Personal Loan Comparison

Zero Finance Debt Consolidation: Enjoy up to HK$500 welcome offer 

Promotion Code: DMR500 
Promotion Period: From 01 September 2023 to 31 December 2023

Promotion Detail:

• Both new and existing customers applying for the Zero Finance Debt Consolidation Plan for the first time, by entering the specified promotional code during the application process, and successfully disbursed loan amounts of HKD 150,000 or above, the eligible customer can enjoy a $200 supermarket voucher; while for disbursed loan amounts of HKD 500,000 or above, the eligible customer can enjoy a $500 supermarket voucher.
• Both new and existing customers who apply and successfully disburse the dedicated loan amount during the promotional period of this campaign and maintain a repayment period of 12 months or above are eligible to have the reward.

Debt Consolidation Loan Terms and Conditions

1. By requesting the Debt Consolidation Loan, I shall be deemed to have read, understood, and accepted these Terms and Conditions. Zero Finance reserves the right to change these terms and conditions and the amount of interest rates, charges, and other charges related to the loan from time to time.
2. The information I provide is and will remain true and accurate. If there is any change in my personal information including name, residential and mailing address, mobile number(s), email address, or employment, I will update Zero as soon as reasonably practicable.
3. Approval of the Loan and the terms applicable to the Loan (including amount, tenor and interest rate) shall be at the sole discretion of Zero Finance and is conditional upon fulfillment of the following conditions to Zero Finance’s satisfaction:
   1. provide all documentary proof required by Zero which Zero may independently verify;
   2. a satisfactory review of my credit profile available at the credit reference agency;
4. Zero Finance has the right to specify the terms and conditions of the Loan, including the portion of the approved loan amount to be used for settling the total or part of the outstanding balance of credit card(s) or personal loan(s) owed by me. I undertake that upon the approval and drawdown of the loan:
   1. Use the loan amount to settle the total or part of the outstanding balance of credit card(s) or personal loan(s) owed by me
   2. Upon the request of Zero Finance, provide the repayment/settlement proof(s) and/or termination record(s) (For example, repayment, account settlement, or credit limit reduction record(s))
5. No handling fee will be charged in connection with the processing of the Loan.
6. On each Monthly Repayment Date, I agree to pay the Monthly Repayment Amount. If a Repayment Date falls on a day where there is no numerically corresponding day in that calendar month, the last day of that month shall become that Repayment Date.
7. For each month I fail to pay any monthly repayment amount in full when due, interest will be charged according to the terms in the loan contract.
8. Zero Finance reserves the right to amend these Terms and Conditions at any time without prior notice.
9. Zero Finance may take such steps and actions as it reasonably thinks fit to enforce repayment of the Loan and interest thereon and these Terms and Conditions including without limitation, employing lawyers and third-party debt collection agents to collect any sums I owe Zero. I shall indemnify Zero Finance on demand for all reasonably incurred costs and expenses incurred by Zero in respect of any such enforcement steps and actions. I also agree and authorise Zero Finance to disclose relevant information to such persons for these purposes.
10. No failure, act, omission, or delay by Zero Finance to exercise or enforce any right shall operate as a waiver of such right, nor will any single, partial, or defective exercise of any right prevent any other or further exercise of it or the exercise of any other right.
11. A person who is not a party to these Terms and Conditions may not enforce any of their terms under the Contracts (Rights of Third Parties) Ordinance (Cap 623 of the Laws of Hong Kong)
12. Both new and existing customers are defined as those who have not held any debt consolidation loan with Zero Finance within 12 months before the date of application. 
13. The eligible customers must confirm the contract within 14 days of application in order to enjoy the rewards of this campaign. The rewards (“supermarket vouchers”) will be issued to eligible customers during the loan contract is signed. To enjoy the promotion, the dedicated promotion code must be entered during the loan application process, and no subsequent supplements or changes will be accepted.
14. The vouchers are subject to the terms and conditions. Please refer to the details with the relevant company.
15. Customer will only be entitled to this offer once during the promotion period. The quantity of the reward is limited, first come first served, while stocks last. 
16. The offer is neither transferable, cancellable nor returnable. The Company reserves the right to replace the voucher with another of equal value without prior notice. The Company is not the supplier of the voucher and is not responsible for the voucher. The supplier is solely responsible for any liability in relation to the voucher. If you have any queries, comments or complaints regarding the voucher, please contact the supplier directly.
17. The company reserves the right to verify the customer’s 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.
18. All the personal information collected will follow the personal data privacy policies of the company.
19. The company will not accept any liability for any problems due to computer, network, telephone, and other technical issues that cause the customer to delay or miss submitting an application. The customers cannot take any legal action or investigation against the company.
20. 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.
21. By participating in the offer, each customer agrees to be bound by these terms and conditions. The company reserves the right to disqualify the eligibility of customers, withdraw the offer, and proceed with legal action if any breach of terms and conditions.
22. If there is any inconsistency or ambiguity between the English version and the Chinese version, the Chinese version shall prevail. In case of any dispute, the company reserves the right of final decision.

Money lender's license: 1100/2023

• New Customer who successfully applied and drawdown the loan to enjoy up to HK$8,000 rewards
• [mReferral Exclusive Offer] Enjoy the extra HK$500 cash rebate
• APR as low as 1.88%
• Maximum loan amount can be as high as HK$2,000,000 or twenty times of monthly salary
• Long repayment tenor as long as 60 months
• Successfully draw down and receive free Dyson Supersonic™ hair dryer HD15 or redeem other products* at exclusive redemption price!

*Please read “Decoration Loan Premium Gift Offer” Terms and Conditions.

Notes regarding the Decoration Loan: 

1. Annualized percentage rate("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. The APR ranged from 1.88% to 36% generally and the minimum repayment period and maximum repayment period is of 6 months to 60 months. 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. The APR has been corrected to 2 decimal places. If the loan amount is $1,500,000, the monthly flat rate for 12 months is 0%, if the loan is approved finally by the Company, the APR for 12 months is 1.88%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,500,000. The loan handling fee is to be paid in full upon loan drawdown. The interest rate is calculated based on 365 days per year. Example is for reference only. The APR may differ with different loan amounts and tenors. For details, please contact our staff.
2. The promotion period of “Decoration Loan Premium Gift Offer” (“Promotion”) is from 25 August 2023 to 30 November 2023 (both dates inclusive) (“Promotion Period”).
3. The promotion period of the “Decoration Loan: Up to HKD8,000 Cash Rebate promotion” (“Promotion”) is from 1 September 2023 to 30 November 2023, both dates inclusive (“Promotion Period”).

The above loan product and offer are bound by the applicable terms and conditions.  Please contact the staff of the Company for details.

OCBC Credit (Hong Kong) Limited (“Company”) is the wholly-owned subsidiary of OCBC Bank (Hong Kong) Limited. The Company is the entity which processes the application of the Decoration Loan and provides the loan and related services. Customers can submit applications through the branches of the Company and OCBC Bank (Hong Kong) Limited. To enquire about the relevant terms and conditions, please contact the staff of the Company.

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

• New Customer who successfully applied and drawdown the loan via Online to enjoy up to HK$6,500 rewards
• [mReferral Exclusive Offer] Enjoy the extra HK$500 cash rebate
• APR as low as 1.88%
• Maximum loan amount can be as high as HK$2,000,000 or 20 times of monthly salary
• Long repayment tenor as long as 60 months

Notes regarding the Personal Loan:

1. Annualized percentage rate("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. The APR ranged from 1.88% to 36% generally and the minimum repayment period and maximum repayment period is of 6 months to 60 months. The APR ranged from 1.88% to 36% generally and the minimum repayment period and maximum repayment period is of 6 months to 60 months. 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. The APR has been corrected to 2 decimal places. If the loan amount is $1,500,000, the monthly flat rate for 12 months is 0%, if the loan is approved finally by the Company, the APR for 12 months is 1.88%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,500,000. The loan handling fee is to be paid in full upon loan drawdown. The interest rate is calculated based on 365 days per year. Example is for reference only. The APR may differ with different loan amounts and tenors. For details, please contact our staff.
2. The promotion period of the "Up to HKD6,000 Cash Rebate promotion" and “Apple Store Gift Card Offer” (“Promotion”) is from 1 September 2023 to 30 November 2023, both dates inclusive (“Promotion Period”).
3. It comprises the total sum of up to HK$6,000 Cash Rebate and $500 Apple Store Gift Card under the Promotion.

The above loan product and offer are bound by the applicable terms and conditions.  Please contact the staff of the Company for details.

OCBC Credit (Hong Kong) Limited (“Company”) is the wholly-owned subsidiary of OCBC Bank (Hong Kong) Limited. The Company is the entity which processes the application of the Personal Loan and provides the loan and related services. Customer can submit application through the branches of the Company and OCBC Bank (Hong Kong) Limited . To enquire the relevant terms and conditions, please contact the staff of the Company.

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

Citi Speedy Cash

Same-day approval, cash can be received on the same day, no handling fee and cash coupon rebate up to $8,000.
Details: https://www1.citibank.com.hk/english/loans/personal-loans/speedy-cash

• 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%), and the total loan repayment amount is HK$1,514,400 (including full handling fee waiver). The above example is for reference only.

Remarks:

a. 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. 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. Exclusive for selected application channels.
b. Loan amount of Citi Speedy Cash is up to 12x times of your monthly salary or HK$3,500,000, whichever is lower.
c. Repayment period of Citi Speedy Cash is of 6 to 60 months.
d. Application hotline service hours: Monday to Sunday 9:30am – 6:30pm (not applicable to Hong Kong public holiday).

Terms and Conditions of Welcome Offer (“Offer”)
1. The Offer promotion period is from July 1, 2023 to September 30, 2023, both dates inclusive (“Promotion Period”).
2. Customers who successfully apply for Citi Speedy Cash Loan or Citi Card Debt Consolidation Loan within the Promotion Period and drawn down on or before October 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.

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 with the Bank, Citigold Client should maintain the account balance at HK$1,500,000 or above with the Bank and Citi ULTIMA cardholder needs to hold the Citi ULTIMA issued by the Bank.
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 December 31, 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 Speedy Cash and Citi Card Debt Consolidation Loan are the products of Citibank Personal Loan and are subject to the “Terms and Conditions for Citibank Personal Loan”.
11. The Offer is not applicable for staff who employed under Citibank (Hong Kong) Limited (CHKL) and Citigroup.
12. The Bank reserves the right to amend these terms and conditions at any time without prior notice.
13. In case of dispute, the decision of The Bank shall be final and conclusive.
14. 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.

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

Airstar Bank Debt Consolidation Loan 

• Advise the best settlement plan by intelligent analysis
• Save you unnecessary expenses with total interest expenses saving up to 91% ²
• Ease your burden by saving repayment amount per instalment up to HK$6,000 ²
• No handling fee for early repayment, administration fee for loan application⁴
• Total loan amount up to 21 times of monthly salary, you can also choose to cash out part of the loan amount up to 12 times of monthly salary³

【mReferral Exclusive Offer 1】HK$2,000 Travel Voucher

• The promotion period is from 1 Jul 2023 till 30 Sep 2023, both days inclusive ("Promotion Period").
• New customers who have successfully opened bank account with Airstar Bank and submitted the loan application via mReferral, with a drawdown amount of HK$100,000 or above within 30 calendar days from the date of registration of loan coupon can earn up to HK$2,000 Loan Coupon.
• Applicants who have to fill in the Travel Coupon Registration form below after successful application to enjoy mReferral Exclusive Offer.

mReferral X Airstar Bank HK$2,000 Travel Voucher Registration Form

• Terms and Conditions apply.

【mReferral Exclusive Offer 2 HK$400 Loan Coupon】

• The promotion period is from 1 Jul 2023 till 30 Sep 2023, both days inclusive ("Promotion Period")
• New customers who have successfully opened bank account with Airstar Bank and submitted the loan application via mReferral, with a drawdown amount of HK$50,000 or above and repayment tenor of 12 months or above within 30 calendar days from the date of registration of loan coupon can earn up to HK$400 Loan Coupon
• Terms and Conditions apply.

【Airstar Bank Welcome Offer 1】Up to HK$16,800 Cash Rebate

• Terms and conditions apply.

【Airstar Bank Welcome Offer 3】Get HK$ 400 cash reward upon loan drawdown - Member-Get-Member Promotion Offer

• The promotion period is from 1 Jul 2023 till 30 Sep 2023, both days inclusive ("Promotion Period").
• To qualify for the reward, the existing Airstar Bank customer maintaining deposit account during Promotion Period (“Referrer”) must refer an individual (“Referee”) via the Bank App to apply and drawdown the loan successfully within the Promotion Period with loan amount of minimum HK$50,000 and minimum repayment tenor of 12 months. 
• Referee must enter referrer’s invitation code when apply for the loan. Referrers cannot refer oneself to be Referees. Referrers and Referees cannot refer each other as new loan customers.
• Referrer will receive HK$ 400 cash reward (“Cash Reward”) after one (1) Referee has successfully applied and drawn down a loan within the Promotion Period.
• Referee will receive HK$ 400 Cash Reward after a successful loan application and drawdown within the Promotion Period.
• Cash Reward will be credited to the Referrer’s and Referee’s respective Airstar Bank accounts within 90 days upon loan drawdown.
• Referrers’ and Referees’ Hong Kong Dollar savings accounts in the Bank must be valid and in good standing upon Cash Reward disbursement in order to enjoy the Cash Reward.
• Terms and Conditions apply.

Remarks:

1. The promotion period is from now to 30 Sep 2023, both days inclusive. Applicant is entitled to up to HK$16,800 cash rebate upon successfully apply and draw down a Debt Consolidation Loan of HK$200,000 or above with 24 instalment or above within the Promotion Period and drawdown by 31 Oct 2023. For more details, please refer to Debt Consolidation Loan Promotion Offer Terms and Conditions.
2. Interest saving example is based on an assumption that the total outstanding amount is credit card outstanding balance HK$200,000, with an annual interest rate of 30%, and monthly minimum repayment of 5% of the outstanding balance or HK$50 (whichever is higher). The annualized percentage rate ("APR") is 34.49%. Monthly repayment amount is HK$8,952 and total interest expenses is HK$209,404. For Airstar Debt Consolidation Loan with assumption that annual interest rate 2.95% and repayment tenor of 72 instalments, APR is 2.99%. Repayment amount per instalment is HK$3,034 and total interest expenses is HK$18,467. The average repayment amount per instalment and total interest expenses of above examples are rounded to nearest dollar. The above examples are for reference only.
3. Loan amount of Debt Consolidation Loan up to 21 times of monthly salary or HK$2,000,000 (whichever is lower), including the extra cash amount up to 12 times of monthly salary. The cash amount will be transferred to your account and its use is not restricted to the repayment of the outstanding balance of any credit card or personal loans.
4. For details and the interest of early repayment please refer to Airstar Personal Instalment Loan Key Facts Statement.
5. Airstar Bank (the “Bank”) reserves the right of final approval.

Airstar Bank Debt Consolidation Loan
Period: 12-72 months
Max APR: 35.81%

Airstar Bank Personal Instalment Loan

• Stellar APR as low as 1.58%²
• 60 days interest and repayment free period⁴
• 24 x 7 from loan application to disbursement as fast as 5 minutes⁶
• No income proof and address proof are required by applying big data analysis⁶
• No handling fee for early repayment, administration fee for loan application²
• Loan amount up to 12x of monthly salary or HK$1,000,000 (whichever is lower)

【mReferral Exclusive Offer HK$400 Loan Coupon】

• The promotion period is from 1 Jul 2023 till 30 Sep 2023, both days inclusive ("Promotion Period").
• New customers who have successfully opened bank account with Airstar Bank and submitted the loan application via mReferral, with a drawdown amount of HK$50,000 or above and repayment tenor of 12 months or above within 30 calendar days from the date of registration of loan coupon can earn up to HK$400 Loan Coupon.
• Terms and Conditions apply.

【Airstar Bank Welcome Offer 1】60 days Interest and Repayment Free Promotion

• The promotion period is from 20 May 2023 to 30 Jun 2023, both days inclusive ("Promotion Period").
• Applicants must successfully submit the loan application via Airstar Bank mobile app, draw down the loan, and enrol for "60 Days Interest and Repayment Free Promotion" on "Final Approval Result" page during the Promotion Period in order to enjoy the promotion offer ("Eligible Customer").
• If the Eligible Customer draws down a Personal Loan with a loan amount not more than HK$50,000 during the Promotion Period, the first due date of the loan will be extended to 2 calendar months since the loan drawdown date which the customer is not required to make repayment in the first 60 days after drawdown (“Repayment Free Offer”). Example: If the Eligible Customer draws down the loan on 1 March 2023, the first due date of the loan will be on 2 May 2023; If the Eligible Customer draws down the loan on 31 March 2023, the first due date of the loan will be on 1 June 2023.
• Terms and Conditions apply.

【Airstar Bank Welcome Offer 2】Get HK$ 400 cash reward upon loan drawdown - Member-Get-Member Promotion Offer

• The promotion period is from 1 Jul 2023 till 30 Sep 2023, both days inclusive ("Promotion Period").
• To qualify for the reward, the existing Airstar Bank customer maintaining deposit account during Promotion Period (“Referrer”) must refer an individual (“Referee”) via the Bank App to apply and draw down the loan successfully within the Promotion Period with loan amount of minimum HK$50,000 and minimum repayment tenor of 12 months. 
• Referee must enter referrer’s invitation code when apply for the loan. Referrers cannot refer oneself to be Referees. Referrers and Referees cannot refer each other as new loan customers.
• Referrer will receive HK$400 cash reward (“Cash Reward”) after one (1) Referee has successfully applied and drawn down a loan within the Promotion Period.
• Referee will receive HK$400 Cash Reward after a successful loan application and draw down within the Promotion Period.
• Cash Reward will be credited to the Referrer’s and Referee’s respective Airstar Bank accounts within 90 days upon loan drawdown.
• Referrers’ and Referees’ Hong Kong Dollar savings accounts in the Bank must be valid and in good standing upon Cash Reward disbursement in order to enjoy the Cash Reward.
• Terms and Conditions apply.

Remarks:

1. According to different circumstances, Airstar Bank (the “Bank”) reserves the right to request customers to provide additional supporting documents for approval. The approval time required is subject to actual situation.
2. Annualized Percentage Rate ("APR") is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up or down to the nearest two decimal places. APR is a reference rate which includes the basic interest rate and other fees and charges (if applicable) expressed as an annualized rate. The APR ranges from 1.58% to 35.81% with repayment period of 6 to 60 months. The example below is for illustrative purpose only. For a loan amount of HK$800,000 with 12 months repayment period with the APR being 1.58%, the total loan repayment amount is HK$806,819.66 (handling fee waived). Please refer to Airstar Personal Instalment Loan Terms and Conditions for details. This example and the resulting calculations do not constitute a quote or offer from the Bank and is not binding on the Bank. Approval of the APR is subject to the final decision of the Bank.
   The offer is subject to liimited quota. In case of any dispute, the Bank reserves the right of final decision. The Bank reserves the right to change details (including terms and conditions) under the "Personal Instalment Loan" or to suspend or terminate the "Personal Instalment Loan" at any time in its absolute discretion without prior notice.
3. Loan amount up to 12x of monthly salary or HK$1,000,000 (whichever is lower).
4. From now till 30 Sep 2023 (both days inclusive), eligible customers (meaning those who have (1) successfully applied for and drawn down a Personal Loan with loan amount not exceeding HK$50,000 and (2) enrolled for "60 Days Interest and Repayment Free Promotion" on "Final Approval Result" page) are not required to make repayment of the loan in the first 60 days after loan drawdown. If eligible customers early settle the entire loan before the first due date, the customer is not required to pay any interest and can settle the entire loan by only repaying the loan principal. Example: If the Eligible Customer draws down the loan on 1 March 2023, the first due date of the loan will be on 2 May 2023; If the Eligible Customer draws down the loan on 31 March 2023, the first due date of the loan will be on 1 June 2023. For more details, please refer to 60 days Interest and Repayment Free Promotion Terms and Conditions.
5. From now till 30 Sep 2023 (both days inclusive), by inviting your friends to apply and successfully draw down a loan with a minimum amount of HK$50,000 and twelve instalments or above, both referrer and referee will be entitled to HK$400 cash reward respectively. For more details, please refer to Member-Get-Member Promotion Offer Terms and Conditions (Personal Loan).
6. According to different circumstances, the Bank reserves the right to request customers to provide additional supporting documents for approval. The approval time required is subject to actual situation.
7. For details and the interest of early repayment please refer to Airstar Personal Instalment Loan Key Facts Statement.
8. The Bank reserves the right of final approval.

Airstar Bank Personal Instalment Loan
Period: 6-60 months
Max APR: 35.81%

【limited-time offer】 WeLend Exclusive Offer for Tenants, Up to $12,300 Reward 

• Pay the full year rent in advance and save up to 8% on rental fee^
• The promotion is valid from March 1, 2023, to Sep 30, 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:

• *Terms and Conditions apply. Please visit Welend.hk for more T&C.
• ^ Assuming the original rent is $18,000 monthly and $252,200 yearly, for annual rent prepaid tenants, 10% discount is offered and annual rental fee will be $226,800 (including two months’ rental deposit).Taking tenor of 12 months and the Annualised Percentage Rates ("APR) is as low as 2.8% and thus total repayment amount is $230,000, $20,000 less than paying for the rent on a monthly basis for 12 months, which is around 8% discount when comparing with the actual original rental expenses. 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 WeLend Limited and WeLend Limited does not undertake any obligation, responsibility or liability.

WELEND LIMITED Money Lender's License: 0958/2023

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

Customer Service/ Complaint Hotline： 3590 6396
 

"NO SHOW" Personal Loan

【UA30 Smartphone Giveaway^{^}】From now until Nov 8, 2023, the first new customer¹ of the day who successfully applies for a Personal Instalment Loan and reaches a loan amount of HK$100,000, and drawdown and repay the loans within designated period*** will be entitled to win the latest smartphone (Marketing Price: HK$9,399) !

• From now until Dec 31, 2023, new and existing customers² enjoy Cash Reward^^ up to HK$18,000 upon successful loan application and drawdown!
• Just a call and cash will be ready. No documents required^#
• Instant 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 fulfill the respective credit requirements by the Company. Otherwise, customer might be required to come to the branches in person to provide relevant document.

*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.

^《UA30 Smartphone Giveaway》is subject to terms and conditions. For details, please click here.

^^ Limited time Cash reward offer is subject to terms and conditions. For details, please click here.

** As of May 2023, UA’s cash reward is the highest among the major financial companies in Hong Kong.

*** Repaid the 1st, 2nd, 3rd & 4th loan instalment on time.

¹ New customers refer to the customers who have not any loan transaction with the Company. 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.

²New and existing customers refer to the customers who have not any loan transaction with the United Asia Finance Limited in the past 24 months from the date of application, excluding e-Cash Revolving Loan Account opened within the Promotion Period.

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.: 0931/2023

UA "NO SHOW" Personal Loan
Period: 3-60 months
Max APR: 36%

Civil Servants and Professionals Express Loan

【UA30 Smartphone Giveaway^{^}】From now until Nov 8, 2023, the first new customer¹ of the day who successfully applies for a Personal Instalment Loan and reaches a loan amount of HK$100,000, and drawdown and repay the loans within designated period*** will be entitled to win the latest smartphone (Marketing Price: HK$9,399) !

• From now until Dec 31, 2023, new and existing customers² enjoy Cash Reward^^ up to HK$18,000 upon successful loan application and drawdown!
• APR as low as 1.38% with flexible repayment terms: 6 - 60 months
• Apply online anytime anywhere, no face-to-face contact is required
• Instant cash transfer by FPS*

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 (9:00am-5:30pm) and except Sunday and public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

^《UA30 Smartphone Giveaway》is subject to terms and conditions. For details, please click here.

^^ Limited time Cash reward offer is subject to terms and conditions. For details, please click here.

** As of May 2023, UA’s cash reward is the highest among the major financial companies in Hong Kong.

***Repaid the 1st, 2nd, 3rd & 4th loan instalment on time.

¹ New customers refer to the customers who have not any loan transaction with the Company. 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.

²New and existing customers refer to the customers who have not any loan transaction with the United Asia Finance Limited in the past 24 months from the date of application, excluding e-Cash Revolving Loan Account opened within the Promotion Period.

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.: 0931/2023

UA Civil Servants and Professionals Express Loan

Period: 3 months - 60 months 

Max APR: 36%

• [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
• [Low interest rates] Repayment terms up to 72 months
• [Special Offer] From 1 June 2023 to 30 September 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.: 759/2023

PrimeCredit Fixed Instalment Loan

Period: 6-72 months

Max APR: 48%

• [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 June 2023 to 30 September 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.: 759/2023

PrimeCredit Balance Transfer Loan
Period: 6-72 months
Max APR: 48%

• [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 June 2023 to 30 September 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.: 759/2023

PrimeCredit Property Owner's Personal Loan
Period: 12-84 months
Max APR: 48%
 

【Extra Welcome Offer】X Wallet New Customers Enjoy WeChat Pay HK E-cash Voucher & HK$1,000 Cash Rebate

Promotion Code: MR1100
Promotion Period: From 12 September 2023 to 31 December 2023

Download Now

Promotion Detail:

(1)    Eligible new customers who successfully apply for X Wallet Express Loan (“X Wallet loan”) for the first time, entering the promotion code “MR1100” during the application process, regardless of whether the application is approved or not, he/she can obtain WeChat Pay E-cash Voucher (Valued HKD 100).

(2)    Eligible new customers who successfully apply for X Wallet Loan (for the first time with an approved loan amount of HK$20,000 or above, will be entitled to HK$1,000 cash rebates (“cash rebate”):

The loan account must be in normal and active status (overdue, write-off, and frozen are all regarded as abnormal accounts), and the daily loan balance needs to maintain 50% or above within 90 days upon loan contract confirmation day to entitle HK$1,000 cash rebate.

(3)    Examples of cash rebates:
New customers who confirmed the loan contract on 1st September 2023
30th November 2023 will be the 90th day upon the loan contract confirmation day

• To enjoy the promotional offer, the above promotion code “MR1100” must be entered during the loan application, and no subsequent supplements or changes will be accepted.
• WeChat Pay HK E-cash Voucher will be issued by the end of month after the date of successful submission of the application. The promo code will be issued automatically to X Wallet and will have an in-app message to notify eligible customers about the completion of the rewards distribution.
• The HK$1,000 cash rebate will be automatically credited to the X Wallet "Referral and Rewards" wallet 90 days after the last day of the month in which the loan agreement is confirmed and will have an in-app message to notify eligible customers about the completion of the rewards distribution.
• To withdraw the rewards, customers can log in to X Wallet, click on "Bank Details" on the "Referral & Rewards" page, and fill in your Hong Kong bank account details. The rewards will be credited to the designated Hong Kong bank account in about two working days (public holidays or Saturdays and Sundays are not considered as working days).

TERMS AND CONDITIONS:

1. This promotional offer (the “Promotion”) is valid from 12 September 2023 to 31 December 2023, both dates inclusive (the “Promotion Period”).
2. Eligible new customers who successfully apply for X Wallet Personal Loan (X Wallet Loan) for the first time, regardless of whether the loan is successfully approved or not, are entitled to receive a $100 WeChat Pay HK E-cash Voucher. This offer is not applicable to new customers who have applied for X Wallet within the past 12 months (i.e. 12 September 2022 onwards) of this promotion.
3. The promotion is only applicable to new eligible customers who successfully apply and confirm the X Wallet loan contract for the first time during the promotion period, with a loan amount of HK$20,000 or more, where customers who do not have a loan account within 12 months from the date of confirmation of the loan contract.
4. “New customer” refers to those who have not held an X Wallet loan account in the past 12 months from the date of confirming the loan contract.
5. To enjoy the promotion, the promotion code "MR1100" must be entered during the loan application process, and no subsequent supplements or changes will be accepted.
6. Use of the WeChat Pay HK E-cash Voucher is subject to terms and conditions. For E-cash Voucher Terms and Conditions of the service, please refer to https://www.zerofinance.hk/en/wechat-pay-hl-tc/
7. New customers who successfully apply for X Wallet Express Loan for the first time with an approved loan amount of HK$20,000 or above, and the daily loan balance need to maintain 50% or above within 90 days upon loan contract confirmation day to entitle HK$1,000 cash rebate. Refer to the Promotion Details section with Examples as above.
8. 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.
9. Customer will only be entitled to this offer once during the promotion period. The offer cannot be used in conjunction with other promotional offers.
10. X Wallet will be deemed to have waived its liability when the coupon code rewards are credited to X Wallet's account. WeChat Pay HK E-cash Voucher rewards are available while stocks last.
11. The offer is neither transferable, cancellable nor returnable. The Company reserves the right to replace the E-cash Voucher with another of equal value without prior notice. The Company is not the supplier of the voucher and is not responsible for the voucher. The supplier is solely responsible for any liability in relation to the voucher. If you have any queries, comments, or complaints regarding the voucher, please contact the supplier directly.
12. The company reserves the right to verify the customer’s 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.
13. All the personal information collected will follow the personal data privacy policies of the company.
14. 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.
15. 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.
16. 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 if any actions breach the terms and conditions.
17. By participating in the offer, each customer agrees to be bound by these terms and conditions. The company reserves the right to disqualify the eligibility of customers and withdraw the offer, and to proceed with legal action, if any breach of terms and conditions.
18. If the customer closes, cancels, or settles his/her X Wallet loan account before the reward is issued, all rewards will be canceled immediately.
19. If there is any inconsistency or ambiguity between the English version and the Chinese version, the Chinese version shall prevail. In case of any dispute, the company reserves the right of final decision.

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 Promotion】Up to $12,000 Cash Rebate：

•The promotion is valid from Jul 4, 2022 to Sep 30, 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:

WELEND LIMITED Money Lender's License: 0958/2023

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

Customer Service/ Complaint Hotline： 3590 6396

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

•The promotion is valid from Jul 4, 2022 to Sep 30, 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:

WELEND LIMITED Money Lender's License: 0958/2023

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

Customer Service/ Complaint Hotline： 3590 6396

Enjoy our limited time Welcome Offer! Eligible New Customers who withdraw their loans from 1 July 2023 to 30 September 2023, will receive a cash reward of up to HK$10,000▲.

▲ Terms and Conditions of Welcome Offer :

1.Eligible New Customers are entitled to the corresponding reward after they have successfully drawn down the required loan amount in accordance with Terms & Conditions herein. Reward is shown below.

 2.Promotion Period is from 1 July 2023 to 30 September 2023 (both dates inclusive).

3.This welcome offer does not apply to New Customers whose annual interest rate as stated in their respective loan agreement is 4.4% (i.e. monthly flat rate of 0.2%) or below.

4.This Welcome Offer is only applicable to Eligible New Customers.

5.To entitle the reward, Eligible New Customers must fulfill the first and second installment payment according to the loan agreement.

6.If Eligible New Customers make any repayments/full repayment before the first and/or second installment due date(s), both of which have already been specified and scheduled in the loan agreement, his/her reward entitlement will hence be forfeited without prior notice.

7.In the event where Eligible New Customers revise the loan agreement before the first and/or second installment due date(s), both of which have already been specified and scheduled in the loan agreement, Promise (Hong Kong) Co., Ltd. is entitled to determine his/her reward entitlement at its full discretion.

8.Eligible New Customers are entitled to redeem the reward if there is no delay payment on his/her own account.

9.Eligible New Customers must redeem the reward from any one of our branches in person.

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

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

12.Promise (Hong Kong) Co., Ltd. reserves its right to approve any loan applications and / or reward redemption and is entitled to revise the above said Terms and Conditions as it sees fit without prior notice.

Introduce our service to your relatives/friends!

From 1 July 2023 to 30 September 2023, members are entitled to obtain a cash reward of HK$1,000 ■ if a relative/friend is referred to join us. And Referee can also enjoy the Welcome Offer (https://bit.ly/3rVHwVP).

■ Terms and Conditions of Promise Referral Program:

1.Referrer is entitled to the cash reward if loan amount $10,000 or above is successfully drawn down by the new customer.

2.Promotion Period is from 1 July 2023 to 30 September 2023 (both dates inclusive).

3.Referrer must be our existing member.

5.Referrer is entitled to redeem the cash reward if there is no delay payment on his/her own account.

6.Referrer must redeem the cash reward from any one of our branches in person.

7.Referrer must redeem the cash reward before the expiry date, 31 December 2023, otherwise it will be forfeited.

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

9.Promise (Hong Kong) Co., Ltd. reserves its right to approve any loan applications and / or reward redemption and is entitled to revise the above said Terms and Conditions as it sees fit 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

• Promotion period:  1 Aug 2023 - 31 Oct 2023
• Exclusive online offers – Up to HKD 8,000 Cash Rebate

• Annualized Percentage Rate as low as 1.85%^#
• Handling Fee 0%
• Loan amount up to 18X monthly salary or HKD 4,000,000 (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 1.85% (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

• Promotion period:  1 Aug 2023 - 31 Oct 2023
• Exclusive online offers – Up to HKD 8,000 Cash Rebate

• Monthly Flat Rate as low as 0.2%^
• Saved Interest up to 95% , monthly repayment 12%
• 0% Handling fee
• Loan amount up to 23X 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.