[Loans 2026] Check out instant approval personal loan rates and the latest borrowing offers now!
Updated: 22 May 2026
Loan | APR | Monthly repayment | MoneyHero Reward | Total interest | ||
|---|---|---|---|---|---|---|
 | WeLend Personal Loan | 1.00 % | HK$12,743 | HK$15,600 | HK$5,832 | |
 | Citi Speedy Cash Personal Loan | 1.78 % | HK$12,740 | HK$7,700 | HK$5,760 | |
 | PrimeCredit Fixed Loan | 1.18 % | HK$12,650 | HK$1,500 | HK$3,600 | |
 | OCBC Bank Personal Loan | 1.68 % | HK$12,921 | HK$8,600 | HK$4,032 | |
 | CNCBI $mart Plus Personal Installment Loan | 1.78 % | HK$12,614 | HK$4,800 | HK$2,736 | |
 | UA i-Money Internet Personal Loan | 1.10 % | HK$12,644 | HK$9,780 | HK$3,456 | |
 | Standard Chartered Personal Instalment Loan | 1.85 % | HK$12,749 | HK$6,000 | HK$5,976 | |
 | CCB (Asia) Personal Instalment Loan (Suitable for Tax Season) | 1.50 % | HK$12,717 | HK$5,500 | HK$5,206 | |
 | BOC Express Cash Instalment Loan | 5.43 % | HK$13,202 | HK$2,000 | HK$16,841 | |
 | DBS Debt Consolidation Loan | 6.38 % | HK$12,830 | HK$9,500 | HK$7,920 | |
 | BEA Instalment Loan | 1.00 % | HK$12,635 | HK$24,100 | HK$3,240 | |
 | WeLab Bank Personal Instalment Loan | 0.65 % | HK$12,740 | HK$7,000 | HK$5,760 | |
 | Dah Sing Express Money Instalment Loan | 1.68 % | HK$12,901 | HK$2,900 | HK$9,634 | |
 | CreFIT Cash Loan | 1.38 % | HK$12,680 | HK$23,200 | HK$4,313 | |
 | ZA Bank Instalment Loan | 1.30 % | HK$12,675 | HK$3,000 | HK$4,205 | |
 | HSBC Personal Instalment Loan | 5.81 % | HK$13,250 | - | HK$18,000 | |
 | Mox Instant Loan (Suitable for Tax Season) (New Customers) | 1.02 % | HK$12,671 | - | HK$4,104 | |
 | DBS Personal Instalment Loan | 4.03 % | HK$12,530 | HK$3,600 | HK$720 | |
 | CNCBI $mart Plus Personal Installment Loan – Debt Consolidation | 7.20 % | HK$13,160 | HK$4,800 | HK$15,840 | |
 | Standard Chartered Debt Consolidation Program | 4.67 % | HK$13,105 | HK$7,800 | HK$14,508 | |
 | CCB (Asia) “Low Interest” Balance Transfer Program | 4.95 % | HK$13,160 | HK$9,500 | HK$15,840 | |
 | OCBC Bank Balance Transfer Personal Loan | 3.25 % | HK$12,662 | HK$10,600 | HK$3,888 | |
 | Citi Card Debt Consolidation Loan | 5.40 % | HK$13,220 | HK$7,700 | HK$17,280 | |
| BOC Express Cash Instalment Loan Balance Transfer | 10.01 % | HK$13,510 | HK$2,000 | HK$24,228 | |
 | CreFIT Cash Loan (For Civil Servants and Professionals) | 1.38 % | HK$12,680 | HK$23,200 | HK$4,313 | |
| CreFIT Debt Consolidation | 1.38 % | HK$12,680 | HK$20,000 | HK$4,313 | |
 | PrimeCredit Balance Transfer | 1.18 % | HK$12,650 | HK$1,500 | HK$3,600 | |
 | PrimeCredit Property Owner Personal Loan | 1.18 % | HK$12,650 | HK$1,500 | HK$3,600 | |
 | PrimeCredit Civil Servant & Professional Loan | 1.18 % | HK$12,650 | HK$1,500 | HK$3,600 | |
 | UA Property Owner's Loan | 2.98 % | HK$12,680 | HK$9,780 | HK$4,320 | |
 | UA Civil Servants and Professionals Express Loan | 1.38 % | HK$12,680 | HK$8,000 | HK$4,320 | |
 | UA Debts Consolidation Loan | 1.68 % | HK$12,719 | HK$8,980 | HK$5,249 | |
 | WeLend Card Debt Consolidation Loan | 2.78 % | HK$12,743 | HK$15,600 | HK$5,832 | |
 | WeLend No Document Loan | 1.88 % | HK$12,743 | - | HK$5,832 | |
 | 【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan | 1.00 % | HK$12,743 | HK$15,600 | $5,832 | |
 | WeLend Property Owner Loan | 1.00 % | HK$12,746 | HK$13,800 | $5,904 | |
 | WeLab Bank Card Debt Consolidation Loan | 4.11 % | HK$13,032 | HK$7,000 | HK$12,773 | |
 | WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals) | 0.65 % | HK$12,740 | HK$7,000 | HK$5,760 | |
| Lease Cashout | 8.45 % | HK$12,500 | HK$600 | HK$0 | |
| Debt Changer | 3.95 % | HK$12,740 | HK$4,888 | HK$5,760 | |
 | OK Finance Express Personal Loan | New Customer Limited Offer | 1.12 % | HK$12,650 | HK$5,000 | HK$3,600 | |
| OK Finance Express Debt Consolidation Loan | Limited Special Offer for New Customers | 1.12 % | HK$12,650 | HK$5,000 | HK$3,600 | |
| OK Finance Express Property Owner Loan | Greater Loan Size | Simple Procedure with No Property Deeds Required | 15.00 % | HK$14,450 | HK$5,000 | HK$46,800 | |
| Citi Speedy Cash Personal Loan (Suitable for Car Loan) | 1.78 % | HK$12,740 | HK$7,700 | HK$5,760 | |
| BEA Car Loan | 1.00 % | HK$12,635 | HK$24,100 | HK$3,240 | |
| PrimeCredit Unsecured Car Loan | 1.18 % | HK$12,650 | HK$2,500 | HK$3,600 | |
 | Dah Sing Credit Mastermind Instalment Loan | 4.83 % | HK$12,830 | HK$2,700 | HK$7,920 |
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1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- Enjoy Cash Reward up to HK$33,800 upon successfully draw down
- A.I. fully automated loan with simplified loan process; from application, approval to disbursement, all done online.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
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- HKID Copy
- Disbursement account proof
- Residential address proof
- Commission Based Salary: Minimum recent 3 months of Income Proof
- Real Estate Industry: Minimum recent 6 months of Income Proof
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Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0900/2025
1. Fill in the application form and submit it together with the required documents.
2. Wait for the loan approval result
3. Disburse the loan
- Same-day approval and same-day loan disbursement
- The loan amount is up to 12 times of the monthly salary or HK$3,500,000, whichever is lower
- Repayment term up to 60 months, HK$0 handling fee
- No hidden terms and conditions
- Hong Kong Identity Card
- Income proof (for example: latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number))
- Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
- Latest residential address proof (for example: electricity bill or bank statement)
- Any other documents or certificates deemed appropriate.
- The annualized percentage rate (“APR”) ranges from 1.78% to 35.78%, with repayment period of 6 to 60 months.
- The Annualized Percentage Rate ("APR") of as low as 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 months.
- The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HKD1,500,000 with 12 months repayment period, the monthly flat rate is 0.08% (APR 1.78%, excluding any cash rebate) and the total loan repayment amount is HKD1,514,400 (including full handling fee waiver). The above example is for reference only
Remarks:
- The Annualized Percentage Rate ("APR") of as low as 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 months, and is applicable to Citigold Private Client customers with Citi ULTIMA. APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer's profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
- Loan amount of Citi Speedy Cash is up to 12x times of your monthly salary or HK$3,500,000, whichever is lower.
- Repayment period of Citi Speedy Cash is of 6 to 60 months.
- Application hotline service hours: Monday to Friday 9:30am – 6:30pm (not applicable to Hong Kong public holiday).
- “Instant Disbursement Upon Loan Approval” is only applicable for disbursement to participating banks of Faster Payment System (FPS), and is subject to Citi’s loan approval and availability of FPS, while the crediting to the recipient’s account is subject to the recipient bank’s handling. Processing time may vary in some cases depending on the actual circumstances of individual applications.
To borrow or not to borrow? Borrow only if you can repay!
- 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
(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)
- 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
1. Apply Online
2. Application and Documents Submission: The relationship officer will contact you to complete the application form and submit the required documents.
3. Application Approval: Generally, the application result will be notified within 1 to 2 working days after submitting the documents. Instant approval can also be offered upon request, with the process completed as soon as the same day.
4. Loan Drawdown: Upon completion of loan confirmation process, the fund will be disbursed to your designated bank account via bank transfer or cashier order.
- APR as low as 1.68%
- Loan amount up to HK$2,000,000 or 20X of your monthly salary (whichever is lower)
- Repayment tenor up to 60 months
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
- APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis.
- If the loan amount is $1,500,000 with the monthly flat rate at 0.062%, when approval is obtained from the Bank, the APR for 12 months will be 1.68% (inclusive of HK$12,600 cash rebate) or 3.28% (excluding cash rebate), including the handling fee of 1.00% per annum, the total repayment amount will be HK$1,511,160. The loan handling fee is to be paid in full upon loan drawdown. The value of the Rebate that an Eligible Customer is entitled to will depend on the Loan amount applied for and drawn down and the APR.
- Example is for reference only, APR may differ with different loan amounts and tenors.
- For details, please contact our staff..
- To borrow or not to borrow? Borrow only if you can repay!
- Fill in the online application form
- Submit the required documents
- Receive the approval result
- Confirm offer and disburse loan
- APR as low as 1.78%
- Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
- Flexible repayment period of 6 to 60 months
- Same day disbursement to your CNCBI account
1. HKID card / passport / other identification document
2. Bank statement or passbook showing your latest 1-month income proof (including the copy of front cover page
of your passbook which shows your name and account number) or any type of income proof. Please provide
the latest 2-month income proof if you are commission based income earner
3. If you are self-employed, please provide Business registration certificate and the latest profits tax demand note, and
the latest 3-month company account statements
4. Residential address proof showing your name issued within the latest 3 months (e.g. electricity bills or bank statements)
5. Proof of professional qualification (For professionals only)
6. If you are not holder of Hong Kong permanent identity card, please submit passport/ Exit/ Entry Permit for Travelling to and from Hong Kong and Macau/ identity card of place of origin and working visa issued by the Hong Kong SAR Government
7. Full copy of the front cover page of passbook / bank statement of the loan disbursement account
8. Autopay authorization form
9. Loan confirmation letter(s) or latest 1-month statement(s) (showing your name and account number) of credit card(s) and loan(s) that you wish to transfer to CNCBI $mart Plus Personal Installment Loan
- The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate. The respective APRs are rounded to the nearest two decimal places.
- The APR 1.78% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.038%, including a Handling Fee of 0.5% per annum. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee. The handling fee of 1% is for other scenario.
- Handling Fee is charged 1% per annum based on loan amount and shall be deducted upon loan drawdown.
- Same-day fund disbursement service is applicable to customers who use CNCBI bank account for fund disbursement, and it only applies to our Bank’s service hours (Monday to Friday from 9:00 am to 8:00 pm and except Saturday, Sunday and public holidays). The processing time starts when the approved loan is confirmed with the Bank.
- Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay! Please visit the website
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
- 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.
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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
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
- Maximum loan amount of up to 18X monthly salary or HK$4,000,000 (whichever is lower)
- Max Loan Repayment Tenure: 60 months; 0% handling fee
- 7-Day Cooling-off Period - Early redemption fees and changes waiver with waiver on early redemption fee and charges
1. Hong Kong Permanent Identity Card
2. Latest residential address proof showing your name
3. For regular income earners, please enclose latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing name, account number and salary entries;
For irregular income earners, please enclose latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing name, account number and salary entries;
For self-employed applicants, please enclose a Business Registration Certificate AND latest Profits Tax Demand Note
- The Annualised Percentage Rate is 1.85% (for clients with loan amount of HK$1,500,000 or above and tenor of 12 months). APRs are reference rates which include the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The preferential interest rates are only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application, or clients who use the Bank’s auto-payroll services or SCB Priority Private / Priority Banking Customers. The Bank reserves the right to determine the applicable interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions
- The Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
- Standard Chartered Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.
- Eligibility: With fixed annual income of HK$96,000 or above; and Hong Kong permanent residents aged 20 or above
- The monthly flat rate shown above was rounded to 2 decimal places and for reference only.
- To borrow or not to borrow? Borrow only if you can repay!
1. Fill out the form and submit your documents
2. Dedicated follow-up and approval updates
3. Get your loan in no time!
- 3 months 0% interest (Suitable for Tax Season)
- APR as low as 1.5%
- Handling fee wavier
- Loan amount up to HK$3,000,000 or 18 times of monthly salary (whichever is lower)
- Hong Kong Identity Card
- Income proof
- Latest month's payroll slip
- Latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number)
- Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
- Latest residential address proof (for example: electricity bill or bank statement)
- Application Eligibility:
-
Aged 18 or above and a Hong Kong Permanent Resident
-
Annual salary of HK$64,000 or above
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At least 6 months in current employment
-
- APR 1.50% is only applicable to Private Banking or Private Wealth customers of the Bank whose latest Credit Score of TransUnion is within AA grade, loan amount of HK$3,000,000 with 6 months repayment period, and holding a valid HK$ Savings Account / Checking Account in the Bank as repayment account
- The APR is calculated according to the standard of Hong Kong Association of Banks and rounded to two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate. Interest is charged daily and calculated on the basis of 365 days per year
- For Personal Installment Loan amount of HK$100,000 with 12 months repayment period, the monthly flat rate is 0.27% (APR 6.11%), and the total loan repayment amount is HK$103,248 (handling fee is waived). The above example is for reference only. The loan application and terms of the loan are subject to the Bank's approval. The actual APR may vary for individual customer and the final interest rate will be subject to credit condition of the customer
- China Construction Bank (Asia) Corporation Limited reserves the right of final decision on the interest rate and approval result
- To borrow or not to borrow? Borrow only if you can repay!
- The above example is for reference only. The actual APR, total interest and repayment amount may vary for individual customer and subject to the loan amount, repayment period and credit condition of the customer, please contact the staff of the Bank for details.
- Apply via online or mobile banking.
- Please read "Key Facts Statement" and "Terms and conditions" and then press "Agree and continue".
- Enter information.
- Authenticate your identity.
- Enter your loan details.
- Confirm loan application submitted.
- APR as low as 1.50%
- Flexible repayment period from 12 months to 60 months
- Loan amount up to HK$4,000,000 or 18x of your monthly salary (whichever is lower)
- Monthly income of HK$6,000 or above
- Hong Kong Identity Card (copy should be enlarged and presented in light color for optimal clarity); or passport/Document of Identity for VISA purpose/working VISA in the event of a non-Hong Kong Permanent resident. (Must be a Hong Kong resident aged 18 or above.)
- (If the permanent residential address is different from the current residential address, please provide additional permanent residential address proof).
- Bank statements/passbook showing your name, account number and the credit of monthly salary in the past two months; or
- Salary payroll advice dated within one month of application; or
- The latest Tax Demand Note
- Business Registration Certificate and the latest company Tax Demand Note (for sole proprietor or a partner in business)
1. Hong Kong Identity Card
2. Current Residential Address Proof issued within three months, e.g. electricity bills, rates demand notes or bank statements
3. Income Proof(You must be a full-time employee working in Hong Kong with a monthly salary of HK$6,000 or above):
4. BOCHK may request additional documents in the course of processing your application
- The quoted interest rate is calculated based on a loan amount of HK$3,000,000 with repayment tenor of 12 months and monthly flat rate of 0.0674%. The Annualized Percentage Rate (“APR”) is 1.50% and without handling fee, this APR does not include any cash rebate or eligible offers (if applicable) and is applicable to BOCHK Private Wealth Customers or selected customer groups.
- The above information is for reference only. For details, please visit Bank of China (Hong Kong) Limited (“BOCHK”) website
- For details of promotion offers and terms and conditions, please refer to BOCHK website
- Reminder: To borrow or not to borrow? Borrow only if you can repay!
1. Apply online or by phone
2. Fill in personal and employment information
3. Confirm the information
4. Wait for the approval result
5. Disburse the loan
- Monthly flat rate as low as 0.11% (Annualised percentage rate: 6.38%)
- The Loan Set Up Fee is 2% of the loan amount. The Loan Set Up Fee shall be calculated by reference to the principal amount of the loan at the rate specified by the Bank from time to time and shall be deducted from the loan principal amount upon drawdown of the loan and is non-refundable
- High loan amount up to HK$2,000,000 or 21x monthly salary (whichever is lower)
- Flexible repayment period of up to 84 months
- Reduce interest expense by up to 93%
- No income proof is required
1. HKID card
2. Latest 3 months’ income proof
3. Address proof (issue date within 6 months)
4. Practicing certificate issued by relevant association, if you are a professional (e.g. medical doctor, accountant, lawyer or engineer)
5. Banking statement / passbook showing your name and account number
- APR is calculated in accordance with the guideline issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable
- Terms and conditions apply. For details, please visit DBS website
- The above information is for reference only, the final approved interest rate, loan amount and instalment period are subject to the financial condition of customers.
- To borrow or not to borrow? Borrow only if you can repay!
- Relevant fee applies if a customer early pays off the Loan. For details, please refer to the Personal Instalment Loan Terms and Conditions.
Application method 1: please click the "APPLY NOW" button to apply via BEA website
- Fill in personal information and loan details
- Submit required documents including HKID card and income proof
Application method 2: please apply through BEA Mobile app, and insert promo code 「MHPIL0326」
- Login to BEA Mobile and click “Personal Loan” at Offers for You
- Fill in loan details
- Insert promotion code “MHPIL0326”
- Confirm personal information and job details
- Select repayment account
- Confirm application details
- Finish!
Application process and loan drawdown will be completed within 8 working days upon receipt of the complete requisite documents and information. If the requested loan amount is approved in full, The Bank of East Asia, Limited will not notify the applicant. The Loan amount will be credited to the applicant’s designated bank account directly.
- APR as low as 1%*
- Cash Rewards up to HK$20,000
- Loan amount up to HK$3,000,000
- Repayment tenor up to 60 months
- 0% handling fee
- 7-days Cooling-off Period
- Hong Kong Identity Card
- Income Proof
Additional documents may be required for approval of application
-
The Annualised Percentage Rate ("APR") as shown is calculated according to the standard method set out in the Code of Banking Practice and is rounded up or down to the nearest 2 decimal places, and includes the full arrangement fee waiver. The APR is for reference only. Please note that the APR stated in the loan confirmation letter will not include any cash rebate. Actual APRs and monthly repayments may differ, and the details stated in the loan confirmation letter shall prevail.
- The loan amount can be up to 16 times the applicant’s basic monthly salary (maximum HK$3,000,000). The final approved loan amount, based on a multiple of the applicant’s monthly salary, is subject to change in accordance with individual circumstances.
- If the requested loan amount is approved in full, The Bank of East Asia, Limited will not notify the applicant. The Loan amount will be credited to the applicant’s designated bank account directly.
- In case of dispute, the decision of MoneyHero and BEA shall be final and conclusive
- Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!
1. Apply through WeLab Bank app
2. Upload documents
3. Verify and get approval
4. Disburse loan
- APR as low as 0.65%*
- Loan amount up to HK$1,500,000 or up to 18x monthly salary (whichever is lower)
- Enjoy up to HK$29,287 rewards upon successful application and drawdown of specified loan amount
- Complete your application in as fast as 3 steps
- **After get your loan in 1 day at the earliest with HKD 0 handling fee
- Smart Management in 1 App - Complete loan applications, approvals, and management in 1 app, truly simple and convenient!
- Intelligent Financial Health Analysis - Free and unlimited access to credit score assessments.^
Employed - Regular Income:
Latest 1 month income proof, and
A recent address proof issued within the last 3 months
Freelancer or Employed - Variable income:
Latest 6 months income proof, and
A recent address proof issued within the last 3 months
Business Owner:
Latest 3 months personal bank statement, and
Latest 6 months company bank statements or salary tax demand note, and
A recent address proof issued within the last 3 months
- **The estimated period is calculated from the day the loan agreement is signed. The actual approval period and the actual time the loan is disbursed may vary upon information provided by the applicants.
-
The above APR is applicable for designated loan product with loan amount as HKD 283,000 with tenor of 24 months, the APR will be 0.65% (including a cash rebate of HKD 3,000) or 1.68% (without any cash rebate) and total repayment amount will be HKD 287,924.20. The APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and rounded to the nearest 2 decimal places. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The final APR offered is subject to the applicant’s application information, personal credit record, and the final approval process.
- We reserve the right to request customers to provide additional supporting documents for the loan application. The actual time for loan approval and the loan disbursement may vary depending on the information provided by the customer and are subject to the credit assessment result. Any loan application is subject assessment against normal lending criteria.
- ^Subject to terms and conditions. Customers must meet specified requirements, and actual circumstances may vary depending on individual situations. For details, please refer to the relevant terms and conditions on the WeLab Bank official website.
- To borrow or not to borrow? Borrow only if you can repay!
- Apply via Dah Sing Bank website / mobile app
- Upload documents
- Get approval result
- Confirm the loan drawdown
- APR as low as 1.68%#
- Loan amount up to HK$2,000,000 or 14 times your monthly income (whichever is lower)
- Repayment tenor up to 60 months
- HKID Card
- Latest 1 month's income proof
- Latest 3 months' proof of current residence
- The Promotion Period is valid from now till 30 June 2026 (both dates inclusive)
- #APR as low as 1.68% is only applicable to "Selected Customers". Assuming that the approved loan amount is HK$1,990,000, with a 12-month loan tenor and 0.1338% monthly flat rate, APR including the HK$13,888 cash rebate is 1.68%. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
- Subject to relevant terms and conditions. For details, please visit Dah Sing Bank website. In the event of discrepancies between the Chinese versions and English version of this page, the English version shall prevail.
- To borrow or not to borrow? Borrow only if you can repay! The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.
- 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
(1) HKID Card
(2) Mobile phone
- 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$5,000
- Effective Rate as low as 1.38%-36.00% in general
- Terms and Conditions apply
-
Warning: You have to repay your loans. Don't pay any intermediaries.
- Inquiries and complaints hotline: 6369 2338
- Money Lender‘s Licence No.: 0819/2025
- VCREDIT Finance Limited
- Prices SLASHED: APR as low as 1.30%*
- [MONEYHERO] promo code: Earn up to an HK$ 10,000 cash reward**
- Get a loan amount up to HK$ 1,000,000***
- Get your approval result in 90s^
- Get approved 24 x 7
- Get your loan via one app
-
* The Annualised Percentage Rate (“APR”) of 1.30% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.0584%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Association of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
-
** During the Instalment Loan application from today until 31 May 2026, you can input the promotion code to get 5 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Instalment Loan with the designated loan amount and tenor, you can get the following cash reward after the completion of the 7-day Cooling-off Period:
1. HKD 50,000 – HKD 149,999 and 12 months or above: HKD 500;
2. HKD 150,000 – HKD 299,999 and 24 months or above: HKD 1,000;
3. HKD 300,000 – HKD 499,999 and 36 months or above: HKD 2,500;
4. HKD 500,000 – HKD 999,999 and 48 months or above: HKD 5,000; or
5. HKD 1,000,000 and 48 months or above: HKD 10,000.
The coupon is valid 14 days after you enter the code during the loan application. Terms and conditions apply. -
*** The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
-
^ This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.
-
To borrow or not to borrow? Borrow only if you can repay!
HSBC Personal Instalment Loan
- APR as low as 1.88% (monthly flat rate as low as 0.10%) ; HK$0 handling fee
- 1-minute approval; no income proof is required if you have maintained an auto payroll account with HSBC for one month or above
- Borrow up to HK$3,000,000 or 23 times your monthly salary, whichever is lower
- Flexible repayment period from 6 months to 60 months
- Cash withdrawal from over 1,000 HSBC's ATMs and branches
-
Only applicable to selected customers who successfully apply for and draw down an approved loan of HK$1,500,000 or above during the promotional period. For a repayment period of 12 months, the monthly flat rate is 0.10%, the Annualised Percentage Rate (APR) is 2.25% (without any cash rebate and RewardCash) or 1.88% (taking into account HK$1,500 cash rebate and $1,400 RewardCash). The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. For your eligible rates, please call our hotline 2748 8080, log on to HSBC Online Banking or the HSBC HK App for details.
-
It comprises the total sum of up to HK$5,000 cash rebate and $5,000 RewardCash under the Successful Application Offer. Customers who successfully apply for and draw down an approved loan of HK$1,500,000 or above with a repayment period of 60 months during the promotional period will be eligible for a total sum of up to $10,000 rebate.
- Only applicable to customers who successfully apply for and draw down anapproved loan of HK$600,000 Oor above, with a loan tenor of 36 months or above during the promotional period via HSBC Online Banking or the HSBC HK App, will be eligible for one set of HSBC LimitedEdition Commemorative Mahjong Set.
- Processing time may vary in some cases depending on the actual circumstances of individual applications
- Minimum redraw is HK$3,000 and you must have had a Personal Instalment Loan account for at least 3 months. The Bank reserves the final right of allowing customers to redraw or not and has sole discretion to determine the redrawn amount and tenor
- Applications have to be submitted during the Bank’s service hours (Monday to Friday: 9 am - 8 pm, Saturday: 9 am - 5 pm, Sunday and public holidays: 12 noon - 12 midnight, or individual branch’s opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. The actual turnaround time starts when all the required information is successfully inputted into the Bank’s application evaluation system and the Bank may provide the instant application result and fund disbursement. Processing time may vary in some cases depending on the actual circumstances of individual applications.
- The actual repayment amount is subject to final approval
- Offer examples above are for reference only.
- Terms and conditions apply. For details, please refer to HSBC’s website. The monthly repayment amount, monthly flat rate, Annualised Percentage Rate (APR) and total interest amount shown are for indication only and are not meant to be final.
-
Terms and conditions apply. Please visit our website hsbc.com.hk/loan for promotional period, offer details and full terms and conditions regarding this promotion.
- Issued by The Hongkong and Shanghai Banking Corporation Limited
- To borrow or not to borrow? Borrow only if you can repay!
- Apply for Mox Credit and an account (remember to select Mox Credit)
- Fill in personal information and enter the invitation code "MHCASH10"
- Upload ID card to complete the account opening application
- After successfully opening an account, open the Mox App and select "Click to Borrow"
- Select "Instant Loan"
- Loan amount and repayment period are determined by the credit limit
- By reviewing the monthly payments, monthly fees, effective annual interest rate, and one-time fees, you can confirm your application.
Click image for detail
- Open A Mox Account successfully with the invitation code "MHCASH10", successfully apply for Mox Instant Loan via MoneyHero from now
- The APR in app is "What you see what you get ", which means we are very transparent of the rate we can offer, compared to other banks that need to wait few hours or days to get the quotation.
- Convenient to apply - in app, 24/7. Get your application result instantly, Get the cash as quick as one second to your Mox Account upon approval
- HKD 0 handling fee, receive the loan for the exact amount you apply for
- A flexible repayment period from 3 to 60 months
- Live chat available in the app if they want to know more
- Min to Max loan amount is 5k-2M
- No extra documents required apart from HKID. No extra documents required to top up instant loan. Complete the loan application in 5 mins!
- For an Instant Loan of HKD100,000 split into 60 monthly instalments, the Annualised Percentage Rate (APR) is 3.95%. With interest calculated on 365 days per year, the estimated daily interest amount is HKD5.6 (rounded to the nearest whole number).
- The fees for Instant Loan will be reviewed from time to time. General terms and conditions (in particular, Part B: Instant Loan of Schedule 3) and the Instant Loan Key Facts Statement apply. Details are available in the ‘Legal documents’ section of our website.
HKID
- The Annualised Percentage Rate ranges from 1.02% to 18.86%, with repayment period of 3 to 60 months.
- You need to have a Mox Credit account. Your maximum loan amount depends on your available credit limit.
- ¹For an Instant Loan with a principal amount of HKD1,000,000 with a repayment period of 6 months, the Annualised Percentage Rate (APR) is as low as 1.02% (which does not include any cash reward under the Instant Loan Cash Reward Promotion). Total repayment amount is HKD1,003,420. The APR is calculated using methods specified in relevant guidelines as set out in the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR for an Instant Loan is subject to Mox’s final decision on a case-by-case basis and the Mox Credit account status at the time Mox receives the Instant Loan application.
- ²Instant Loan Cash Reward Promotion Terms and Conditions apply. Instant Loan Cash Reward Promotion Terms and Conditions apply. For an Instant Loan with a principal amount of HKD1,000,000 with a repayment period of 60 months, the Annualised Percentage Rate (APR) is as low as 3.50% (when including the cash reward of HKD10,888, which will be credited to your Mox Account on or before 31 October 2026), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 3.95%. If you apply to top up your active Instant Loan(s), the Eligible Instant Loan Amount for the Instant Loan Cash Reward Promotion will be the Instant Loan principal amount that is on top of the outstanding principal amount of your active Instant Loan(s).
- if you have "instant approval" You need to provide HKID for Mox Account opening and apply for Mox Credit. The approval time for Instant Loan application depends on the status of your Mox Credit. In some circumstances, we may require you to provide supporting documents by a simple submission process when you apply for Mox Credit. The approval time for Mox Credit is subject to a customer’s individual circumstances.
- ^For an Instant Loan of HKD100,000 split into 60 monthly instalments, the Annualised Percentage Rate (APR) is 3.95%. With interest calculated on 365 days per year, the estimated daily interest amount is HKD5.6 (rounded to the nearest whole number).
- The fees for Instant Loan will be reviewed from time to time. General terms and conditions (in particular, Part B: Instant Loan of Schedule 3) and the Instant Loan Key Facts Statement apply. Details are available in the ‘Legal documents’ section of our website.
- The actual turnaround time may vary depending on the actual circumstances of individual applications.
- Terms and conditions apply, please refer to Mox website or Mox app for details.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply online or by phone
2. Verify your personal details and declare your financial liabilities
3. Credit check
4. Select a loan plan
5. Select disbursement details
6. Disburse the loan
- Annualised Percentage Rate as low as 4.03%; APR includes the handling fee 2%
- Handling fee refers to the loan setup fee. The Loan Set Up Fee is 2% of the loan amount. The Loan Set Up Fee shall be calculated by reference to the principal amount of the loan at the rate specified by the Bank from time to time and shall be deducted from the loan principal amount upon drawdown of the loan and is non-refundable.
- Loan amount up to HK$2,000,000 or 20x monthly salary (whichever is lower), flexible repayment period of up to 60 months
- No income proof is required
- Anytime to redraw your repaid principal
1. HKID card
2. Latest 3 months’ income proof
3. Address proof (issue date within 6 months)
4. Practicing certificate issued by relevant association, if you are a professional (e.g. medical doctor, accountant, lawyer or engineer)
5. Banking statement / passbook showing your name and account number
- Minimum salary requirement: fixed annual income of HK$80,000 or above.
- APR as low as 4.03%: The APR of 4.03% is calculated based on the loan amount of HK$100,000, a monthly flat rate of 0.01%, and instalment period of 12 months, including a Loan Set Up Fee of 2%.
- Rewards are subject to Terms and Conditions, please refer to DBS website for details.
- The Annualized Percentage Rate (“APR”) is calculated in accordance with the guideline issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable
- The monthly flat rate here is for reference only. The interest rate applicable to a customer is subject to his/her financial condition and is solely determined by DBS. Terms and conditions apply. For details, please visit DBS website
- Relevant fee applies if a customer early pays off the Loan. For details, please refer to the Personal Instalment Loan Terms and Conditions.
- To borrow or not to borrow? Borrow only if you can repay!
- Fill in the online application form
- Submit the required documents
- Receive the approval result
- Confirm offer and disburse loan
- Loan amount as high as HK$2,000,000 or 21 times of your monthly salary (whichever is lower)
- Loan tenor as long as 72 months with personalized interest rate
1. HKID card / passport / other identification document
2. Bank statement or passbook showing your latest 1-month income proof (including the copy of front cover page of your passbook which shows your name and account number) or any type of income proof.
Please provide the latest 2-month income proof if you are commission based income earner
3. If you are self-employed, please provide Business registration certificate and the latest profits tax demand note, and
the latest 3-month company account statements
4. Residential address proof showing your name issued within the latest 3 months (e.g. electricity bills or bank statements)
5. Proof of professional qualification (For professionals only)
6. If you are not holder of Hong Kong permanent identity card, please submit passport/ Exit/ Entry Permit for Travelling to and from Hong Kong and Macau/ identity card of place of origin and working visa issued by the Hong Kong SAR Government
7. Full copy of the front cover page of passbook / bank statement of the loan disbursement account
8. Autopay authorization form
9. Loan confirmation letter(s) or latest 1-month statement(s) (showing your name and account number) of credit
card(s) and loan(s) that you wish to transfer to $martPlus Debt Consolidation
- The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate. The respective APRs are rounded to the nearest two decimal places.
- Monthly flat rate as low as 0.22% (Annualized percentage rate is 6.93% with repayment tenor of 12 months and include 1% handling fee per annum).
- The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
- Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay! Please visit the website.
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
- Maximum loan amount of up to 24X monthly salary or HK$2,000,000 (whichever is lower);
- Max Loan Repayment Tenure: 84 months; 0% handling fee
1. Hong Kong Permanent Identity Card
2. Latest residential address proof showing your name
3. For regular income earners, please enclose latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing name, account number and salary entries;
For irregular income earners, please enclose latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing name, account number and salary entries;
For self-employed applicants, please enclose a Business Registration Certificate AND latest Profits Tax Demand Note
- The Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable)
- Standard Chartered Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.
- Eligibility: With fixed annual income of HK$96,000 or above; and Hong Kong permanent residents aged 20 or above
- The monthly flat rate shown above was rounded to 2 decimal places and for reference only.
- To borrow or not to borrow? Borrow only if you can repay!
1. Fill out the form and submit your documents
2. Dedicated follow-up and approval updates
3. Get your loan in no time!
- Monthly flat rate as low as 0.22%, APR as low as 4.95%
- Repayment period up to 84 months
- Loan amount up to HK$2,000,000 or 21 times the monthly salary (whichever is lower)
- Handling fee wavier
- Hong Kong Identity Card
- Income proof
- Latest month's payroll slip
- Latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number)
- Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
- Latest residential address proof (for example: electricity bill or bank statement)
- Application Eligibility:
-
Aged 18 or above and a Hong Kong Permanent Resident
-
Annual salary of HK$64,000 or above
-
At least 6 months in current employment
-
- The Annualized Percentage Rate (“APR”) 4.95% is calculated based on 12 months repayment period and loan amount of HK$2,000,000 with monthly flat rate of 0.22%
-
To borrow or not to borrow? Borrow only if you can repay!
-
The above example is for reference only. The actual APR, total interest and repayment amount may vary for individual customer and subject to the loan amount, repayment period and credit condition of the customer, please contact the staff of the Bank for details.
1. Apply Online
2. Application and Documents Submission: The relationship officer will contact you to complete the application form and submit the required documents.
3. Application Approval: Generally, the application result will be notified within 1 to 2 working days after submitting the documents. Instant approval can also be offered upon request, with the process completed as soon as the same day.
4. Loan Drawdown: Upon completion of loan confirmation process, the fund will be disbursed to your designated bank account via bank transfer or cashier order.
- APR as low as 3.25%
- Loan amount up to HK$2,000,000 or 20X of your monthly salary (whichever is lower)
- Repayment tenor up to 60 months
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
- APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis.
- If the loan amount is $1,500,000, the monthly flat rate for 12 months is 0.060%, if the loan is approved finally by the Bank, the APR for 12 months is 3.25%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,510,800.
- Example is for reference only, APR may differ with different loan amounts and tenors.
- For enquiries, please refer to OCBC Bank (Hong Kong) Limited - Balance Transfer Personal Loan website.
- To borrow or not to borrow? Borrow only if you can repay!
1. Fill in the application form and submit it together with the required documents.
2. Wait for the loan approval result
3. Disburse the loan
- Repayment term up to 72 months, HK$0 handling fee
- Loan amount of Citi Card Debt Consolidation Loans is up to 21 times of your monthly salary or HK$1,200,000, whichever is lower
- No hidden terms and conditions
1. HK Identity Card
2. Income proof,
e.g. latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number)
3. Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
4. Latest residential address proof (e.g. electricity bill or bank statement)
5. Any other documents or certificates deemed appropriate.
- The annualized percentage rate (“APR”) ranges from 5.40% to 35.78%, with repayment period of 6 to 72 months.
- The Annualized Percentage Rate ("APR") of as low as 5.40% is calculated based on the monthly flat rate 0.24% with loan amount of HK$1,200,000 and repayment tenor of 12 months.
- The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HKD1,200,000 with 12 months repayment period, the monthly flat rate is 0.24% (APR 5.40%), and the total loan repayment amount is HK$1,234,560 (including full handling fee waiver). The above example is for reference only.
Remarks:
- Loan amount of Citi Card Debt Consolidation Loans is up to 21 times of your monthly salary or HK$1,200,000, whichever is lower.
- Repayment period of Citi Card Debt Consolidation Loans is of 6 to 72 months.
To borrow or not to borrow? Borrow only if you can repay!
- Apply via online or mobile banking.
- Please read "Key Facts Statement" and "Terms and conditions" and then press "Agree and continue".
- Enter information.
- Authenticate your identity.
- Enter your loan details.
- Confirm loan application submitted.
- APR as low as 5.93%; 1% handling fee
- Repayment period of up to 72 months
- Loan amount up to HK$2,000,000 or 21 times of your monthly salary (whichever is lower)
- Monthly fixed income of HK$6,000 or above
- Hong Kong Identity Card (copy should be enlarged and presented in light color for optimal clarity); or passport/Document of Identity for VISA purpose/working VISA in the event of a non-Hong Kong Permanent resident. (Must be a Hong Kong resident aged 18 or above.)
- (If the permanent residential address is different from the current residential address, please provide additional permanent residential address proof).
- Bank statements/passbook showing your name, account number and the credit of monthly salary in the past two months; or
- Salary payroll advice dated within one month of application; or
- The latest Tax Demand Note
- Business Registration Certificate and the latest company Tax Demand Note (for sole proprietor or a partner in business)
1. Hong Kong Identity Card
2. Current Residential Address Proof issued within three months, e.g. electricity bills, rates demand notes or bank statements
3. Income Proof(You must be a full-time employee working in Hong Kong with a monthly salary of HK$6,000 or above):
4. BOCHK may request additional documents in the course of processing your application
- The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and a monthly flat rate of 0.1770%. The APR is 5.93%, including an annual handling fee of 1%. This APR does not include any cash rebate or other eligible offers (if applicable).
- The above information is for reference only. For details, please visit Bank of China (Hong Kong) Limited (“BOCHK”) website
- For details of promotion offers and terms and conditions, please refer to BOCHK website
- The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
- Reminder: To borrow or not to borrow? Borrow only if you can repay!
- 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
(1) HKID Card
(2) Mobile phone
- 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.: 0819/2025
- VCREDIT Finance Limited
- 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
(1) HKID Card
(2) Mobile phone
- 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.: 0819/2025
- VCREDIT Finance Limited
- "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
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
- 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
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
- 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
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
- 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
- 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
- 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
1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- Enjoy Cash Reward up to HK$33,800 upon successfully draw down
- Laon amount of up to 25x monthly salary
- Save up to 90% interest; repay credit card debts faster and boost your credit score instantly.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
- HKID Copy
- Disbursement account proof
- Residential address proof
- Commission Based Salary: Minimum recent 3 months of Income Proof
- Real Estate Industry: Minimum recent 6 months of Income Proof
- 90% interest savings is calculated using annual percentage rate 36% with minimum monthly payment 1%.
- Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
-
WELEND LIMITED reserves its absolute right to any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don't pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0900/2025
- No document required, just verify your identity*. Apply and get approved instantly!
- Personal loan with no document required - just your ATM card and ID card for instant approval^
- Receive cash as soon as the next day, approved and transferred immediately*
- Funds transferred via "FPS", cash in your account immediately^!
- WeScore credit new indicator - WeLend's 400 million data points help you maintain a healthy credit profile!
- ^Applicants must meet specific requirements, actual conditions may vary depending on individual circumstances.
- *Only applicable to customers with a maximum loan amount of HK$80,000 and who meet specific credit approval requirements.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service / Complaint Hotline: 3590 6396
- Money Lender's License: 0900/2025
- The loan will be transferred via Faster Payment System (FPS) after the loan is approved and the loan agreement is signed. Actual transfer time is subject to each individual bank's transfer service hours.
- A.I. chatbot provides immediate solutions 24/7.
1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- Enjoy Cash Reward up to HK$33,800 upon successfully draw down
- Civil servants / professionals can enjoy interest rates as low as 1% APR.
- Loan amount of HK$500,000 or above can enjoy low interest rate as tax loans.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
- HKID Copy
- Disbursement account proof
- Residential address proof
- Commission Based Salary: Minimum recent 3 months of Income Proof
- Real Estate Industry: Minimum recent 6 months of Income Proof
- The loan will be transferred via Faster Payment System (FPS) after the loan is approved and the loan agreement is signed. Actual transfer time is subject to each individual bank's transfer service hours.
- Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0900/2025
- Enjoy Cash Reward up to HK$33,800 upon successfully draw down
- Loan amount up to HK$1.5 million, with a repayment period of up to 84 months.
- 24 hours online application service, with instant approval and instant cash delivery.
- Deed waiver; legal fees waived too
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
- No matter if your property is a private estate or apartment, or if it is self-occupied or leased, as long as you are the owner of the property, you are eligible to apply!
- Property deeds are not required. The loan application and contract will not be registered on Land Registry registration, avoiding complicated legal procedures.
- For customers who fulfil specific credit requirements.
Property deeds and Land Registry registration are not required, avoiding extra expenses
The above interest rates and repayment information are for reference only.
- The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0900/2025
1. Apply through WeLab Bank app
2. Upload documents
3. Verify and get approval
4. Disburse loan
- APR as low as 4.11%*
- Loan amount up to HK$1,500,000 or up to 25x monthly salary (whichever is lower)
- Enjoy up to HK$31,688 rewards upon successful application and drawdown of specified loan amount
- The whole process is done by mobile phone, you can borrow without leaving home or showing up
- Intelligent calculation help you clear your card debt in one go, saving up to 97% on interest^ and instantly reducing payment pressure. Clear it all from a new perspective!
- Tailor a personalized repayment plan for you to centralize card debts and pay off the debts in one go
- Loan tenor options available up to 72 months
Employed - Regular Income:
Latest 1 month income proof, and
A recent address proof issued within the last 3 months
Freelancer or Employed - Variable income:
Latest 6 months income proof, and
A recent address proof issued within the last 3 months
Business Owner:
Latest 3 months personal bank statement, and
Latest 6 months company bank statements or salary tax demand note, and
A recent address proof issued within the last 3 months
- *The APR is only applicable to designated loan amount and tenor and for reference only. The final approved interest rate will be subjected to the bank’s approval. Assume the loan amount as HKD1,000,000 with tenor of 24 months, the APR will be 4.11% (excluding cash rebate). The APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and rounded to the nearest 2 decimal places and may vary for individual customers. Customers should refer to their loan confirmation letters for the relevant information and such information shall prevail.
- ^The comparison of interest is assuming HKD 200,000 outstanding balance of credit card with below examples. Example of credit card is calculated based on annual interest of 31% charged by general credit card on a monthly repayment of 1% of the credit card outstanding balance or HKD 200 (whichever is higher) over a 407 months repayment period and the Annualized Percentage Rate ("APR") is 36.01%. Example of WeLab Bank Card Debt Consolidation Loan is calculated based on a monthly flat rate of 0.18% with 33 months loan repayment period for the loan, the APR is 4.11% (rounded up to two decimal places). The above examples are for reference only. The APR, loan amount and tenor subject to credit approval.
- Same day disbursement at the earliest: The estimated period is calculated from the day the loan agreement is signed. The actual approval period and the actual time the loan is disbursed may vary upon information provided by the applicants.
- The final approved loan amount, interest rate and loan tenor are subject to the credit approval.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply through WeLab Bank app
2. Upload documents
3. Verify and get approval
4. Disburse loan
- Enjoy up to HK$29,287 rewards upon successful application and drawdown of specified loan amount
- Loan amount up to HK$1,500,000 or up to 18x monthly salary (whichever is lower)
- Civil Servants and Professionals can enjoy interest rates as low as 0.75%* APR, including but not limited to civil servants, doctors, nurses, dentists, pharmacists, lawyers, accountants, engineers, actuaries, teachers, social workers, professionals with professional licenses or certifications, and any staff employed by public sector, Airport Authority and Hospital Authority. WeLab Bank Limited reserves the final right of interpretation on the above definition.
- **After get your loan in 1 day at the earliest with HKD 0 handling fee
- Smart Management in 1 App - Complete loan applications, approvals, and management in 1 app, truly simple and convenient!
- Intelligent Financial Health Analysis - Free and unlimited access to credit score assessments.^
Employed - Regular Income:
Latest 1 month income proof, and
A recent address proof issued within the last 3 months
Freelancer or Employed - Variable income:
Latest 6 months income proof, and
A recent address proof issued within the last 3 months
Business Owner:
Latest 3 months personal bank statement, and
Latest 6 months company bank statements or salary tax demand note, and
A recent address proof issued within the last 3 months
- **The estimated period is calculated from the day the loan agreement is signed. The actual approval period and the actual time the loan is disbursed may vary upon information provided by the applicants.
-
The above APR is applicable for designated loan product with loan amount as HKD 283,000 with tenor of 24 months, the APR will be 0.65% (including a cash rebate of HKD 3,000) or 1.68% (without any cash rebate) and total repayment amount will be HKD 287,924.20. The APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and rounded to the nearest 2 decimal places. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The final APR offered is subject to the applicant’s application information, personal credit record, and the final approval process.
- We reserve the right to request customers to provide additional supporting documents for the loan application. The actual time for loan approval and the loan disbursement may vary depending on the information provided by the customer and are subject to the credit assessment result. Any loan application is subject assessment against normal lending criteria.
- ^Subject to terms and conditions. Customers must meet specified requirements, and actual circumstances may vary depending on individual situations. For details, please refer to the relevant terms and conditions on the WeLab Bank official website.
- To borrow or not to borrow? Borrow only if you can repay!
- Landlords’ exclusive: Unlock rental income in advance!
- The handling fee is calculated based on a specified percentage of the loan principal, with a 5% handling fee for the 12-month tenor (APR of 10.01%) and an 8% handling fee for the 24- month tenor (4% annual handling fee, APR of 8.45%). The handling fee will be deducted from the loan disbursement amount.
- [MONEYHERO] promo code: Earn an HK$ 100 Loan Cash Coupon*
- Get approved 24 x 7
- Get your loan via one app
- Skip tenant negotiations and access up to 2 years of rental income in advance!
- The handling fee is calculated based on a specified percentage of the loan principal, with a 5% handling fee for the 12-month tenor (APR of 10.01%) and an 8% handling fee for the 24- month tenor (4% annual handling fee, APR of 8.45%). The handling fee will be deducted from the loan disbursement amount. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Association of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
- 0 interest rate, 0 early settlement fee and all costs are shown before you apply.
- From today until 31 May 2026, users can input the promotion code [MONEYHERO] to get 1 Loan Cash Coupon applicable to Lease Cashout with a loan amount of HKD 5,000 or above & a tenor of 12 months or above, the user can get an HKD 100 cash reward respectively after the completion of the 7-day Cooling-off Period. The coupons are valid for 14 days after the user enters the code during the loan application. Terms and conditions apply.
- To borrow or not to borrow? Borrow only if you can repay!
- Apply using the coupon from entering the promo code to receive up to HKD 20,888 cash reward
- Clear all your credit card bills, loans, and card instalments at once
- Get approved 24 x 7
- Enjoy a 7-day Cooling-off Period
- During the promotion period, users can input the promotion code to get 4 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Debt Changer with a loan amount of HKD 60,000 or above & a tenor of 12 months or above, or HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999, and HKD 800,000 – HKD 1,500,000 & a tenor of 24 months or above and with the coupon, the user can get an HKD 500, HKD 1,888, HKD 6,888, and HKD 20,888 cash reward respectively after the completion of the 7-day Cooling-off Period. The coupons are valid for 14 days after the user enters the code during the loan application.
- The terms of usage, including validity period, applicable products, loan amount, tenor, amount of cash reward and other terms, are listed on each cash coupon. For the details of the cash coupon and the relevant terms and conditions, users can refer to the ZA Bank App > “Explore” > “My Coupon” within the validity period.
- To earn the cash reward listed on the cash coupon, users must use the cash coupon to apply and draw down designated Debt Changer within its validity period according to the terms listed on the coupon, and must not early settle the loan within the 7-day Cooling-off Period.
- Only one cash coupon can be used in a loan application. Each cash coupon can be used once only. The coupon will be written off after successful drawdown of the loan.
- * The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
-
Apply online and submit the required documents.
-
Wait for the approval results.
-
Confirm and withdraw the loan.
- Member of Dah Sing Financial Group with strong and stable funding, helping to reduce borrowing costs and offer attractive customer benefits.
- Compliant with relevant Banking industry’s regulatory requirements and codes, rest assured with your application Low Interest as low as 1.12%* APR
- Loan amount up to 21x monthly income, repayment period up to 72 months
- Highly flexible loan plan with self-selected repayment period and first repayment date, so monthly instalments better match personal cash flow.
- Supports fast online applications as well as in branch professional service, allowing easy borrowing whether at home or in person
-
HKID Card
-
Proof of address
-
Proof of income
-
Annualised Percentage Rate (APR) as low as 1.12%*, with daily interest as low as HK$1.68.
-
*Assuming a loan amount of HK$100,000 with a repayment period of 12 months (30 days per month), a monthly flat rate of 0.05%, and a waiver of handling fees, the APR would be 1.12%. The total interest would be HK$604.60, daily interest HK$1.68, and the total repayment amount HK$100,604.60. The above examples and APRs are rounded to two decimal places and are for reference only. The APR is calculated according to the guidelines of the Code of Banking Practice. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. The final APR applicable to an applicant may vary depending on the application details, personal credit records, and the final result of the comprehensive credit assessment. OK Finance reserves the right of final decision on loan approval.
-
To borrow or not to borrow? Borrow only if you can repay!
-
The services/products mentioned herein are not targeted at persons located in the European Union.
-
Apply online and submit the required documents.
-
Wait for the approval results.
-
Confirm and withdraw the loan.
- Member of Dah Sing Financial Group with strong and stable funding, compliant with relevant Banking industry’s regulatory requirements and codes to secure your application.
- Analyze your financial condition to consolidate all your outstanding debts. Apply now to reduce monthly repayment pressure with interest saving.
- Tailor-made debt consolidation plan to shorten repayment period.
- Assure your application with low interest as low as 1.12%* APR.
- Loan amount up to 21x monthly income, repayment period up to 72 months.
- Highly flexible loan plan with self-selected repayment period and first repayment date, so monthly instalments better match personal cash flow.
- Supports fast online applications as well as in branch professional service, allowing easy borrowing whether at home or in person.
-
HKID Card
-
Proof of address
-
Proof of income
-
Annualised Percentage Rate (APR) as low as 1.12%*, with daily interest as low as HK$1.68.
-
*Assuming a loan amount of HK$100,000 with a repayment period of 12 months (30 days per month), a monthly flat rate of 0.05%, and a waiver of handling fees, the APR would be 1.12%. The total interest would be HK$604.60, daily interest HK$1.68, and the total repayment amount HK$100,604.60. The above examples and APRs are rounded to two decimal places and are for reference only. The APR is calculated according to the guidelines of the Code of Banking Practice. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. The final APR applicable to an applicant may vary depending on the application details, personal credit records, and the final result of the comprehensive credit assessment. OK Finance reserves the right of final decision on loan approval.
-
To borrow or not to borrow? Borrow only if you can repay!
-
The services/products mentioned herein are not targeted at persons located in the European Union.
OK Finance Express Property Owner Loan | Greater Loan Size | Simple Procedure with No Property Deeds Required
-
Apply online and submit the required documents.
-
Wait for the approval results.
-
Confirm and withdraw the loan.
- Member of Dah Sing Financial Group with strong and stable funding, compliant with relevant Banking industry’s regulatory requirements and codes to secure your application.
- Loan amount up HK$1,500,000 or 85% of the property valuation^, repayment period up to 96 months.
- Solve your loan needs with provision of greater loan amount and speedy approval.
- Simple and Fast Application - No property deeds or legal fees required with no restrictions on property types.
- Special discounted interest rate reducing your repayment expense.
- Highly flexible loan plan with self-selected repayment period and first repayment date, so monthly instalments better match personal cash flow.
- Supports fast online applications as well as in branch professional service, allowing easy borrowing whether at home or in person.
-
HKID Card
-
Proof of address
-
Proof of income
- The Private Residential Loan is an unsecured personal loan.
- The applicable annual percentage rate (APR) ranges from 15.00% to a maximum of 48.00%, with repayment terms from 3 to 96 months. Assuming a loan amount of HK$100,000 with a repayment term of 12 months, a monthly flat rate of 0.65% is applied. After waiving the handling fee, the effective APR would be 15.00%, resulting in a total interest amount of HK$7,777.24 and a total repayment amount of HK$107,777.24. The effective APR is calculated according to regulatory guidelines set forth by banking operations. It represents a reference rate, expressed on an annualized basis, that includes the base rate of the product along with other fees and charges.
- The example provided and the effective APR are rounded to two decimal places and are for reference only. OK Finance reserves the right to approve applications based on individual customer credit conditions and other relevant factors, and retains final decision-making authority regarding loan approvals and the determination of interest rates applicable to customers.
-
^ Loan amounts of up to HK$1,500,000 or 85% of the property valuation (whichever is lower) must meet the specified property types and the applicant's specified credit requirements. Actual circumstances may vary on individual cases.
-
To borrow or not to borrow? Borrow only if you can repay!
-
The services/products mentioned herein are not targeted at persons located in the European Union.
1. Fill in the application form and submit it together with the required documents.
2. Wait for the loan approval result
3. Disburse the loan
- Same-day approval and same-day loan disbursement
- The loan amount is up to 12 times of the monthly salary or HK$3,500,000, whichever is lower
- Repayment term up to 60 months, HK$0 handling fee
- No hidden terms and conditions
- Hong Kong Identity Card
- Income proof (for example: latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number))
- Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
- Latest residential address proof (for example: electricity bill or bank statement)
- Any other documents or certificates deemed appropriate.
- The annualized percentage rate (“APR”) ranges from 1.78% to 35.78%, with repayment period of 6 to 60 months.
- The Annualized Percentage Rate ("APR") of as low as 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 months.
- The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HKD1,500,000 with 12 months repayment period, the monthly flat rate is 0.08% (APR 1.78%, excluding any cash rebate) and the total loan repayment amount is HKD1,514,400 (including full handling fee waiver). The above example is for reference only
Remarks:
- The Annualized Percentage Rate ("APR") of as low as 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 months, and is applicable to Citigold Private Client customers with Citi ULTIMA. APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer's profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
- Loan amount of Citi Speedy Cash is up to 12x times of your monthly salary or HK$3,500,000, whichever is lower.
- Repayment period of Citi Speedy Cash is of 6 to 60 months.
- Application hotline service hours: Monday to Friday 9:30am – 6:30pm (not applicable to Hong Kong public holiday).
- “Instant Disbursement Upon Loan Approval” is only applicable for disbursement to participating banks of Faster Payment System (FPS), and is subject to Citi’s loan approval and availability of FPS, while the crediting to the recipient’s account is subject to the recipient bank’s handling. Processing time may vary in some cases depending on the actual circumstances of individual applications.
To borrow or not to borrow? Borrow only if you can repay!
Application method 1: please click the "APPLY NOW" button to apply via BEA website
- Fill in personal information and loan details
- Submit required documents including HKID card and income proof
Application method 2: please apply through BEA Mobile app, and insert promo code 「MHCL0326」
- Login to BEA Mobile and click “Car Loan” at Offers for You
- Fill in loan details
- Insert promotion code “MHCL0326”
- Confirm personal information and job details
- Select repayment account
- Confirm application details
- Finish!
Application process and loan drawdown will be completed within 8 working days upon receipt of the complete requisite documents and information. If the requested loan amount is approved in full, The Bank of East Asia, Limited will not notify the applicant. The Loan amount will be credited to the applicant’s designated bank account directly.
- APR as low as 1%*
- Cash Rewards up to HK$20,000
- Loan amount up to 16X of monthly salary (no limit on car price)
- Repayment tenor up to 60 months
- 0% handling fee
- 7-days Cooling-off Period
- Hong Kong Identity Card
- Income Proof
Additional documents may be required for approval of application
-
# The Annualised Percentage Rate (“APR”) as low as 1.00% is for reference only (It is calculated as for a loan amount of HK$4,000,000, with a monthly flat rate of 0.0450% and a repayment period of 12 months). The preferential interest rate is only applicable to individual customers who fulfil the approval requirement on credit ratings, Salaries Tax or Personal Assessment for 2024/2025 is HK$1,000,000 or above. If customer’s loan application cannot fulfill our approval requirements such as credit ratings or other factors and requirements, BEA may evaluate the application on a case-by-case basis and the interest rate may be adjusted. The promotion of preferential interest rate is subject to a limited quota. The provision of the promotion is on a first come, first served basis (as determined by BEA in absolute discretion). BEA will not update customer on the quota usage of the promotion or its continued availability.
- The loan amount can be up to 16 times the applicant’s basic monthly salary (maximum HK$4,000,000). The final approved loan amount, based on a multiple of the applicant’s monthly salary, is subject to change in accordance with individual circumstances.
- If the requested loan amount is approved in full, The Bank of East Asia, Limited will not notify the applicant. The Loan amount will be credited to the applicant’s designated bank account directly.
- In case of dispute, the decision of MoneyHero and BEA shall be final and conclusive
- Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!
- No income proof or Vehicle Registration Book is required
- Online application with 24/7 instant approval and loan disbursement vis FPS
- 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
(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)
- 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
- Apply via Dah Sing Bank website / mobile app
- Upload documents
- Get approval result
- Confirm and loan drawdown
- Monthly flat rate as low as 0.11%#
- Loan approval and drawdown as quick as 24 hours
- Loan amount up to HK$2,000,000 or 23 times your monthly income (whichever is lower)
- Interest savings up to 86%
- Cash out up to 8 times monthly income
- HKID Card
- Latest 1 month's income proof
- Latest 3 months' proof of current residence
- Proof of employment
- The Promotion period is valid from now till 30 June 2026 (both dates inclusive)
- # The interest rate offer of as low as 0.11% monthly flat rate is only applicable to "Selected Customers". Assuming that the loan amount is HK$1,000,000, with a 72-month tenor and 0.11% monthly flat rate, APR including the loan handling fee of 1.1% p.a. is 4.83%. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
- Subject to relevant terms and conditions. For details, please visit Dah Sing Bank website. In the event any conflict or discrepancy between the Chinese versions and English version of this page, the English version shall prevail.
- To borrow or not to borrow? Borrow only if you can repay! The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.
所有示例資訊只作參考，最終批核按個別申請人之實際情況而定
所有示例資訊只作參考，最終批核按個別申請人之實際情況而定
MoneyHero’s Guide to Choosing a Personal Loan
MoneyHero’s unsecured personal loans can help you cover large expenses, pay for urgent car or home repairs, or even consolidate your debt. The funds you borrow through a personal loan can be used for almost any type of expense.
Since each lender has its own features and special offers, MoneyHero’s Personal Loan Guide makes it easy to compare different loan products. With our help, you can quickly find a loan that fits your budget and financial goals.
What Is a Personal Loan?
A personal loan (P Loan) is an unsecured loan, meaning no collateral is required. Applicants only need to provide basic documents such as proof of identity, address, employment, and income. Loan approval is primarily based on the applicant’s credit rating and repayment ability.
Because no collateral is involved, the approved loan amount is usually smaller and the interest rate tends to be higher. However, the simple and fast application process makes personal loans highly popular. They are commonly used for credit card balance transfers, unexpected expenses, daily cash flow needs, or even tax loans.
The loan amount varies by bank and is generally linked to monthly salary. In most cases, borrowers can access 12 to 30 times their monthly income, with loan amounts typically ranging from HKD 1 million to HKD 3 million. Repayment terms usually range from 6 to 84 months.
As a type of personal loan, personal instalment loans charge interest on the full loan amount for the entire loan period and are repaid in fixed monthly instalments. Applicants agree with the bank on the interest rate, repayment term, and monthly repayment amount.
The loan can be used for various purposes, such as home renovation, children’s education expenses, or debt repayment. To avoid penalty charges, it is important to make repayments on time. Once the loan term ends, borrowers must submit a new application if they wish to borrow again.
Learn more: 7 Common Mistakes to Avoid When Applying for a Personal Loan
Types of Personal Loans
There are many different kinds of loans in Hong Kong, mainly including personal loans, tax loans, balance transfer, revolving loans, SME loans, homeowner loans, finance company loans, car loans, bank loans, small loans, as well as the more recent rise of virtual bank loans. Borrowers can choose the loan type that suits them according to their own needs.
For example, full-time employees with stable income may choose lower-interest tax loans during tax season; SME owners may apply for personal overdrafts or SME loans to deal with cyclical cash flow needs; personal instalment loans have relatively greater flexibility in loan amount and repayment period, and are especially suitable for people without a specific loan purpose; people with poor credit ratings but who need cash flow may choose finance company loans, which usually have relatively lower application thresholds.
In short, there are many kinds of loans, and borrowers should choose the loan type that best suits their own actual situation and purpose. The MoneyHero website provides comparisons and choices of these loans, including personal loans, low-interest loans, and car loans.
Learn more: Tax Loans
What lending institutions are there in Hong Kong?
Major banks in Hong Kong, such as Standard Chartered Bank, Bank of East Asia, China Construction Bank, Citibank, HSBC, Hang Seng Bank, and DBS Bank, all provide personal instalment loan services. In addition, finance companies in Hong Kong, including UA Finance, Welend, and Cashing Pro, also offer loan services.
To attract customers, these banks and finance companies often launch preferential interest rates and gifts. In order to help consumers make informed choices, the MoneyHero online comparison platform provides different loan products available on the market and makes comprehensive comparisons, including annual interest rate, handling fees, annual percentage rate (APR), total repayment amount, and promotional offers, so that applicants can easily find a loan plan that suits them.
How do lending institutions decide my borrowable amount?
When lending institutions decide your borrowable amount, they calculate it based on a series of factors. First, a simple estimation method is: “monthly income × multiplier – total current unsecured debt.” Here, monthly income is usually calculated as 1/12 of annual salary. The maximum loan amount for personal loans varies by bank, and is usually tied to monthly salary, up to 12 to 21 times of monthly income. Some finance companies can even provide up to 30 times monthly income, with total loan amounts ranging from HKD 1 million to 3 million. As for total unsecured debt, it includes your credit loans from financial institutions, credit card instalments and revolving balances, cash card cash advances, etc. It is recommended that before estimation, you first confirm your personal income and debt situation clearly, so that you can quickly know the borrowable amount.
Bank loan interest is generally lower than that of finance companies, which is related to their funding sources and risk management. Banks have large amounts of public deposits as a funding source, which makes their funding costs relatively low, thereby giving banks room to reduce loan interest rates as a strategy to attract loan applications. In addition, banks lower bad debt risks based on your credit rating, so they are able to approve loans with low interest rates.
The key to whether lending institutions approve a loan lies in whether you have the ability to repay on time. Therefore, lending institutions will carefully review your financial situation, especially monthly income and expenses. If there is no income proof, loan applications will indeed face challenges, but you can still choose small loans or secured loans that do not require income proof. These loans can be assessed based on credit score or collateral assets, but the interest rates are usually higher, and repayment conditions are relatively stricter. Before applying, you should make sure that you can bear the repayment pressure.
Learn more: Annual Percentage Rate (APR)
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Personal Loan Calculator
Have you ever wondered how much interest you need to pay each month during the personal loan process? Or how much of your monthly repayment is principal versus interest? These calculations can be tedious and prone to error, even if you're familiar with the loan terms and mechanisms. A basic calculator or budget spreadsheet often can't ensure accurate results.
That's why MoneyHero has launched its Personal Loan Calculator. Simply enter the loan amount, interest rate, and repayment period, and it will quickly and accurately calculate your monthly repayment and interest. This tool simplifies the loan calculation process and gives you better control over your financial planning, making loan repayment clearer and more straightforward.
Things to Note Before Applying for a Personal Loan
Before applying for a personal loan, borrowers should compare loan products on the MoneyHero website based on factors such as financial planning, required funds, repayment budget, repayment period, annual percentage rate (APR), credit history, and approval time to select the most suitable loan. By applying for a specific product through MoneyHero, you can enjoy cashback offers, which effectively reduce repayment amounts. It’s important to note that different banks and financial companies have varying loan requirements. Typically, applicants must be Hong Kong residents aged 18 or above and provide proof of income and address. Before applying, make sure all required information is complete to avoid delays in the application process.
Learn more: Balance Transfer
How to Choose the Right Personal Loan for Yourself?
When choosing a personal loan, you need to consider your individual needs. Revolving loans offer lower limits but greater flexibility. Although the interest rate is slightly higher, they do not impose early repayment penalties, making them suitable for short-term or frequent small borrowings. In contrast, installment loans provide higher limits but come with fixed repayments, making them ideal for borrowers with clear financial plans and repayment goals.
As a financial product comparison platform in Hong Kong, MoneyHero partners with major banks, financial companies, and insurance providers to deliver impartial product overviews, helping users save both time and money. Our comparison tools cover credit cards, personal loans, mortgages, medical insurance, travel insurance, Hong Kong stock accounts, U.S. stock accounts, payroll accounts, and time deposits. We ensure information is accurate and up-to-date so you can select the best loan product.
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How to apply for a personal instalment loan?
Want to apply for a personal instalment loan? MoneyHero is your convenient choice. Once you’ve found a suitable loan plan, simply click “Apply Now” to borrow with ease.
Before applying, please note that loan requirements vary across banks and financial institutions. Generally, applicants must be Hong Kong residents aged 18 or above and provide proof of income and address.
While some lenders advertise “instant approval,” this usually refers only to provisional approval. Actual approval takes at least 60 minutes. For certain banks, the approval process can be longer, around 2 to 5 working days.
Therefore, when applying for a personal instalment loan, make sure your documents are complete and have realistic expectations regarding approval time.
》Learn more: Which Bank is Best for Loans?
How to repay your personal loan?
In the process of applying for a personal loan, and even before the loan is disbursed, you should plan your repayment schedule to ensure you can repay the loan on time within the agreed-upon term. Missing even a single payment could damage your credit score and may incur late fees. If you encounter financial difficulties during the repayment process, it is important to proactively contact the lending institution to see if they can offer alternative repayment options. Some institutions might even allow you to defer payments for a specific period.
Advantages and Disadvantages of Personal Loans
Advantages of Personal Loans
✓ Few restrictions on how the loan can be used.
✓ Spread out large expenses.
✓ Consolidate high-interest debt.
✓ Predictable monthly payments.
✓ Quick access to funds.
✓ No collateral required.
✓ Annual Percentage Rate (APR) can be lower than credit cards.
✓ Making on-time payments can help improve your credit score.
Disadvantages of Personal Loans
× A good credit rating and stable income are required to secure the best rates.
× Increases overall debt burden.
× Lump-sum repayment; no revolving credit.
× Banks/finance companies may charge handling fees.
× Interest rates may be higher than other borrowing options.
× Monthly repayments may be relatively high.
× Late payments can damage your credit score.
Personal Loan FAQ
A personal loan is disbursed as a lump sum and must be repaid in installments with interest over a fixed period (usually one year or more). The interest rate of a personal loan is fixed, so your monthly repayment amount remains the same. Before approving a personal loan application, the lending institution will consider your credit status and financial information, including your income and outstanding debts.
Although many lending companies promote instant approval as a highlight of their service, it's important to note that the so-called "instant approval" is usually only a principle approval, and the actual approval process still takes at least 60 minutes. If you have all the correct documents prepared when applying, the process can be relatively quick. However, approval times from some banks may be longer, typically taking 2 to 5 business days before funds are approved. Once approved, it may take anywhere from one day to a week to receive the loan amount
Late repayment of a personal loan will negatively impact your credit score, and such records can remain on your credit report for up to 5 years. In addition, when you apply for a personal loan, the lender will review your credit report to assess your creditworthiness. It’s worth noting that if multiple institutions check your credit report within a short period of time, it may be seen as a sign that you are in urgent need of credit, suggesting that your financial situation might not be stable. Therefore, it is recommended that after applying for a personal loan, you wait a few months before applying for another loan to avoid excessive credit inquiries, which could negatively affect your credit score.
If an offer is marked as “MoneyHero Exclusive Offer” / “MoneyHero Exclusive Reward,” it is generally distributed by MoneyHero, except for the WeLend Personal Loan Exclusive Cash Rebate Offer. To receive the reward distributed by MoneyHero, you need to fill in and submit the MoneyHero Reward Redemption Form.
Other offers that are not marked as “MoneyHero Exclusive Offer” / “MoneyHero Exclusive Reward” are distributed by the bank/financial institution, and the progress of such rewards must be checked with the bank.
After applying through MoneyHero and drawing down the loan, you need to submit the MoneyHero Reward Redemption Form:
The reward redemption form for bank loans can be found in your email, or you can log in to MoneyHero to locate it.To find the MoneyHero Reward Redemption Form for WeLend / PrimeCredit / UA / AEON / CreFIT / Zero Finance personal loans: go to this website and locate the personal loan you applied for, click on “MoneyHero Exclusive Offer,” and then find “Click here to complete the Reward Redemption Form.”
In general, after the promotional period for the exclusive personal loan offer ends, customers need to draw down the loan/meet the loan requirements within the specified period. After that, MoneyHero will confirm the application record and reward eligibility with the relevant financial institution. Starting from the end of the promotional period, it usually takes about 12–16 weeks. The required time may vary depending on approval, spending, and other actual circumstances.