company scale, application channels and approval requirements. 

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What is the difference between lending companies vs banks on loan applications?

When it comes to applying for loans, borrowers often have the option of approaching either lending companies or banks. While both serve as sources of financing, there are notable differences between the two. Understanding these distinctions can help borrowers choose the most suitable option for their specific needs and circumstances.

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What is the highest amount that lending companies in Hong Kong can provide?

The highest amount that lending companies in Hong Kong can provide as a loan depends on several factors, including the lending company's policies, the borrower's creditworthiness, and the purpose of the loan. For instance, higher creditworthiness generally means higher amounts, while lower credit scores can affect the eligibility of the loan.

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How to select a suitable lending company to borrow money from?

When choosing a financial institution, there are various elements to consider before determining which one is best for you. 

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What are the advantages of lending companies compared to bank loans?

While lending companies may charge higher interest rates and fees compared to banks, they also provide a range of advantages over traditional bank loans.

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Best Loans from Lending Companies

In today's dynamic financial landscape, money lending companies have become increasingly popular as a source of financial assistance. With a multitude of lenders in the market, each offering its own unique loan products, it can be challenging to determine which one is the best fit for your needs. From personal loans to business financing and debt consolidation options, money lending companies provide a wide array of choices to suit different requirements.

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