PrimeCredit Personal Loans | Latest Interest Rates, Loan Promotions, and Approval Times at a Glance
Updated: 15 Apr 2026
PrimeCredit Loan is one of the popular financial company loans, offering plans such as PrimeCredit Fixed-Amount Personal Loans and PrimeCredit Balance Transfer Loans. Approval and fund transfer can be completed very quickly, and for loans under HK$100,000 or below, no proof of income is required. The actual annual interest rate starts from as low as 1.18%, with no handling fees, administrative fees, or early repayment fees.
Is PrimeCredit a good option? How fast is PrimeCredit’s instant approval? Check out MoneyHero’s guide to PrimeCredit Loans, including welcome offers, loan features, and actual annual interest rates.
Loan | Monthly Repayment | MoneyHero Reward | Total Interest | APR | ||
|---|---|---|---|---|---|---|
 | PrimeCredit Fixed Loan | HK$2,515 | - | HK$180 | 1.18 % | |
 | PrimeCredit Property Owner Personal Loan | HK$2,515 | - | HK$180 | 1.18 % | |
 | PrimeCredit Civil Servant & Professional Loan | HK$2,515 | - | HK$180 | 1.18 % | |
 | PrimeCredit Balance Transfer | HK$2,515 | - | HK$180 | 1.18 % |
PrimeCredit Fixed Loan
Total Interest
HK$ HK$
180Total Repayment
HK$ HK$
30,180APR
1.18 %Handling Fee
HK$ HK$
0You'll also receive the following welcome gift(s) directly from the provider
- Online application with 24/7 instant approval and loan disbursement
- No income proof is required for loan amount HK$100,000 or below
- Repayment terms up to 72 months
- No handling fee, no early settlement fee
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website
- All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
Required Documents
(1) HKID Card
(2) Proof of address: such as utility bills, bank statements, etc., which need to show your name and most recent address.
(3) (Optional) Proof of income can be waived (subject to meeting credit record requirements)
Key Features
- Warning: You have to repay your loans. Don't pay any intermediaries
- Enquiry and Complaint Hotline: 2111 2999
- Money Lender's Licence No.: 608/2026
PrimeCredit Property Owner Personal Loan
Total Interest
HK$ HK$
180Total Repayment
HK$ HK$
30,180APR
1.18 %You'll also receive the following welcome gift(s) directly from the provider
- For property owners, a higher loan amount than a personal loan, no matter your financial needs or to repay a large sum of credit card debt.
- No handling fee, no early settlement fee
- Loan amount up to HK$1,200,000
- Repayment terms up to 84 months
- Property deeds are not required. Approval result can be received as fast as within 1 hour
- No Limitations on Property Usage & Types, be it private housing, tenement buildings, single block buildings, Tenants Purchase Scheme (TPS), or Home Ownership Scheme (HOS) flats without premium paid, standalone car park in residential, industrial or commercial property, or whether it’s self-used or leased rented out, you can get a loan as long as you are a property owner.
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website
- All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
Key Features
Warning: You have to repay your loans. Don't pay any intermediaries
Enquiry and Complaint Hotline: 2111 2999
Money Lender's Licence No.: 608/2026
PrimeCredit Civil Servant & Professional Loan
Total Interest
HK$ HK$
180Total Repayment
HK$ HK$
30,180APR
1.18 %Handling Fee
HK$ HK$
0You'll also receive the following welcome gift(s) directly from the provider
- Repayment terms up to 72 months
- Monthly flat rate as low as 0.05%
- 14-day Flexi Payment
- No handling fee, no early settlement fee
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website
- All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
Key Features
Professionals
- including, but not limited to, doctors, nurses, lawyers, and teachers
- PrimeCredit reserves the right of final interpretation of the definition of professionals
Warning: You have to repay your loans. Don't pay any intermediaries
Enquiry and Complaint Hotline: 2111 2999
Money Lender's Licence No.: 608/2026
PrimeCredit Balance Transfer
Total Interest
HK$ HK$
180Total Repayment
HK$ HK$
30,180APR
1.18 %Handling Fee
HK$ HK$
0You'll also receive the following welcome gift(s) directly from the provider
- "PrimeCredit Balance Transfer Analyst" provides a professional analysis of your current card and loan indebtedness, and tailor-make the most interest-saving and fastest repayment plan for your needs
- No handling fee, no early settlement fee
- Repayment terms up to 72 months
- Online application with instant approval result
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website
- All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
Key Features
Warning: You have to repay your loans. Don't pay any intermediaries
Enquiry and Complaint Hotline: 2111 2999
Money Lender's Licence No.: 608/2026