Your Guide to UA Finance Personal Loans in Hong Kong | Interest Rates + Welcome Offer up to HK$18,000 Reward
Updated: 23 Jun 2025
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Try adjusting your loan amount or tenure to see more options.United Asia Finance (UA Finance) Personal Loans
- Whole loan process is completed 24x7 online
- Apply online anytime anywhere, no face-to-face contact is required
- Property owners enjoy a large loan amount up to HK$1,500,000 with flexible cash out. No property deed is required
- Flexible repayment term of up to 24 months
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
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
- 1. The minimum and maximum repayment period is 3 months and 60 months respectively.
2. According to the Money Lenders Ordinance, the maximum annual percentage rate is 48%.
3. A representative example of total cost for a loan below is for reference only: - o Loan amount: HK$10,000
o Monthly installment of HK$1,672 for 6 months
o Interest rate: 0.092% per month
o Annual percentage rate: 1.1%
o Total repayment amount: HK$10,032 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
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.: 0805/2025
- APR as low as 1.38%. Flexible repayment term of 6 to 60 months
- Apply online anytime anywhere, no face-to-face contact is required
- Swift approval
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more referrals!
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
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
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.: 0805/2025
- Whole loan process is completed 24x7 online
- Apply online anytime anywhere, no face- to-face contact is required
- Property owners enjoy a large loan amount up to HK$1,500,000 with flexible cash out. No property deed is required
- Flexible repayment term of up to 60 months
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
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
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.: 0805/2025
- A consolidated loan to clear all your debts to reduce interest expense for you
- Minimize your interest expenses
- Flexible repayment terms
- Tailor-made interest rate
- Loan amount of up to HK$2,000,000
- Flexible repayment term of up to 60 months; No handling fee
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more referrals!
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
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
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
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.: 0805/2025
About United Asia Finance
Established in 1993, United Asia Finance Limited (UA Finance) is a member of Sun Hung Kai & Co. With a history spanning over 30 years, UA Finance operates 47 branches across Hong Kong. The company offers various loan products, including personal instalment loans, UA i-Money Internet Personal Loans, balance transfer loans, property owner loans, and civil servant loans. Customers can apply for loans online, and upon approval, funds are promptly transferred to their accounts via FPS.
UA Finance Personal Loan Features
UA Finance offers a variety of personal loan products, with maximum loan amounts up to HK$2 million and annual percentage rates (APRs) as low as 1.38%. Repayment periods are flexible, ranging from 3 to 60 months.
The online loan application system operates 24/7, allowing borrowers to submit applications at any time without visiting a branch. There are no handling fees for the loans. Once approved, funds are instantly transferred to the borrower's designated bank account via FPS, providing a quick solution for urgent financial needs.
While UA offers attractive low-interest personal loans to help with one-time emergency expenses or short-term financial needs, borrowers should carefully consider their repayment ability to avoid over-borrowing.
General Requirements on UA Finance Loan Application
The loan application process with UA Finance is straightforward and requires minimal documentation.
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Applicants must be at least 18 years old and permanent residents of Hong Kong.
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Applications can be submitted online or via phone.
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Certain products, such as the Civil Servants & Professionals Express Loan, require applicants to be civil servants or licensed professionals (e.g., doctors, nurses, lawyers, accountants).
Upon approval, funds are instantly transferred to the specified bank account via FPS. UA's flexible loan solutions are particularly suitable for customers in need of quick financial assistance.
The Advantages of Borrowing with UA Finance
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Support for online applications without the need to visit a branch
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Instant fund transfer via FPS
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Competitive annual percentage rates
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Flexible conditions, including no income proof or guarantor requirements
Who Is Eligible for a Loan Application
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Individuals Looking to Build Credit History: While UA Finance may report overdue payments to credit bureaus, timely repayments might not be recorded. If building credit history is the goal, consider using credit cards or bank loans.
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Frequent Overdrafters: Although UA loans offer flexibility, borrowers must adhere to repayment schedules. Late payments can negatively impact credit records.
Repayment Method
UA loans can be repaid through the following methods:
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Bank autopay
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PPS (Payment by Phone Service)
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In-person at any UA branch using cash, cheque, or EPS
UA Finance Branches
UA Finance operates 47 branches across Hong Kong. Business hours are Monday to Friday from 9:00 AM to 6:00 PM (with the UA Customer Service Center, which is located on Gloucester Road in Wan Chai, open until 7:00 PM), and Saturday from 9:00 AM to 1:00 PM.
UA Finance Branches
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UA Customer Service Center: 5/F, Allied Kajima Building, 138 Gloucester Road, Wan Chai.
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Aberdeen Branch: 1/F, 178 Aberdeen Main Road, Aberdeen.
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Admiralty Branch: Room C2, 15/F, United Centre, 95 Queensway, Admiralty.
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Causeway Bay I Branch: Room 13, 11/F, East Point Centre, 555 Hennessy Road, Causeway Bay.
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Causeway Bay II Branch: Room 802-803, 8/F, Causeway Bay Centre, 15-23 Sugar Street, Causeway Bay.
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Central I Branch: Shop 5, G/F & 1/F, Central 88, 88-98 Des Voeux Road Central, Central.
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Central II Branch: Room 1402-1403, 14/F, Century Square, 1-13 D'Aguilar Street, Central.
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Chai Wan Branch: Shop 75-76, G/F, Block B, Walton Estate, 341-343 Chai Wan Road, Chai Wan.
- North Point Branch: Shop H, G/F, Wah Hoi Mansion, 254-280 Electric Road, North Point.
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Sai Ying Pun Branch: G/F, 151 Des Voeux Road West, Sai Ying Pun.
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Shau Kei Wan Branch: G/F, 100 Shau Kei Wan Road.
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Wan Chai Branch: 1/F, Tower 188, 188-190 Hennessy Road, Wan Chai.
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Quarry Bay Branch: Shop 7, G/F, Dragon View House, 7-9 Hoi Kwong Street, Quarry Bay.
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Cheung Sha Wan Branch: Shop 2C, G/F, Cheung Lung Industrial Building, 10 Cheung Yee Street, Cheung Sha Wan.
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Hung Hom Branch: G/F, 124 Ma Tau Wai Road, Hung Hom.
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Jordan Branch: 1/F, Double Set Commercial Centre, 37A-B, Jordan Road.
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Kowloon Bay Branch: Room 10, 14/F, Telford House, 16 Wang Hoi Road, Kowloon Bay.
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Kowloon City Branch: Shop LG27-28, LG/F, Kowloon City Plaza, 128 Carpenter Road, Kowloon City.
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Kwun Tong I Branch: Room 1501-02, 15/F, Kwun Tong View, 410 Kwun Tong Road, Kwun Tong.
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Kwun Tong II Branch: G/F, 60 Hong Ning Road, Kwun Tong.
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Mong Kok I Branch: 17/F, Midland Financial Building, 33 Argyle Street, Mong Kok.
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Mong Kok II Branch: 2/F, Shun Wah Building, 735-735A Nathan Road, Mong Kok.
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Mong Kok III Branch: 1/F, 74-76 Shantung Street, Mong Kok.
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San Po Kong Branch: G/F, 57 Hong Keung Street, San Po Kong.
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Sham Shui Po Branch: Shop 2-10, G/F, Chong Fat Commercial Building, 266-268 Cheung Sha Wan Road, Sham Shui Po.
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Tai Kok Tsui Branch: Shop E4f, G/F, 56-58 Ivy Street, Tai Kok Tsui.
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To Kwa Wan Branch: Shop 36, G/F, Honour Building, 78-80 To Kwa Wan Road, To Kwa Wan.
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Tsim Sha Tsui Branch: Room B-E, 104F, Metropole Building, 57 Peking Road, Tsim Sha Tsui.
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Tsim Sha Tsui East Branch: Shop 49-50, 1/F, Harbour Crystal Centre, 100 Granville Road, Tsim Sha Tsui East.
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Wong Tai Sin Branch: Shop B, G/F, Wing Kin Mansion, 83-89 Fung Tak Road, Wong Tai Sin.
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Yau Ma Tei Branch: Room B, 7/F, Full Win Commercial Centre, 573 Nathan Road, Mong Kok.
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Fanling Branch: Shop No. 03B, G/F, Commune Modern, 28 Wo Fung Street, Fanling.
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Kwai Chung Branch: Shop 43, 1/F, Kwai Chung Plaza, Kwai Foo Road, Kwai Chung.
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Ma On Shan Branch: A22, G/F, Ma On Shan Centre, 1 On Chun Street, Ma On Shan.
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Sha Tin Branch: Shop 12A-13, Level 1, Lucky Plaza, Sha Tin.
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Sheung Shui Branch: Room 1022, 10/F, Landmark North, 39 Lung Sum Avenue, Sheung Shui.
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Tai Po Branch: Shop B2, Central Plaza, 51-59 Kwong Fuk Road, Tai Po.
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Tai Wai Branch: Shop B, G/F, 54-58 Tai Wai Road, Shatin.
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Tin Shui Wai Branch: Shop 2115, 2/F, One Sky Mall, 8 Tin Sau Road, Tin Shui Wai.
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Tseung Kwan O Branch: Shop E023-024, G/F, East Wing, TKO Gateway, Hau Tak Estate, 2 Sheung Ning Road, Tseung Kwan O.
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Tsing Yi: Shop 112, G/F, Cheung Fat Plaza, Cheung Fat Estate, 6 Tam Kon Shan Road, Tsing Yi
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Tsuen Wan I Branch: Room 1818B-1819, Nan Fung Centre, 264-298 Castle Peak Road, Tsuen Wan.
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Tsuen Wan II Branch: Shop 3, G/F, Chung On Building, 297-313 Sha Tsui Road, Tsuen Wan.
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Tuen Mun I Branch: Room 9, 23/F, North Wing, Tuen Mun Parklane Square, 2 Tuen Hi Road, Tuen Mun
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Tuen Mun II Branch: Shop 11, G/F, Ming Wai Building, 4-26 Tuen Mun Heung Sze Wui Road, Tuen Mun
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Yuen Long Branch: Room 905-907, 9/F, Yuen Long Centre, 51-59 Sau Fu Street, Yuen Long.
FAQs
During the promotional period, new customers who successfully apply for a UA Finance personal loan and draw down a specified loan amount can receive up to HK$18,000 in cash rewards, along with exclusive MoneyHero offers such as a HK$1,000 Wellcome cash voucher or Apple Gift Card.
Repayment periods vary depending on the loan plan. For instance, the UA i-Money Internet Personal Loan, UA "NO SHOW" Personal Loan, and Debt Consolidation Loan offer repayment terms ranging from 3 to 60 months. The UA i-Money Express Property Owner Online Personal Loan offers terms from 3 to 72 months.
Applicants must be at least 18 years old and permanent residents of Hong Kong.
While UA Finance does not specify the exact approval time, once a loan is approved, funds can be instantly transferred via FPS.
UA Finance operates from Monday to Friday, 9:00 AM to 6:00 PM (with the UA Customer Service Center, which is located on Gloucester Road in Wan Chai, open until 7:00 PM), and Saturday from 9:00 AM to 1:00 PM.
You can reach UA Finance by phone at 2681 8888, by fax at 2681 8899, or via email at enquiry@uafinance.com.