– Privilege online offer up to HK$3,000 Cash Rebate

– Extra HK$1,000 Cash Rebate for New Clients apply through online¹

– Up to 2 months interest-free repayment deferral²

– Annualized Percentage Rate as low as 1.75%³

– Maximum loan amount of up to 18 monthly salary or HK$2,000,000 (whichever is lower)

– Loan tenor up to 60 months

– 0% Handling fee

– Online Service Pledge-Application submitted before noon will be followed up within the same business day

– 7-Days Cooling-off Period

– Early redemption fees and changes waiver

1. New Clients are applicants who are not holding any loans and/or credit cards issued by the Bank at the time of this application. Only applicable to the loan amount of HK$50,000 or above and loan tenor of 36 months or above. Terms and conditions apply.
2. Clients are to be bound by Terms and conditions for up to 2 months interest-free repayment deferral program. Up to 2 months interest-free repayment deferral program is not being taken into account the Bank’s promotional interest rates. Up to 2 months interest-free repayment deferral program is applicable via online, branch, Corporate Partnership channels and call in to our application hotline.
3. The Annualised Percentage Rate is 1.75% (for clients with loan amount of HK$200,000 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 rate is 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.
4. The Monthly Flat Rate shown above was for reference only.
5. The above Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable). This APR does not include cash rebate.
6. Information is for reference. Terms and Conditions apply. Please visit Standard Chartered Bank’s website for details.

• Infinite A.I. seamless, fully-online experience from quotation, approval and cash delivery
• HK$150,000 or below, Income Proof & Address Proof waiver^, simplified application
• Tailor-made quotation, accurate approval
• Automated instant approval^ upon confirmation, immediate cash delivery*
• ^The customer must fulfil specific credit requirements to be eligible
• *The loan will be transferred via Faster Payment System (FPS) after the loan agreement is signed and the loan is approved. Actual transfer time is subject to each individual bank’s transfer service hours.
• The interest rate, handling fee and repayment details are for reference only. Final approval is subject to the final submission of information and the credit record of the applicant
• WELEND LIMITED reserves its absolute rights on the final loan decision and on any disputes
• Warning: You have to repay your loans. Don’t pay any intermediaries.
• Money Lender’s License: 1093/2020

Faster Borrowing at a Bank Rate

At Airstar Bank, it’s all about technology and services. We know what speed and interest rate mean to you, and that is why we disrupt traditional loan processing through technology and bring you a Stellar APR as low as 1.85%¹ plus exclusively 60 days interest and repayment free holiday² with no income proof and address proof required³. The entire process from loan application to disbursement is shorten to the fastest 5 minutes³ which ultimately brings you beyond-bank efficiency and flexibility. Invite your friends to experience the extraordinary efficiency of a 5-min fintech loan, you both will be rewarded with a cash incentive respectively⁴ !

• 60 days Interest and Repayment Free² 
• 24 x 7 from loan application to disbursement as fast as 5 minutes³
• No income proof and address proof required by applying big data analysis³
• Stellar APR as low as 1.85%¹ 
• Total loan amount up to 12 times of monthly salary⁵
• No handling fee and administrationfee for loan application, no handlingfee for early repayment⁶

Remarks:

1. 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. Approval of the APR is subject to the final decision of the Bank. The APR ranges from 1.85% to 28.14% with repayment period of 12 to 60 months. For a loan amount of HKD250,000 with 36 months repayment period, the APR is 1.85%, and the total loan repayment amount is HKD256,922.55 (handling fee waived). The above example is for reference only, please refer to terms and conditions for details

2. From 22 November 2020 to 15 February 2021, eligible customer draw downs a Personal Loan with a loan amount not more than HKD200,000, the customer is not required to make repayment in the first 60 days after drawdown. If eligible customer early settles 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 principle.

   Example: Draw down on 16 November 2020, first due date will be on 17 January 2021; Draw down on 31 January 2021, first due date will be on 1 April 2021. For more details, please refer to “60 days Interest and Repayment Free Promotion Terms and Conditions”.

3. According to individual circumstances, the Bank reserves the right to request customers to provide additional supporting documents for approval. The approval time required is subject to real situation.

4. From now till 31 December 2020, by inviting your friends to apply and successfully drawdown a loan with a minimum of HKD50,000 and 12 instalments or above, both referrer and referee will be entitled to HKD100 cash reward respectively. For more details, please refer to “Member-Get-Member Promotion Offer Terms and Conditions (Personal Loan)”.

5. Loan amount up to 12x of monthly salary or HKD1,000,000 (whichever is lower).

6. For details and the interest of early repayment please refer to “Airstar Personal Instalment Loan Key Facts Statement“

7. The Bank reserves the right of final approval.

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

Airstar Personal Instalment Loan Promotion Offer
(Apply via mReferral Corporation (HK) Limited (“mReferral Corporation”))

Terms and Conditions (“Terms and Conditions”)

(Revised [29 December 2020])

Enjoy HKD 200 cash reward once application submitted (“Offer 1”)

1. The promotion period is from 19 November 2020 to 31 March 2021, both dates inclusive (“Offer 1 Promotion Period”). The promotion offer is only eligible to customers apply via mReferral Corporation (the “Partner”).
2. To qualify for the reward, the loan applicant must register mobile number via Airstar Bank (“the Bank”)’s designated link (https://www.airstarbank.com) and apply the loan successfully via mobile application within 30 days of the registration (“Offer 1 Eligible Customers”).
3. By the time of registration via the Partner, Offer 1 Eligible Customers have not registered for any promotion offers from the Bank on any other loan referrer websites, and must not hold any loan account of the Bank or submitted any loan application to the Bank, and must not hold, have not cancelled or have not held any loan account of the Bank within the past 6 months prior to the time of loan application.
4. Offer 1 Eligible customers will receive HKD 200 cash reward (“$200 Cash Reward”) after successful loan application.
5. If the Offer 1 Eligible Customer register on or before 31 December 2020, $200 Cash Reward will be credited to the Offer 1 Eligible Customer’s HKD savings accounts within 3 months after the day of successful loan application. If the Offer 1 Eligible Customer register from or after 1 January 2021, the $200 Cash Reward will be credited to the Offer 1 Eligible Customer’s HKD savings accounts within 90 days upon successful loan application.
6. Offer 1 Eligible customers’ HKD savings accounts in the Bank must be valid and in good standing upon $200 Cash Reward disbursement.

Get HKD 400 Loan Coupon upon registration (“Offer 2”)

1. The promotion period is from 19 November 2020 to 31 March 2021, both dates inclusive (“Offer 2 Promotion Period”).
2. By the time of registration via the Partner, eligible customer must not hold any loan account of the Bank or submitted any loan application to the Bank.
3. Loan coupon is only applicable to customers who has registered their mobile number via the Bank’s designated link (https://www.airstarbank.com) and drawdown the loan successfully with drawdown amount not less than HKD 50,000 and tenor not less than 12 months (“Offer 2 Eligible Customers”).
4. Loan coupon is valid for a minimum of 30 calendar days after registration, the expiry date is shown on the loan coupon.
5. The reward of loan coupon will be fulfilled by cash rebate. If the Offer 2 Eligible Customer register on or before 31 December 2020, the cash rebate will be credited to the Offer 2 Eligible Customer’s HKD savings accounts within 3 months after Offer 2 Eligible Customer drawdown the loan. If the Offer 2 Eligible Customer register from or after 1 January 2021, the cash rebate will be credited to the Offer 1 Eligible Customer’s HKD savings accounts within 90 days upon loan drawdown.
6. Offer 2 Eligible customers’ HKD savings accounts with the Bank must be valid and in good standing upon this Offer 2 cash rebate disbursement. In addition, eligible customers must not early settle the loan, or with any overdue record or in breach of Airstar Personal Instalment Loan Terms and Conditions, upon this Offer 2 cash rebate disbursement.
7. Only 1 Loan coupon can be used at within the entire loan period.

General Terms and Conditions applied to the offers above

1. Offer 1 and Offer 2 cannot be used in conjunction.
2. In case there is any suspicious abuse, misuse or fraud, the Bank reserves the absolute right to forfeit the Eligible Customers’ entitlement to the above offers without prior notice and providing any reasons.
3. The Bank reserves the right to vary, extend or terminate the above offers and to amend any of the Terms and Conditions from time to time without prior notice. In case of any disputes, the decision of the Bank shall be final and binding.
4. This Terms and Conditions is governed by and construed in accordance with the laws of Hong Kong and the parties agree to submit to the exclusive jurisdiction of the Hong Kong courts. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and any details of the promotional offers, the English version shall prevail.

・Privileged customers exclusively enjoy fixed annualized percentage rate 8.50%
・Other customers can enjoy fixed personalized interest rate
・Loan amount up to 21 times of monthly salary or HK$1,000,000 (whichever is lower)
・Cash amount up to 10 times of monthly salary can be directly credited to your designated bank account
・Tenor options of 12, 18, 24, 36, 48, 60 and 72 months*

– To enjoy the personalized interest rate and/or other privileges, customers must submit the application of the loan and successfully drawdown on or before 30 April 2021.
– Privileged customers include Civil Servants, staff of Hospital Authority, property owner, existing Bank customers, staff of banking and financial industries and designated professionals (including doctors, dentists, pharmacists, accountants, lawyers, actuaries and full-time teachers) with designated credit quality defined by Fubon Bank (Hong Kong) Limited (the “Bank”) and drawdown amount of HK$200,000 or above. The Bank reserves the right to interpret the definition of designated credit quality and Professionals and obtain documentary proof of occupation and qualification and/or other related application documents or information from the customer when necessary.
– Monthly flat rates for fixed APR 8.5% are 0.3740% (12-month tenor), 0.3670% (18-month tenor), 0.3647% (24-month tenor), 0.3646% (36-month tenor), 0.3669% (48-month tenor), 0.3700% (60-month tenor) and 0.3735% (72-month tenor) respectively. Moreover, personalized interest rate offered is determined based on customers’ credit quality and the personal information submitted and could be as low as monthly flat rate 0.252% (APR 5.68% for 12-month tenor). APR, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate of the loan.
– The interest rates and repayment amounts are for reference only.
* If customer inputs a tenor option which is not offered by the Bank, the above monthly flat rate and APR will be determined according to the nearest tenor option available by the Bank. The total repayment and monthly repayment amounts will also be calculated according to the monthly flat rate of the respective tenor option offered by the Bank.

Terms and conditions apply. For details, please visit Fubon Bank website.

More about this provider:

Fubon Bank (Hong Kong) introduces Fubon Balance Transfer Personal Loan to customers to help you clear card debts easily at a lower interest rate, reducing your monthly repayment and saving interest. Application is simple, click “Apply Now” to visit our website to know more and fill in the details to follow up so that we can follow up with you.

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

(繁) K Cash貸款額高達月薪30倍或港幣300萬 (以較低者為準)

(繁) K Cash 貸款計劃還款期長達72個月

(繁) 年利率低至3.8%

(繁) 貸款實際所需時間及最高貸款額需視乎物業種類及情況而定，年利率低至3.8%。本公司保留隨時終止貸款之權利及貸款之最終批核權。