Personal Loan Comparison

BOC Express Cash Instalment Loan Balance Transfer

• Repayment period of up to 72 months
• Reduce Interest Expense Up to 92%^#
• Loan amount up to HK$2,000,000 or 21 times of your monthly salary (whichever is lower)
• Enjoy Extra Cash up to 12 times of the monthly salary 

e-Channels^ Cash Rebate Offer
From now until 30 June 2022, successful applicants fulfill the following criteria will be entitled up to HK$500 Cash Rebate.
- Successfully submit the application and document via designated e-channels-
- loan amount of HK$80,000 or above, with repaymenht tenor 24 months or above
- completed drawdown on or before 29 July 2022

Payroll Account Extra Reward:
Eligible Customers fulfilled all designated Payroll Account Extra Reward requirements can enjoy extra cash rebate up to HK$100.
 

^E-Channels including BOCHK website, Internet Banking, Mobile Banking, “BOCHK” WeChat official account or “BOC CC” WeChat official account. 

^#The above example is for reference only. The actual savings in total interest expense may vary on a case-by-case basis.

The APR of this promotion is from 4.93% - 31.41%.

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

Terms and conditions apply, click “Apply Now” for more details.

Flexi Loan

Click “Apply Now” to download the livi bank app and enter the invitation code【mref#2500】to apply for livi Flex Loan and drawdown successfully. You can enjoy up to $2,500 cash rebate during the period from now to 31 May 2022. New customers can enjoy HK$200 Account Opening Reward.

• Personalized interest rate, with APR as low as 1.08% (including HK$2,500 cash rebate)^# and zero handling fee
• Loan amounts from HK$10,000 up to HK$1,000,000
• In-App application leveraging data-driven technology to offer approvals in as fast as 2 minutes^
• Instant cash that goes straight into the liviSave account once approved
• After repayment, customers can reborrow multiple loans within their approved loan limit, anytime, without the need to re-apply ^@
• Fixed loan tenors between three and 60 months
• Scheduled repayments in instalments to ensure the loan is well managed
• Repayment schedules clearly presented in the livi App
• If customers want to repay early, they can and won’t be charged with a fee

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

Notes:

Terms and conditions apply.

^#APR of 1.39% is based on a HK$800,000 livi Flexi Loan with a 24-month repayment period. After deducting HK$2,500 cash rebate, the estimated daily interest is about HK$12.36 with as low as 1.08% APR

^The actual turnaround time may vary depending on the actual circumstances of individual applications.

@Any repaid principal amount can only be made available for re-borrowing after the relevant first instalment loan have been repaid for at least three months or the loan has been early settled.

*Customers may be asked to provide additional supporting documents for the loan application if needed. The actual time for loan approval and loan payout may vary depending on the information provided by the customer and are subject to the credit assessment result.

BOC Express Cash Instalment Loan

• APR as low as 1.68%^*
• Loan Amount Up to HK$4,000,000 or 18 times of monthly salary (whichever is lower)
• Simple Document Apply easily
• Repayment Period Up to 60 months

E-Channels^ Cash Rebate Offer

From now until 30 June 2022, successful applicants fulfill the following criteria will be entitled up to HK$2,000 Cash Rebate:

• Successfully submit the application via designated e-channels
• Loan amount of HK$80,000 or above, with repayment tenor 24 months or above
• Completed drawdown on or before 29 July 2022

Payroll Account Extra Reward: Eligible Customers fulfilled all designated Payroll Account Extra Reward requirements can enjoy extra reward up to HK$200.

*The quoted interest rate is calculated based on a loan amount of HK$3,000,000 with repayment tenor of 12 months and monthly flat rate of 0.0754%. The annualised percentage rate is 1.68%, without handling fee.

^E-Channels including BOCHK website, Internet Banking, Mobile Banking, “BOCHK” WeChat official account or “BOC CC” WeChat official account.

The APR of this promotion is from 1.68% - 30.90%. 

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

Terms and conditions apply, click “Apply Now” for more details.

• [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 May to 30 June 2022 (both dates inclusive), up to HK$10,000 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.: 754/2021

• [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 60 months
• Online application with instant approval result
• [Special Offer] From 1 May to 30 June 2022 (both dates inclusive), up to HK$10,000 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.: 754/2021

• [High Loan Amount] Property owner can enjoy higher loan amount than a personal loan, no matter for personal financial needs or to repay a large sum of credit card debts
• [No extra fee] No handling fee, no early settlement fee
• [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
• [Simplicity deed waiver] Property deeds are not required. The whole loan procedure from application, approval to disbursement is processed through branch
• [Extra long repayment period] Repayment terms up to 84 months

• [Low interest rates] Monthly flat rate as low as 0.1%, interest-saving

• [Express approval] Cash can be disbursed as fast as within 1 hour from confirmation of loan
• [Special Offer] From 1 May to 30 June 2022 (both dates inclusive), up to HK$10,000 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.: 754/2021

X Wallet New Customers Enjoy First 14 Days Interest Rebate

Promo Code: MAY22
Promotion Period: From 1 May 2022 to 30 June 2022

Promotion Detail
• New customer will receive First 14 Days Interest Rebate when he/she is successfully approved for the X Wallet Express Loan (X Wallet loan) and confirmed the loan contract for the first time. Within 40 days when the loan contract is confirmed, the account must remain in a normal and active state (overdue repayments, bad debts, etc. are all regarded as abnormal accounts) and cannot be settled to enjoy the offer.
• To enjoy the offer, customers must enter the promo code during the loan application process.
• The interest rebate amount for first 14 days will be calculated automatically by the system, the customer does not need to operate manually. The customer will be notified to get the reward within 40 days after the confirmation of the loan contract. The system will send a message to notify the customer that the rebate settlement has been completed. 
• Customer can login X Wallet and click the withdraw button on the “Referral & Rewards” Page to receive the rewards. The transfer will take about two working days (public holidays or Saturdays and Sundays are not regarded as working days), and the interest rebate will be credited in cash to your designated Hong Kong bank account.

Terms and Conditions 
1. This promotion is only applicable to X Wallet new customers who have successfully approved the X Wallet loan for the first time during the promotion period and confirmed the loan contract, or customers who do not have a surviving 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). Overdue applications will not be accepted.
3. Each customer can only enjoy this offer once during the promotion period.
4. The promo code must be entered during the loan application process, and no subsequent supplements or changes will be accepted.
5. The offer is not transferable, cancellable and returnable.
6. The company reserves the right to verify the customer's identity. Customer 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 customer or verify the customer's identity.
7. All the personal information collected will follow the personal data privacy policies of the company.
8. 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 customer cannot make any legal action or investigation to the company.
9. 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.
10. The company reserves the right to disqualify the eligibility of the customer and withdraw the rewards if the personal information provided is found to be fake or any actions breach of the terms and conditions.
11. 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.
12. 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 customer, and withdraw the offer and to proceed legal action, if any breach of terms and conditions.
13. If the customer closes, cancels or settle his/her X Wallet loan account before the reward is issued, all rewards will be cancelled immediately.

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

How long does it take for online application and approval?

• One-minute online application 
• Approval only takes 30 minutes, and the loan is having flexibility

Is there any fee for application?

• No handling fee, obtain 100% loan amount
• EasyLend will not charge any fees

How much can I borrow without income proof?

• Can be applied by employed persons, self-employed persons, college students, and housewives.

Will there be a penalty for early repayment? Any ways for repayment?

• There are no charges for early settlement. Daily calculation of interest to save your interest.
• Provide "bank auto transfer" repayment plan, which can easily repay on time and avoid paying extra handling fees

• The above loan amount, interest rate and repayment information are for reference only. The maximum loan amount is subject to change according to the latest credit policy. The final decision is based on the customer's application information and personal credit history.
• EasyLend Finance Company Limited reserves right of final decision on the approval of loans and any disputes.

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

Application and Complaint Hotline: 2520 2222

EasyLend Finance Company Limited

Money Lender's Licence Number : 0274/2022

【WeLend Promotion】Up to $8,000 Cash Rebate：

• The promotion is valid from May 7, 2022 to June 2, 2022, 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:

• 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: 0970/2021

【WeLend Promotion】Up to $8,000 Cash Rebate：

• The promotion is valid from May 7, 2022 to June 2, 2022, 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:

• 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: 0970/2021

【WeLend Promotion】Up to $8,000 Cash Rebate：

• The promotion is valid from May 7, 2022 to Jun 2, 2022, both dates inclusive.
• 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.
• Warning: You have to repay your loans. Don’t pay any intermediaries.

Money Lender’s License: 0970/2021

Standard Chartered Personal Instalment Loan

• Promotion period: 3 May – 3 Jul 2022
• Exclusive online offers – Up to HKD 7,000 Cash Rebate
• and extra HKD 1,000 Cash Rebate for New Client* and loan tenor is 36 months or above

• Annualized Percentage Rate as low as 1.65%^#
• Handling Fee 0%
• Loan amount up to 18X monthly salary or HKD 2,000,000 (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 1.65% (for clients with loan amount of HKD$1,000,000 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.

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

1. The Monthly Flat Rate shown above was for reference only.
2. 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.

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: 3 May - 3 Jul 2022
• Exclusive online offers- Up to HKD 7,000 cash rebate
• and extra HKD 1,000 Cash Rebate for New Client* and loan tenor is 36 months or above

• 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

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

1. The Monthly Flat Rate shown above was for reference only.
2. 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.

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.