Personal Loan Comparison

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Exclusive - Fusion Bank Revolving Easy Fund

Exclusive offer - APR as low as 1.63% - No interest fee and repayment in the first 2 mths

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

100

Max loan amount

Two months payment holidays
Fast approval to get the loan in no time

From now until February 28, 2023, Midland Club and/ or APP members can apply for Fusion Bank Revolving Easy Loan to enjoy two months payment holiday with APR as low as 1.63%(*1)!

Just use Fusion Bank’s flexible revolving loan to prepay the annual rent plus deposit, tenant can confirm the credit liimit to secure a rental budget before you start looking for your rental property, then immediately withdraw and confirm the rent by making annual rent prepayment to the landlord in order to enjoy the 1st 3 months of $0 expense, which means the monthly repayment will only start 3 months after drawdown, and to be repaid up to 60 months.

Redemption method:
Click [Register Now] below now to secure the quota and follow the instructions to open an account with your mobile phone and apply to avoid missing out!

*2: The final savings depend on the discounts that individual landlord is willing to offer. The tenancy arrangement and agreement between the landlord and the tenant are not related to Fusion Bank and Fusion Bank does not undertake any obligation, responsibility or liability.

*3: Taking 23 November 2022 as an example, the annual interest rate of HKD 6-month time deposit reached 4.5%. The relevant annual interest rate may be adjusted from time to time and the effective annual interest rate available to customers is subject to the display on the Fusion Bank website www.fusionbank.com on the date of placing the time deposit.

Terms and conditions of Fusion Bank apply. For details, please check out Fusion Bank’s website: www.fusionbank.com. The above is a credit product “Personal Loan Credit Line”. To borrow or not to borrow? Borrow only if you can repay! The company is not responsible for any matters related to the above-mentioned offers, related products and services between you and Fusion Bank. In case of any dispute, the company and Fusion Bank reserve the right of final decision.

Hang Seng Tax Season Loan

Up to HKD5,000 cash rebate

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

300

Max loan amount

APR as low as 1.62%

Hang Seng Tax Season Loan

Annualised Percentage Rate as low as 1.62%¹and 0% handling fee

Loan amount up to HKD3,000,000 or 12 times of your monthly salary(whichever is lower) ², and up to 60 months of repayment period ³

Up to HKD5,000 cash rebate⁴

No document is required for payroll customers ⁵

For a loan amount of HKD1,500,000 or above, the Annualised Percentage Rate of 1.62% is calculated based on a monthly flat rate of 0.07% and a 24-month repayment period, including 0% handling fee. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
The minimum monthly income of the customers must be HKD11,000 or above. The final approved loan amount is subject to change in accordance with the circumstances of individual cases.
Customers can choose for a 6, 9, 12, 18, 24, 30, 36, 42, 48, 54 or 60 months repayment period. If Tax Payment is the only loan purpose, maximum tenor is 18 months.
During the Promotion Period*, customers who have successfully applied for the Loan via Hang Seng Bank website, Hang Seng Personal e-Banking or Hang Seng Mobile Application and drawn down the Loan with a designated drawdown amount and a minimum repayment period of 36 months will be entitled to up to HK$5,000 Cash Rebate. The applicable cash rebate for the corresponding drawdown loan amount of different customer type is shown as below.

Drawdown Amount	Repayment Period	Cash Rebate for Hang Seng Private Banking, Signature and Prestige Banking Customers	Cash Rebate for Other Customers
HK$50,000 - HK$199,999	36months or above	HK$300	HK$200
HK$200,000 - HK$499,999		HK$800	HK$500
HK$500,000 - HK$999,999		HK$1,500	HK$1,000
HK$1,000,000 - HK$1,499,999		HK$3,000	HK$2,000
HK$1,500,000 or above		HK$5,000	HK$3,000

All the applicable cash rebate will be credited to eligible customer’s repayment account by 30 June 2023 without prior notice. Customers must have no record of default or early settlement of their instalment loan before the cash rebate is credited. If customers settle their instalment loans ahead of schedule after the cash rebate has been credited, he/she shall return the cash rebate in full to Hang Seng Bank Limited (“Hang Seng”) upon settlement of the loan. Each eligible customer could enjoy the offer once in the Promotion Period.

5. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.

6. Minimum loan amount is HKD5,000.

*The promotion period commences on 30 December 2022 and expires on 28 February 2023.

Terms and conditions apply. Please visit Hang Seng Bank's website for details. The above information is for reference only. The loan amount, monthly repayment and interest rate are subject to the Hang Seng Bank's approval.

To borrow or not to borrow? Borrow only if you can repay!

Hang Seng Handy Cash Personal Instalment Loan

APR as low as 1.85%

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

300

Max loan amount

Up to HKD3,000 cash rebate
Further apply for a top-up on your repaid amount with no documents required

Hang Seng Handy Cash Personal Instalment Loan

Realise your dream at a low interest rate with Hang Seng Personal Instalment Loan.
Whenever you need cash in your different life moments, we are always here with you. Apply for personal loan online and get cash with ease.

Personal loan Annualised Percentage Rate as low as 1.85%¹and 0% handling fee

Loan amount up to HKD3,000,000 or 24 times of your monthly salary (whichever is lower) ², and up to 60 months of repayment period ³

Up to HKD3,000 cash rebate⁴

Further apply for a top-up on your repaid amount ⁵with no documents required ⁶

For a loan amount of HKD1,500,000 or above, the Annualised Percentage Rate of 1.85% is calculated based on a monthly flat rate of 0.08% and a 24-month repayment period, including 0% handling fee. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
The final approved loan amount, which is calculated by way of monthly salary multiple, is subject to change in accordance with the circumstances of individual cases.
Customers can choose for a 6, 12, 18, 24, 30, 36, 42, 48, 54 or 60 months repayment period.
During the Promotion Period*, customers who have successfully applied for Hang Seng Handy Cash Personal Instalment Loan (excluding Top-up Loan) via Hang Seng Bank Website, Hang Seng Personal e-Banking or Hang Seng Personal Banking mobile app and drawn down the loan with a designated drawdown amount and a minimum repayment period of 36 months will be entitled to up to HKD3,000 Cash Rebate. The applicable Cash Rebate for the corresponding drawdown amount is shown as below.

Drawdown Loan Amount	Repayment Period	Cash Rebate
HKD50,000 - HKD199,999	36 months or above	HKD200
HKD200,000 - HKD499,999		HKD500
HKD500,000 - HKD999,999		HKD1,000
HKD1,000,000 - HKD1,499,999		HKD2,000
HKD1,500,000		HKD3,000

The applicable Cash Rebate will be credited to customer’s repayment account by 30 June 2023 without prior notice. Customers must have no record of default or early settlement of their instalment loan before the rebate is credited. If customers settle their instalment loans ahead of schedule after the crediting of the rebate, he / she shall return the rebate in full to Hang Seng Bank Limited (“Hang Seng”) upon settlement of the loan. Each eligible customer could enjoy the offer once only in the Promotion Period.

5. Customers may apply for a Top-up Loan on the repaid principal amount if a minimum of one instalment is made, the repaid principal amount is over HKD3,000 and a punctual repayment record is maintained. For the detailed terms and conditions, please refer to the relevant application form.

6. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.

7. Minimum loan amount is HKD5,000.

*The promotion period commences on 30 December 2022 and expires on 24 February 2023.

Terms and Conditions apply. Please visit Hang Seng Bank's website for details. The above information is for reference only. The loan amount, monthly repayment and interest rate are subject to the Hang Seng Bank's approval.

To borrow or not to borrow? Borrow only if you can repay!

BOC Express Cash Instalment Loan – Tax Season Loan

Cash rebate upto $2,900

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

400

Max loan amount

Successful application via e-Channels and mReferral reference code can earn up to HK$2,900 cash rebate
APR as low as 1.68%*

BOC Express Cash Instalment Loan – Tax Season Loan

APR as low as 1.68%*

Successful application via e-Channels can earn up to HK$2,900 cash rebate.

Successfully submit the application and documents by applying loan amount of HK$50,000 or above with repayment tenor 36 months or above via designated e-channels, completed drawdown on or before 30 April, 2023

Apply BOC Express Cash – Tax Season Loan via mReferral website, with input reference code “AM”, can enjoy up to HK$2,900 Cash Rebate.

Terms and Condition applied.

Annualised Percentage Rate: as low as 1.68%; handling fee: as low as 0%
Flexible repayment period from 6 months to 60 months
Loan amount up to HK$4,000,000 or 18 times of your monthly salary (whichever is lower)
Annual monthly income of HK$6,000 or above
customers can earn up to a HK$2,900 cash rebate by applying for the loan with a loan amount of HK$50,000 or above, and with a repayment tenor of 36 months or above and submit documents successfully via designated e-channels within promotion period and successfully drawdown on or before 30 April 2023 to be eligible to the cash rebate

Loan Amount	Cash Rebate
$50,000 to $79,999	$200
$80,000 to $199,999	$400
$200,000 to $499,999	$800
$500,000 to $999,999	$1,200
$1,00,000 or above	$2,800

Customers should successfully drawdown the loan amount of HK$50,000 or above with tenor 36 months or above; and
The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 30 September 2023 without prior notice.

*The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and monthly flat rate of 0.0754%. The annualised percentage rate is 1.68%, with handling fee waiver. The APR is calculated according to the guidelines laid down in The Hong Kong Association of Banks for reference use only. An APR is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualised rate.

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

HSBC Personal Instalment Loan

Enjoy up to $5,300 Cash Rebate

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

300

Max loan amount

APR As low as 1.65%
Get approved and withdraw cash within just 1 minute

HSBC Personal Instalment Loan

1-minute approval¹

APR as low as 1.65%²

Monthly flat rate as low as 0.08%²

Borrow up to HKD3 million or 23 times your monthly salary, whichever is lower
You can set a flexible repayment period of up to 60 months and pay your loan back in fixed monthly payments
Redraw the amount you repaid again when you need to, without having to apply again³
$0 handling⁴ fee

When can you enjoy the offer

1.The promotional period for the offer is from 14 December 2022 to 6 February 2023.

What is the offer

2. You can enjoy cash rebate for your approved application of Personal Instalment Loan (“Loan”) during the promotional period.

How can you enjoy the offer

3. Successful Application Offer:
(a) If you submit a Loan application and the Loan is approved during the promotional period with a repayment period of 60 months, you will be eligible for a HK$500 cash rebate for an approved Loan amount of HK$100,000 to less than HK$800,000, or a HK$1,000 cash rebate for an approved Loan amount of HK$800,000 to less than HK$1,500,000, or a HK$5,000 cash rebate for an approved Loan amount of HK$1,500,000 or above; or

Approved Loan Amount	Repayment Period	Cash Rebate
HK$100,000 - 799,999	60 months	HK$500
HK$800,000 - 1,499,999		HK$1,000
HK$1,500,000 or above		HK$5,000

(b) If you submit a Loan application and the Loan is approved during the promotional period with a repayment period of more than 24 months to less than 60 months, you will be eligible for a HK$500 cash rebate for an approved Loan amount of HK$100,000 to less than HK$800,000, or a HK$1,000 cash rebate for an approved Loan amount of HK$800,000 to less than HK$1,500,000, or a HK$2,000 cash rebate for an approved Loan amount of HK$1,500,000 or above; or

Approved Loan Amount	Repayment Period	Cash Rebate
HK$100,000 - 799,999	more than 24 months to less than 60 months	HK$500
HK$800,000 - 1,499,999		HK$1,000
HK$1,500,000 or above		HK$2,000

(c) If you submit a Loan application and the Loan is approved during the promotional period with a repayment period of 12 to 24 months, you will be eligible for a HK$300 cash rebate for an approved Loan amount of HK$100,000 to less than HK$800,000, or a HK$500 cash rebate for an approved Loan amount of HK$800,000 to less than HK$1,500,000, or a HK$1,200 cash rebate for an approved Loan amount of HK$1,500,000 or above.

Approved Loan Amount	Repayment Period	Cash Rebate
HK$100,000 - 799,999	12 to 24 months	HK$300
HK$800,000 - 1,499,999		HK$500
HK$1,500,000 or above		HK$1,200

4. Document Submission Offer:

If you submit the supporting document(s) required by us for a Loan application and a Loan of HK$100,000 or above is approved during the promotional period, you will be eligible for a cash rebate of HK$300. This offer is not applicable if we do not require submission of supporting document for the Loan application.

Read before you enjoy the offer

5. You are entitled to enjoy the offer(s) only once under this promotion.

6. The cash rebate will be credited to your Loan repayment account on or before 31 May 2023 (the “Offer Credit Date”) without further notice. You have to ensure your Loan repayment accounts are still valid on the Offer Credit Date in order to enjoy the offer(s).

7. If you cancel your Loan on or before the Offer Credit Date, you will not be eligible for the offer(s). You shall be required to return to us any cash rebate earned under the applicable promotional offer(s) in case of early repayment of the Loan.

8. We can change or cancel the offer(s) or amend the terms and conditions. Please check our website for the latest details, availability and terms and conditions of the offer(s).

9. In case of any dispute arising out of this promotion, our decision shall be final and conclusive.

10. We write the terms and conditions of the offer(s) under Hong Kong laws. In the event of any discrepancy or inconsistency between the English version and the Chinese version of the promotional materials and these terms and conditions, the English version shall prevail.

To borrow or not to borrow? Borrow only if you can repay!

¹Applications 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 limiitation a valid HSBC banking account number) and documents. The actual turnaround time starts when all the required information is successfully input 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.

²Only applicable to customers who have successfully applied for and drawn down the loan during the promotional period with an approved loan amount of HK$1,500,000 or above. Based on a monthly flat rate of 0.08%, the Annualised Percentage Rate (APR) is 1.65% (including HK$1,200 under Successful Application Offer) aand 1.80% (excluding the cash rebate) over a repayment period of 12 months. 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.

³Minimum redraw amount 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.

⁴$0 handling fee is not applicable to any re-drawn part of the loan. Any re-draw of the repaid loan amount is subject to a re-draw charge.

Terms and conditions apply. For details, please refer to HSBC's official 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.

"NO SHOW" Personal Loan

Enjoy Cash Reward up to HK$18,000

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

100

Max loan amount

Just a call and cash will be ready. No documents required #
Customer service available 7 days a week** with swift approval and cash transfer by FPS*

"NO SHOW" Personal Loan

•New and existing customers¹ enjoy Cash Reward up to $18,000²

•Just a call and cash will be ready. No documents required^#

•Customer service available 7 days a week** with swift approval and cash transfer by FPS*

^#United Asia Finance Limited (“the Company”) is the sole financial institution in Hong Kong that does not require customer (including new and existing customers) to provide document proof for the application of “NO SHOW” Personal Loan. Nevertheless, customer has to fulfil the respective credit requirements by the Company. Otherwise, customer might be required to come to the branches in person to provide relevant document.

**The servicing hours for Saturday and Sunday is 9:00am-6:00pm.

*Loan approval and electronic transfer service is available from Monday to Friday 9:00am-6:30pm), Saturday to Sunday 9:00am-5:30pm) and except public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

¹ 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 Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.

²Liimited time offer is subject to terms and conditions. For details, please click here.

United Asia Finance Liimited 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.: 1299/2022

Civil Servants and Professionals Express Loan

Enjoy Cash Reward up to HK$18,000

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

100

Max loan amount

APR as low as 1.38% with flexible repayment terms: 6 - 60 months
Apply online anytime anywhere, no face-to-face contact is required Swift approval, instant cash by FPS including Sat & Sun*

Civil Servants and Professionals Express Loan

•New and existing customers¹ enjoy Cash Reward up to $18,000²

•APR as low as 1.38% with flexible repayment terms: 6 - 60 months

•Apply online anytime anywhere, no face-to-face contact is required

•Swift approval, instant cash by FPS including Sat & Sun*

Civil Servants and Professionals include 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/ quasi-government corporations, Airport Authority and Hospital Authority. (UA reserves the final right of interpretation on the definition of professionals)
* Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday to Sunday (9:00am-5:30pm) and except public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

²Liimited time offer is subject to terms and conditions. For details, please click here.

United Asia Finance Liimited 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.: 1299/2022

BOC Express Cash Instalment Loan Balance Transfer

Earn up to HK$23,988 cash rebate

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

200

Max loan amount

BOC Express Cash Instalment Loan Balance Transfer

Apply via designated e-Channels will be entitled up to HK$23,988 cash rebate.

From now until 31 March 2023, successful applicants fulfill the following criteria will be entitled up to HK$23,988 cash rebate.

Successfully submit the application and documents
Apply loan amount of HK$50,000 or above with repayment tenor 36 months or above via designated e-channels, completed drawdown on or before 30 April, 2023
Apply BOC Express Cash – Balance Transfer via mReferral website, with input reference code “AM”, can enjoy up to HK$23,988 Cash Rebate

Terms and Condition applied.

Product Features

Customers can earn up to a HK$23,988 cash rebate by applying for the loan with a specific loan amount, and with a repayment tenor of 36 months or above and submit documents successfully via designated e-channels.

Loan Amount	Cash Rebate
$50,000 to $199,999	$888
$200,000 to $499,999	$3,888
$500,000 to $999,999	$13,888
$1,00,000 or above	$23,888

Customers should successfully drawdown the loan on or before 30 April 2023 to be eligible to the cash rebate
The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 30 September 2023 without prior notice. The status of the eligible customers’ BOC Express Cash accounts must be normal and valid, and without any overdue record or in breach of the terms and conditions of the Tax Season loan or Loan Top-up or Balance Transfer when BOCHK credits the cash rebate. Otherwise, BOCHK reserves the right to cancel the cash rebate without prior notice.

Annualised Percentage Rate as low as 4.93%, handling fee as low as 1%

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

*The quoted interest rate is calculated based on a loan amount of HK$1,000,000 with repayment tenor of 12 months and monthly flat rate of 0.1337%. The annualised percentage rate is 4.93%, with 1% handling fee. The APR is calculated according to the guidelines laid down in The Hong Kong Association of Banks for reference use only. An APR is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualised rate.

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.

i-Money Internet Personal Loan

Enjoy Cash Reward up to HK$18,000

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

100

Max loan amount

Whole loan process completed 24x7 online with swift approval. Instant cash transfer by FPS including Sat & Sun*
【Property Owner Exclusive】No property deed required, large loan amount up to $1,000,000 for flexible cash out

i-Money Internet Personal Loan

•New and existing customers¹ enjoy Cash Reward up to $18,000²

•Whole loan process completed 24x7 online with swift approval. Instant cash transfer by FPS including Sat & Sun*

•【Property Owner Exclusive】No property deed required, large loan amount up to $1,000,000 for flexible cash out

*Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday to Sunday (9:00am-5:30pm) and except public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

²Liimited time offer is subject to terms and conditions. For details, please click here.

United Asia Finance Liimited 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.: 1299/2022

PrimeCredit Fixed Instalment Loan

Up to HK$12,000 Cash Bonus, No income proof is needed

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

Max loan amount

Online instant approval and 24x7 loan disbursement
Up to HK$12,000 Cash Bonus will be rewarded upon successful application and drawdown

[Instant approval and withdrawal] Online instant approval and 24x7 loan disbursement
[Urgency] No income proof is required for loan amount of HK$100,000 or less
[Unique 14-day Flexi Payment] Unique 14-day Flexi Payment without penalty or affecting your credit record
[No extra fee] No handling fee, no early settlement fee
[Special Offer] From 1 January 2023 to 28 February 2023 (both dates inclusive), up to HK$12,000 cash bonus will be rewarded upon successful application and drawdown
Only applicable to eligible customers. For more loan and offer details, please visit PrimeCredit's website
Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 775/2022

PrimeCredit Balance Transfer Loan

Up to HK$12,000 Cash Bonus, No income proof is needed

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

Max loan amount

Can save up to 98% interest, make monthly repayment 50% less
Up to HK$12,000 Cash Bonus will be rewarded upon successful application and drawdown

[Professional analysis] PrimeCredit Balance Transfer Analyst provides professional analysis on your current card and loan indebtedness, and tailor-make the most interest saving and fastest repayment plan according to your needs
[Save!] Can save up to 98% interest, make monthly repayment 50% less and repayment period 25 years shorter
[No extra fee] No handling fee, no early settlement fee
Repayment terms up to 72 months
Online application with instant approval result
[Special Offer] From 1 January 2023 to 28 February 2023 (both dates inclusive), up to HK$12,000 cash bonus will be rewarded upon successful application and drawdown
For more loan and offer details, please visit PrimeCredit's website
Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 775/2022

PrimeCredit Property Owner's Personal Loan

Up to HK$12,000 Cash Bonus, No income proof is needed

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

120

Max loan amount

No mortgage, monthly flat rate as low as 0.1%
Up to HK$12,000 Cash Bonus will be rewarded upon successful application and drawdown

[High Loan Amount] Property owner can enjoy higher loan amount than a personal loan, loan amount up to HK$1,200,000
[Low interest rates & Extra long repayment period] Monthly flat rate as low as 0.1%, and repayment terms up to 84 months
[Express approval] Approval result can be received as fast as within 1 hour
[Simplicity deed waiver] Property deeds are not required. The whole loan procedure is processed through branch
[No limitations on property types] No matter if your property is a private estate, apartment or public housing or if it is self-occupied or leased; as long as you are the owner of the property, you are eligible to apply
[No extra fee] No handling fee, no early settlement fee
[Special Offer] From 1 January 2023 to 28 February 2023 (both dates inclusive), up to HK$12,000 cash bonus will be rewarded upon successful application and drawdown
For more loan and offer details, please visit PrimeCredit's website
Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 775/2022

X Wallet - The 1st A.I. Express Loan App

Enjoy $800 Cash Rebate + 10% Interest Rebate upon loan amount

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

Max loan amount

X Wallet New Customers Enjoy $800 Cash Rebate + 10% Interest Rebate upon loan amount

Promotion Code: MR1300

Promotion Period: From 8 November 2022 to 31 January 2023

Promotion Detail

New customers will receive following two offers when he/she is successfully approved for the X Wallet Express Loan (X Wallet loan) and confirmed the loan contract for the first time in the past 12 months:

$800 cash rebate will be distributed if the loan account is in normal and active status (overdue, write off, frozen, etc. are all regarded as abnormal accounts), and has not been settled within 40 days;
Customer who enjoyed offer (1) is eligible for offer (2): if the loan account is in normal and active status (overdue, write off, frozen, etc. are all regarded as abnormal accounts), and has not been settled within 70 days, extra 10% cash rebate of the loan amount will be distributed, while the maximum rebate amount is capped at $500.

Below are the examples:

Client confirms the loan contract on 1^st November 2022
11^th December 2022 will be the 40^th day upon the loan contract confirmation day

12^th December 2022 will be the 41^st day upon the loan contract confirmation day
10^th January 2023 will be the 70^th day upon the loan contract confirmation day

Example	Loan Amount	Account Status from 1^st November 2022 to 11^th December 2022	Offer (1) Cash Rebate	Account Status from 12^th December 2022 to 10^th January 2023	Offer (2) Cash Rebate
1	$10,000	Active	$800	Active	$500 (10% of the loan amount: $5,000)
2	$3,000	Active	$800	Active	$300 (10% of the loan amount: $3,000)
3	$10,000	Active	$800	Overdue	Ineligible for offer (2)
4	$10,000	Overdue	Ineligible for offer (1)	Active	Ineligible for offer (2)

In order to enjoy the offer, customers must input the promotion code during the loan application procedure.
Both $800 cash rebate and extra 10% interest rebate will be given within 45 days and 75 days upon the loan contract confirmation respectively. The rebates will be calculated automatically by the system, and will have in-app message to notify the completion of rebate distribution.
Customers can log into X Wallet and click the withdraw button in the “Referral & Rewards” page to transfer the rewards. The cash transfer will take about two working days to designated Hong Kong bank account (public holidays or Saturdays and Sundays are not regarded as working days).

Terms and Conditions

1. This promotion is only applicable to new customer of X Wallet who successfully confirms the X Wallet loan contract for the first time during the promotion period, or, who does not have X Wallet loan account within 12 months from the date of confirming the loan contract.

2. The time for submitting loan applications is subject to the computer records of Zero Finance Hong Kong Limited (the company). Late applications will not be accepted.

3. Customer will only enjoy this offer once during the promotion period.

4. The promotion code must be inputted during the loan application process, and no subsequent supplements or changes will be accepted.

5. To enjoy (2) extra 10% interest rebate shown in “Promotion Details” section, the loan accounts must fulfill the rewards release requirement of (1) cash rebate shown in “Promotion Details” section.

6. The offer is neither transferable, cancellable nor returnable.

7. The company reserves the right to verify the customers’ identity. Customers will be disqualified from the offer without prior notice if the personal information provided is found to be unknown, unclear or missing and unable to contact the customers or verify the customer's identity.

8. All the personal information collected will follow the personal data privacy policies of the company.

9. The company will not accept any liability for any problems due to computer, network, telephone, and other technical issues which cause the customer to delay or miss for submitting an application. The customers cannot make any legal action or investigation to the company.

10. The company reserves the right to amend the terms and conditions of this offer or stop this loan promotion program at any time without prior notice. Any matter or dispute regarding the offer or the terms and conditions, the company reserves the right of final decision.

11. The company reserves the right to disqualify the eligibility of the customers and withdraw the rewards if the personal information provided is found to be fake or any actions breach of the terms and conditions.

12. The offer cannot be used in conjunction with other discounts or promotion offers. Any matter or dispute regarding the offer or the terms and conditions, the company reserves the right of final decision.

13. By participating in the offer, each customer agrees to be bounded by these terms and conditions. The company reserves the rights to disqualify the eligibility of customers, and withdraw the offer and to proceed legal action, if any breach of terms and conditions.

14. If the customer closes, cancels or settle his/her X Wallet loan account before the reward is issued, all rewards will be cancelled immediately.

Citi Tax Season Loan

Receive cash in the same day, enjoy up to HK$10,000 cash coupon

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

200

Max loan amount

APR as low as 1.78%

Citi Tax Season Loan

Same-day approval, cash can be received on the same day, no handling fee and cash coupou rebate up tp $10,000

Details: https://www1.citibank.com.hk/chinese/loans/tax-loan

Terms and Conditions of Citi Tax Season Loan Promotion (“Offer”)

The Offer promotion period is from January 1, 2023 to March 31, 2023, both dates inclusive (“Promotion Period”).
Customers who successfully apply for Citi Tax Season Loan within the Promotion Period and drawn down on or before April 14,
2023 with a specific loan amount and repayment term 12 months or above (“Eligible customers”) will be eligible for the Offer. Only
applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited (the “Bank”) at the time
of application.

Offer (Cash Coupons)
	Repayment period 24 months or below		Repayment period 24 months above
Loan Amount (HK$)	Reward for Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders	Reward for other customers	Reward for Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders	Reward for other customers
HK$1,500,000 or above	HK$5,000	HK$2,500	HK$10,000	HK$4,000
HK$800,000 to HK$1,499,999	HK$2,500	HK$2,000	HK$5,000	HK$3,000
HK$300,000 to HK$799,999	HK$1,500	HK$1,000	HK$3,000	HK$2,000
HK$100,000 to HK$299,999	HK$800	HK$500	HK$1,000	HK$700

3. The Offer for Citigold Private Client/ Citigold Client or Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following
requirement from the date of application to the issue date of redemption letter (both dates inclusive):
- Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the
account balance at HK$1,500,000 or above and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
4. A cash coupon redemption letter (if applicable) will be mailed to the Eligible Customers’ Hong Kong correspondence address according
to The Bank’s record on or before June 30, 2023.
5. Cash coupon reward is subject to availability. The Bank reserves the right to offer an alternative gift or benefit in substitution of the
cash coupon reward without prior notice. Cash coupon reward cannot be converted to cash and are not replaceable in the event of
any loss or damage. The use of the cash coupon reward is bounded by the relevant terms and conditions printed therein and The Bank
accepts no liability in respect of the quality of the products and services provided by the supplier involved in this promotion. The
respective suppliers are responsible for all obligations and liabilities in relation to such products or services.
6. Each Eligible Customer can enjoy the Offer once during the Promotion Period.
7. Citibank Personal Loan account of Eligible Customers must be valid and in good condition without any late payment or early repayment,
otherwise The Bank reserves the right to forfeit the eligibility of an Eligible Customer to participate in this promotion and the Eligible
Customer shall immediately repay to The Bank full amount of Reward under this promotion.
8. If Eligible Customers have made early settlement of /cancelled Citi Personal Loan accounts after the Rewards are awarded, The Bank
reserves the right to charge:
a) the full amount of the cash coupon reward (if applicable); AND
b) the early repayment fee for the Citi Personal Loan (which is based on a rate on the entire principal amount as set out in the
Drawdown Letter)
9. The Offer cannot be used in conjunction with any other promotional offers.
10. Citi Tax Season Loan is the product of Citibank Personal Loan and is subject to the “Terms and Conditions for Citibank Personal Loan”.
11. The Bank reserves the right to amend these terms and conditions at any time without prior notice.
12. In case of dispute, the decision of The Bank shall be final and conclusive.
13. In the event of discrepancy or inconsistency between this English version of the terms and conditions and the Chinese version, the
English version shall prevail.

• 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 0.080% 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 HKD200,000 with 12 months repayment period, the monthly flat rate is 0.34% (APR 7.71%), and the total loan repayment amount is HKD208,164 (including full handling fee waiver). The above example is for reference only.

To borrow or not to borrow? Borrow only if you can repay!

Grantit TU-Free loan

APR as low as 4.2%

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

Max loan amount

Loan does not affect your TU credit rating

Grantit TU-Free loan

Sorted, all in one App. No paperwork, no meet-ups! Our app provides a quick and easy way of loan application for our users to apply anytime anywhere.

Don’t worry, we do not need your TransUnion credit report. Yet, we offer a competitive APR only TU money lenders can provide.

$2,000 to $80,000 at your fingertips! Enjoy a 4.2% to 56% range APR and a flexible Repayment Term from 1 to 30 months. Early repayment whenever you need, simply applied through our app.

*Sept 1 - 15, 2021 figure

WeLend Card Debt Consolidation Loan

Up to $12,000 Cash Rebate

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

Max loan amount

Up to $12,000 Cash Rebate

【WeLend Promotion】Up to $12,000 Cash Rebate：

•The promotion is valid from July 4, 2022 to March 7, 2023, both dates inclusive.

•Selected customers who have successfully applied for and drawn down on a Card Debt Consolidation loan or a Balance Transfer Loan through designated online channels and a minimum loan tenor of twenty-four instalments, shall be eligible to receive the following cash rebate amounts:

Loan amount	Minimal loan tenor	Cash rebate
HK$100,001 to $200,000	twenty-four instalments	HK$2,800
HK$200,001 to $300,000		HK$3,800
HK$300,001 to $400,000		HK$4,800
HK$400,001 to $500,000		HK$5,800
HK$500,001 to $600,000		HK$8,800
HK$600,001 to $800,000		HK$10,800
HK$800,000 or above		HK$12,000

Terms and Conditions apply. Please visit Welend.hk for more T&C.
Warning: You have to repay your loans. Don’t pay any intermediaries.

Money Lender’s License: 1193/2022

WeLend Property Owner Loan

Up to $12,000 Cash Rebate

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

150

Max loan amount

Up to $12,000 Cash Rebate

【WeLend Promotion】Up to $12,000 Cash Rebate：

•The promotion is valid from July 4, 2022 to March 7, 2023, both dates inclusive.

•Selected customers who have successfully applied for and drawn down on a Property – owner Loan through designated online channels and a minimum loan tenor of twenty-four instalments, shall be eligible to receive the following cash rebate amounts:

Loan amount	Minimal loan tenor	Cash rebate
HK$100,001 to $200,000	twenty-four instalments	HK$2,800
HK$200,001 to $300,000		HK$3,800
HK$300,001 to $400,000		HK$4,800
HK$400,001 to $500,000		HK$5,800
HK$500,001 to $600,000		HK$8,800
HK$600,001 to $800,000		HK$10,800
HK$800,000 or above		HK$12,000

Terms and Conditions apply. Please visit Welend.hk for more T&C.
Warning: You have to repay your loans. Don’t pay any intermediaries.

Money Lender’s License: 1193/2022

WeLend Personal Loan

Up to $12,300 Rebate

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

Max loan amount

Selected customers who have successfully applied can get HK$300 supermarket cash coupon, no matter the loan is approved or not
Up to HK$12,300 Rebate upon successful draw down!

The promotion is valid from July 4, 2022 to March 7, 2023, both dates inclusive.

【$300 Supermarket Coupon】

• New customers who have applied for the designated Personal Loan through designated online channels with a net applied loan amount of HK$50,000 or above and completed the entire application process, submitted all required documents and information can get HK$300 supermarket cash coupon, no matter the loan is approved or not!

【Up to $12,000 Cash Rebate】

•Selected customers who have successfully applied for and drawn down on a Personal Loan through designated online channels and a minimum loan tenor of twenty-four instalments, shall be eligible to receive the following cash rebate amounts:

Loan amount	Minimal loan tenor	Cash rebate
HK$100,001 to $200,000	twenty-four instalments	HK$2,800
HK$200,001 to $300,000		HK$3,800
HK$300,001 to $400,000		HK$4,800
HK$400,001 to $500,000		HK$5,800
HK$500,001 to $600,000		HK$8,800
HK$600,001 to $800,000		HK$10,800
HK$800,000 or above		HK$12,000

Terms and Conditions apply. Please visit Welend.hk for more T&C.
Warning: You have to repay your loans. Don’t pay any intermediaries.

Money Lender’s License: 1193/2022

Promise Instant Personal Loan

No supporting documents required, welcome rebate up to $10,000

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

Max loan amount

Eligible new customer can receive cash Reward up to $10,000▲
Long and flexible repayment period

[Instant approval & disbursement] Instant preliminary approval result upon online application, money transfer right after approval^.

[Daily interest calculation] Neither handling fee nor interest penalty will be charged for early repayment, saving unnecessary interest and expense.

[No supporting documents required#] Apply loans with just your ID card and mobile number.

[Time limited offer] ▲Eligible new customers can receive rewards worth up to $10,000 upon loan withdrawal of specific amount before 31 March 2023. Detail is shown below.

First Drawdown Loan Amount (HK$)	Cash Reward (HK$)
$550,001 or above	$10,000
$500,001 - $550,000	$8,000
$400,001 - $500,000	$5,000
$300,001 - $400,000	$4,000
$200,001 - $300,000	$3,000
$100,001 - $200,000	$2,000
$50,001 - $100,000	$1,000
$10,000 - $50,000	$500

- Eligible New Customers must redeem the reward before the expiry date, i.e. 31 May 2023.

-※For Hong Kong non-permanent resident’s loan application, at least 3 months working visa validity is required.

-All examples and information of interest rate are for reference only, and any final approval is subject to actual circumstances of individual loan applicant.

-Subject to Terms and Conditions of promotion. For Terms and Conditions details, please visit website of Promise (Hong Kong) Co. Limited.

-In case of disputes regarding this offer, the decision of Promise (Hong Kong) Co., Ltd. shall be final and conclusive.

-Promise (Hong Kong) Co., Ltd. reserves its right to approve any loan applications and revise the above said Terms and Conditions without prior notice.

-Warning: You have to repay your loans. Don't pay any intermediaries.

-Enquiry and Complaint Hotline : 3199 1199

-Money Lender’s Licence Number : 1488/2022

Standard Chartered Personal Instalment Loan

APR as low as 1.65%#

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

200

Max loan amount

Up to HKD8,000 Cash Rebate

Standard Chartered Personal Instalment Loan

Promotion period: 9 Jan 2023 - 12 Mar 2023
Exclusive online offers – Up to HKD 8,000 Cash Rebate

Loan Amount (HKD)	Basic Cash Rebate (HKD) (the loan tenor of 12 months)	Basic Cash Rebate (HKD) (the loan tenor of 24 months)	Extra Cash Rebate (HKD) *(only applicable for New Clients and the loan tenor is 36 months or above)**
$50,000 - $199,999	$300	$500	$1,000
$200,000 - $599,999		$2,000
$600,000 - $1,499,999		$3,000
$1,500,000 or above		$7,000

Annualized Percentage Rate as low as 1.65%^#
Handling Fee 0%
Loan amount up to 18X monthly salary or HKD 2,500,000 (whichever is lower)
Loan tenor up to 60months
7-Day Cooling-off Period Early redemption fees and changes waiver
Online Service Pledge – Application submitted before noon will be followed up within the same business day

^#The Annualised Percentage Rate is 1.65% (for clients with loan amount of HKD$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 and rate table are only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application. 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.

*New Clients are applicants who are not holding any loans and/or credit cards issued by the Bank at the time of this application

Terms and conditions apply. For details, please refer to Standard Chartered official website.

To borrow or not to borrow? Borrow only if you can repay.

Standard Chartered Personal Instalment Loan Debt Consolidation Program

0% Handling fee for early repayment, Up to HKD8,000 Cash Rebate

Interest rate

Monthly flat rate:

Total repayment

Monthly repayment

每月最低還款額

每日利息

200

Max loan amount

Monthly Flat Rate as low as 0.2%^
Saved Interest up to 95% , monthly repayment 12%

Standard Chartered Personal Instalment Loan Debt Consolidation Program

Promotion period: 8 Jan 2023 - 12 Mar 2023
Exclusive online offers – Up to HKD 8,000 Cash Rebate

Loan Amount (HKD)	Basic Cash Rebate (HKD)	Extra Cash Rebate (HKD) *(only applicable for New Clients and the loan tenor is 36 months or above)**
$50,000 - $199,999	$500	$1,000
$200,000 - $499,999	$2,000
$500,000 - $1,499,999	$3,000
$1,500,000 or above	$7,000

Monthly Flat Rate as low as 0.2%^
Saved Interest up to 95% , monthly repayment 12%
0% Handling fee
Loan amount up to 18X salary or HKD 2,000,000 (whichever is lower)
Loan tenor up to 84 months
Extra stand-by cash of up to 14X salary
Interest Saving-Pay off high-interest debts such as credit card outstanding to reduce your total interest expense
Online Service Pledge-Application submitted before noon will be followed up within the same business day

^The Monthly Flat Rate shown above is for reference only. The actual monthly flat rate will be subject to the Bank’s approval on a case-by-case basis. The Annualised Percentage Rate (“APR”) is 4.67% (based on the loan amount of HKD200,000 or above with tenor of 36-month and the actual Monthly Flat Rate). For client who has applied for tenor 48-month with loan amount of HKD200,000, will be subject to a monthly flat rate of 0.2200% and the corresponding APR is 5.13%. For client who has applied for tenor 72-month with loan amount of HKD700,000, will be subject to a monthly flat rate of 0.2540% and the corresponding APR is 5.85%. 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. This APR does not include cash rebate. The preferential interest rates and rate table only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application. 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.

*New Clients are applicants who are not holding any loans and/or credit cards issued by the Bank at the time of this application

Terms and conditions apply. For details, please refer to Standard Chartered official website.

To borrow or not to borrow? Borrow only if you can repay.