CreFIT Loans 2026: Latest Promotions and Comparisons
Updated: 23 Apr 2026
CreFIT loans are one of the popular financial company loans, offering quick approval and fast fund transfers. No proof of income is required, and they provide plans such as CreFIT Cash Loans and CreFIT Card Loans. The actual annual interest rate starts from as low as 1.98%, with no handling fees, administrative fees, or early repayment fees.
Is CreFIT a good option? How fast is CreFIT’s instant approval? Check out MoneyHero’s guide to CreFIT loans, including welcome offers, loan features, and actual annual interest rates.
Monthly Repayment
HK$ HK$
8,393Total Interest
HK$ HK$
719Effective Rate
1.38 %Handling Fee
HK$ HK$
0For a CreFIT Cash Loan (For Civil Servants and Professionals) of HK$100,000 over 12 months, you’ll enjoy via Moneyhero
You'll also receive the following welcome gift(s) directly from the provider
- Cash Loan Approval Pledge^
- Incognito mode quotation with no impact on credit rating#, No income proof required.
- Repayment tenor of 6, 12, 18, 24, 30, 36, 42 or 48 months
- Loan amounts up to HK$500,000
- No extra and hidden fee
- #No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that
Required Documents
(1) HKID Card
(2) Mobile phone
Key Features
- For example, if the loan amount is HK$200,000 with repayment period in 24 months, the Effective Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,027.78 and HK$16,666.72 respectively.
- The effective rate is a reference rate that displays the loan interest rate and other fees on an annualized basis. The effective rate is calculated using the method specified in the Money Lenders Ordinance, calculating the annual interest rate on the same basis. All accredited Hong Kong lending companies use the same set of calculation rules and settings.
- There is no drawdown fee or annual fee for this loan product. If the loan instalment is not fully repaid on the due date, a fixed late fee of HK$300 and late interest will be charged for each overdue instalment.
- CreFIT Cash Loan Applicant Requirements: Aged 18 or above, Hong Kong Permanent Resident, Hong Kong local mobile phone number, Average monthly salary of HK$5,000
- Effective Rate as low as 1.38%-36.00% in general
- Terms and Conditions apply
-
Warning: You have to repay your loans. Don't pay any intermediaries
- Inquiries and complaints hotline: 6369 2338
- Money Lender‘s Licence No.: 577/2026
- VCREDIT Finance Limited
Monthly Repayment
HK$ HK$
8,393Total Interest
HK$ HK$
719Effective Rate
1.38 %Handling Fee
HK$ HK$
0For a CreFIT Cash Loan of HK$100,000 over 12 months, you’ll enjoy via Moneyhero
You'll also receive the following welcome gift(s) directly from the provider
- Cash Loan Approval Pledge^
- Incognito mode quotation with no impact on credit rating#, No income proof required.
- Repayment tenor of 6, 12, 18, 24, 30, 36, 42 or 48 months
- Loan amounts up to HK$500,000
- No extra and hidden fee
- #No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that
Required Documents
(1) HKID Card
(2) Mobile phone
Key Features
- For example, if the loan amount is HK$200,000 with repayment period in 24 months, the Effective Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,027.78 and HK$16,666.72 respectively.
- The effective rate is a reference rate that displays the loan interest rate and other fees on an annualized basis. The effective rate is calculated using the method specified in the Money Lenders Ordinance, calculating the annual interest rate on the same basis. All accredited Hong Kong lending companies use the same set of calculation rules and settings.
- There is no drawdown fee or annual fee for this loan product. If the loan instalment is not fully repaid on the due date, a fixed late fee of HK$300 and late interest will be charged for each overdue instalment.
- CreFIT Cash Loan Applicant Requirements: Aged 18 or above, Hong Kong Permanent Resident, Hong Kong local mobile phone number, Average monthly salary of HK$5,000
- Effective Rate as low as 1.38%-36.00% in general
- Terms and Conditions apply
-
Warning: You have to repay your loans. Don't pay any intermediaries.
- Inquiries and complaints hotline: 6369 2338
- Money Lender‘s Licence No.: 577/2026
- VCREDIT Finance Limited
Monthly Repayment
HK$ HK$
8,393Total Interest
HK$ HK$
719Effective Rate
1.38 %Handling Fee
HK$ HK$
0You'll also receive the following welcome gift(s) directly from the provider
- Loan eligibility is restricted to selected customers subject to the CreFIT’s approval
- Incognito mode quotation with no impact on credit rating#, No income proof required
- Repayment tenor of 6, 12, 18, 24, 30, 36, 42 or 48 months
- Loan amounts up to HK$500,000
- No extra and hidden fee
- Complete the CreFIT Debt Consolidation application and obtain approval within one business day
Required Documents
(1) HKID Card
(2) Mobile phone
Key Features
- For example, if the loan amount is HK$200,000 with repayment period in 24 months, the Effective Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,027.78 and HK$16,666.72 respectively.
- The effective rate is a reference rate that displays the loan interest rate and other fees on an annualized basis. The effective rate is calculated using the method specified in the Money Lenders Ordinance, calculating the annual interest rate on the same basis. All accredited Hong Kong lending companies use the same set of calculation rules and settings.
- There is no drawdown fee or annual fee for this loan product. If the loan instalment is not fully repaid on the due date, a fixed late fee of HK$300 and late interest will be charged for each overdue instalment.
- CreFIT Cash Loan Applicant Requirements: Aged 18 or above, Hong Kong Permanent Resident, Hong Kong local mobile phone number, Average monthly salary of HK$5,000
- Effective Rate as low as 1.38%-36.00% in general
- Terms and Conditions apply
-
Warning: You have to repay your loans. Don't pay any intermediaries.
- Inquiries and complaints hotline: 6369 2338
- Money Lender's Licence No.: 577/2026
- VCREDIT Finance Limited
Monthly Repayment
HK$ HK$
8,419Total Interest
HK$ HK$
1,031Effective Rate
1.98 %Handling Fee
HK$ HK$
0- No credit report check, not affecting credit rating
- No need to appear in person, instant cash transfer
- 7-days cooling-off period
- Loan amounts up to HK$200,000
- Repayment tenor of 3, 6, 9, 12, 18 or 24 months
Key Features
- For example, if the loan amount is HK$200,000 with repayment period in 24 months, the Effective Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,027.78 and HK$16,666.72 respectively.
- The effective rate is a reference rate that displays the loan interest rate and other fees on an annualized basis. The effective rate is calculated using the method specified in the Money Lenders Ordinance, calculating the annual interest rate on the same basis. All accredited Hong Kong lending companies use the same set of calculation rules and settings.
-
There is no drawdown fee or annual fee for this loan product. If the loan instalment is not fully repaid on the due date, a fixed late fee of HK$300 and late interest will be charged for each overdue instalment.
-
Applicants must be Hong Kong permanent residents aged 18 or above, provide a Hong Kong local mobile phone number and have an average monthly salary of HK$5,000.
-
Effective Rate as low as 1.98%-36.00% in general
- Terms and Conditions apply.
-
Warning: You have to repay your loans. Don't pay any intermediaries
-
Inquiries and complaints hotline: 6369 2338
-
Money Lender‘s Licence Number: 577/2026
-
VCREDIT Finance Limited
Better rates start with knowing your score
See how lenders view your profile — no impact to your record