CreFIT Loans 2025: Latest Promotions and Comparisons
Updated: 14 Oct 2025
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.
Total Interest
HK$ 1,068Total Repayment
HK$ 101,068APR
1.38 %Handling Fee
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 lender:
- 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
Eligibility
Minimum Age: 18 years old
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, and the calculation is based on 365 or 366 days in a year, the APR and Monthly Flat Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% and 0.343% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,019.33 and HK$16,464.00 respectively.
- 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 will be charged for each overdue instalment and late interest.
- CreFIT Cash Loan Applicant Requirements: Aged 18 or above, Hong Kong Permanent Resident, Hong Kong local mobile phone number, Average monthly salary of HK$5,000
- APR 1.98% - 36.00% in general
- Terms and Conditions apply
-
Warning: You have to repay your loans. Don’t pay any intermediaries.
- Inquiries and complaints hotline: 6369 2338
- Money Lender‘s Licence Number: 0819/2025
- VCREDIT Finance Limited
Total Interest
HK$ 1,068Total Repayment
HK$ 101,068APR
1.98 %Handling Fee
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 lender:
- 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
Eligibility
Minimum Age: 18 years old
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, and the calculation is based on 365 or 366 days in a year, the APR and Monthly Flat Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% and 0.343% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,019.33 and HK$16,464.00 respectively.
- 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 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$5,000
- APR 1.98% - 36.00% in general
- Terms and Conditions apply
-
Warning: You must repay your loans. Do not pay any intermediaries.
- Inquiries and complaints hotline: 6369 2338
- Money Lender‘s Licence Number: 0819/2025
- VCREDIT Finance Limited
Total Interest
HK$ 1,068Total Repayment
HK$ 101,068APR
1.38 %Handling Fee
HK$ 0For a CreFIT Debt Consolidation of HK$100,000 over 12 months, you’ll enjoy via Moneyhero:
You’ll also receive the following welcome gift(s) directly from the lender:
- 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
Eligibility
Minimum Age: 18 years old
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, and the calculation is based on 365 or 366 days in a year, the APR and Monthly Flat Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% and 0.343% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,019.33 and HK$16,464.00 respectively.
- 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 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$5,000
- APR 1.38% - 36.00% in general
- Terms and Conditions apply
-
Warning: You have to repay your loans. Don't pay any intermediaries.
- Inquiries and complaints hotline: 6369 2338
- Money Lender's Licence No.: 0819/2025
- VCREDIT Finance Limited
Total Interest
HK$ 1,068Total Repayment
HK$ 101,068APR
1.98 %Handling Fee
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
Eligibility
Minimum Age: 18 years old
Key Features
- Based on a loan amount of HK$200,000 with a repayment period in 24 months, and the calculation is based on 365 or 366 days in a year, the APR and Monthly Flat Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% and 0.343% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,019.33 and HK$16,464.00 respectively.
-
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 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.
-
APR 1.98%-36.00% in general
- Terms and Conditions apply.
-
Warning: You must repay your loans. Do not pay any intermediaries.
-
Inquiries and complaints hotline: 6369 2338
-
Money Lender‘s Licence Number: 0819/2025
-
VCREDIT Finance Limited