Prime Credit Personal Loans | Latest Interest Rates, Loan Promotions, and Approval Times at a Glance
Updated: 13 Oct 2025
Prime Credit Loan is one of the popular financial company loans, offering plans such as Prime Credit Fixed-Amount Personal Loans and Prime Credit Balance Transfer Loans. Approval and fund transfer can be completed very quickly, and for loans under HK$100,000, 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 Prime Credit a good option? How fast is Prime Credit’s instant approval? Check out MoneyHero’s guide to Prime Credit 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$18,000 | HK$180 | 1.18 % | |
 | PrimeCredit Property Owner Personal Loan | HK$2,515 | HK$18,000 | HK$180 | 1.18 % | |
 | PrimeCredit Civil Servant & Professional Loan | HK$2,515 | HK$18,000 | HK$180 | 1.18 % | |
 | PrimeCredit Balance Transfer | HK$2,515 | HK$18,000 | HK$180 | 1.18 % |
Total Interest
HK$ 180Total Repayment
HK$ 30,180APR
1.18 %Handling Fee
HK$ 0For a PrimeCredit Fixed Loan of HK$30,000 over 12 months, you’ll enjoy via Moneyhero:
You’ll also receive the following welcome gift(s) directly from the bank:
- Online application with 24/7 instant approval and loan disbursement
- No income proof is required
- Repayment terms up to 72 months
- No handling fee, no early settlement fee
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website
- All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
Required Documents
(1) HKID Card
(2) Proof of address: such as utility bills, bank statements, etc., which need to show your name and most recent address.
(3) (Optional) Proof of income can be waived (subject to meeting credit record requirements)
Key Features
- Warning: You have to repay your loans. Don't pay any intermediaries
- Enquiry and Complaint Hotline: 2111 2999
- Money Lender's Licence No.: 647/2025
Total Interest
HK$ 180Total Repayment
HK$ 30,180APR
1.18 %For a PrimeCredit Property Owner Personal Loan of HK$30,000 over 12 months, you’ll enjoy via Moneyhero:
You’ll also receive the following welcome gift(s) directly from the bank:
- 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$1,200,000
- Repayment terms up to 84 months
- Property deeds are not required. Approval result can be received as fast as within 1 hour
- No Limitations on Property Usage & Types, be it private housing, tenement buildings, single block buildings, Tenants Purchase Scheme (TPS), or Home Ownership Scheme (HOS) flats without premium paid, standalone car park in residential, industrial or commercial property, or whether it’s self-used or leased rented out, you can get a loan as long as you are a property owner.
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website
- All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
Key Features
Warning: You have to repay your loans. Don't pay any intermediaries
Enquiry and Complaint Hotline: 2111 2999
Money Lender's Licence No.: 647/2025
Total Interest
HK$ 180Total Repayment
HK$ 30,180APR
1.18 %Handling Fee
HK$ 0For a PrimeCredit Civil Servant & Professional Loan of HK$30,000 over 12 months, you’ll enjoy via Moneyhero:
You’ll also receive the following welcome gift(s) directly from the bank:
- Repayment terms up to 72 months
- Monthly flat rate as low as 0.05%
- 14-day Flexi Payment
- No handling fee, no early settlement fee
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website
- All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
Key Features
Professionals
- including, but not limited to, doctors, nurses, lawyers, and teachers
- PrimeCredit reserves the right of final interpretation of the definition of professionals
Warning: You have to repay your loans. Don't pay any intermediaries
Enquiry and Complaint Hotline: 2111 2999
Money Lender's Licence No.: 647/2025
Total Interest
HK$ 180Total Repayment
HK$ 30,180APR
1.18 %Handling Fee
HK$ 0For a PrimeCredit Balance Transfer of HK$30,000 over 12 months, you’ll enjoy via Moneyhero:
You’ll also receive the following welcome gift(s) directly from the bank:
- "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.: 647/2025