UA i-Money Express Online Personal Loan

Update time: Sept 2023

Total Repayment (as low as)


Monthly Repayment (as low as)


APR (as low as)

Monthly Flat Rate: 0.07%
[Feature] Cash will be transferred to your designated account
Seize the opportunity with sufficient cash flow

Great for

  • [UA Empower You To Fight Another Day] From 29 August 2023 till 31 December 2023, new and existing customers are entitled Cash Reward up to HK$18,000 Cash Reward:

    • Up to HK$200 Cash reward upon successful e-Cash Revolving Loan Account opening
    • Up to an extra HK$17,800 Cash Reward upon successful Personal Instalment Loan drawdown with a repayment period of 12 months or above according to the amount of the personal instalment loan
    Loan Amount of Personal Instalment Loan
    e-Cash Account Opening Reward Personal Instalment Loan Cash Reward Cash Reward(e-Cash Account Opening Reward + Personal Instalment Loan Reward)
    HK$800,000 or above HK$200 HK$17,800 HK$18,000
    HK$700,000 - HK$799,999 HK$200 HK$15,800 HK$16,000
    HK$550,000 - HK$699,999 HK$200 HK$13,800 HK$14,000
    HK$500,000 - HK$549,999 HK$200 HK$11,800 HK$12,000
    HK$400,000 - HK$499,999 HK$200 HK$9,800 HK$10,000
    HK$250,000 - HK$399,999 HK$200 HK$7,800 HK$8,000
    HK$110,000 - HK$249,999 HK$200 HK$4,800 HK$5,000
    HK$90,000 - HK$109,999 HK$200 HK$3,500 HK$3,700
    HK$70,000 - HK$89,999 HK$200 HK$2,500 HK$2,700
    HK$50,000 - HK$69,999 HK$200 HK$1,500 HK$1,700
    HK$30,000 - HK$49,999 HK$200 HK$800 HK$1,000
    HK$10,000 - HK$29,999 HK$200 HK$500 HK$700
    Below HK$10,000 HK$200 HK$100 HK$300
    • Limited time Cash reward offer is subject to terms and conditions. For details, please click here.
  • 【UA30 Smartphone Giveaway】

    • From now until 8 Nov 2023, the first new customer of the weekdays (except Saturdays, Sundays and public holidays) who successfully applies for a Personal Instalment Loan and reaches a loan amount of HK$100,000, and drawdown and repay the loans within the designated period will be entitled to win the latest smartphone (Marketing Price: HK$9,399) !
    • Eligibility:
      • New customers refer to customers who have never had any forms of loan transaction with the Company in the past, excluding e-Cash Revolving Loan applicants who had opened any accounts with the Company within the Promotion Period.
      • The first new customer of the day who successfully applies for a Personal Instalment Loan and reaches a loan amount of HK$100,000 or above during the Promotion Period and completes the designated missions within the designated period may have a chance to win the Prize.
      • Each loan account (including a joint account with more than one account holder) and each principal account holder (including a customer who was holding more than one account with the Company) shall only have one chance to win one Prize in this Campaign regardless of the number of successful loan applications and/or drawdowns transacted by such loan account and/or made by such customer.
      • Only customers who apply loan through the Internet, the “YES UA” mobile APP, customer service hotline, branches or the Loan Department of the Company are eligible to participate in this Campaign. Customers who submit loan applications through any other channels will not be entitled to enroll in this Campaign.
      • Staff employed by the Company are not eligible to participate in this Campaign.
    • Upon verification and confirmation by the Company that a customer has fulfilled all requirements to win the Prize, the Prize will be eligible to redeem through a redemption notice via SMS or email according to the mobile phone numbers or email address registered in the Company to the Winners on or before 30 April 2024. Winners must redeem the Prize in person and present a valid Hong Kong Identity Card for identity purpose, otherwise the Winner will be disqualified. Each Winner is required to redeem the Prize according to the instructions provided to him / her.
    • Terms and Conditions apply.
  • Product Features

    • Accepts applications from property owners with up to HK$1,000,000 required loan amount. A Deed of Assignment is not required from property owners, and they can enjoy a large turnover amount.
    • Loan amount of up to HK$500,000
    • Flexible repayment term of up to 60 months
    • Apply online anytime anywhere, no face-to-face contact is required
    • Whole loan process is completed 24x7 online
    • "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more referrals!

Need to know

  • Things you need to know

    • As of May 2023, UA’s cash reward is the highest among the major financial companies in Hong Kong
    • New and existing customers refer to the customers who have not any loan transaction with United Asia Finance Limited in the past 24 months from the date of application, excluding e-Cash Revolving Loan Account opened within the Promotion Period.
    • New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:
      • The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account
      • New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan
    • Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-12:30pm) and except to Sunday & public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.
    • United Asia Finance Limited reserves the right to make final decision on loan approval
    • Warning: You have to repay your loans. Don't pay any intermediaries.
      Enquiry and Complaint Hotline: 2681 8888
      Money Lender’s Licence No.: 0931/2023


Minimum Age
Permanent Resident

Required Documents

1. Hong Kong Identity Card
2. Recent income proof, e.g., payroll slip, tax demand note, monthly bank account statement/passbook with your salary or MPF statement
3. Employment proof
4. Current residential proof, e.g. utility bills, bank statement

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