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To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
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To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
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Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
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It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
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The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
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HSBC Personal Instalment Loan
  • Enjoy Up to $3,300 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 1.80%
  • Get approved and withdraw cash within just 1 minute

HSBC Personal Instalment Loan

1-minute approval1

APR as low as 1.80%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 7 September 2022 to 10 October 2022.

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 more than 24 months, you will be eligible for a HK$500 cash rebate for an approved Loan amount of HK$50,000 to less than HK$200,000, or a HK$1,000 cash rebate for an approved Loan amount of HK$200,000 to less than HK$300,000, or a HK$1,500 cash rebate for an approved Loan amount of HK$300,000 to less than HK$1,000,000, or a HK$3,000 cash rebate for an approved Loan amount of HK$1,000,000 or above; 

Approved Loan Amount

Repayment Period

Cash Rebate

HK$50,000 - 199,999

More than 24 Months

HK$500

HK$200,000 - 299,999

HK$1,000

HK$300,000 - 999,999

HK$1,500

HK$1,000,000 or above

HK$3,000

OR
(b) If you submit a Loan application and the Loan is approved during the promotional period with a repayment period of 24 months, you will be eligible for a HK$300 cash rebate for an approved Loan amount of HK$50,000 to less than HK$200,000, or a HK$500 cash rebate for an approved Loan amount of HK$200,000 to less than HK$300,000, or a HK$800 cash rebate for an approved Loan amount of HK$300,000 to less than HK$1,000,000, or a HK$1,500 cash rebate for an approved Loan amount of HK$1,000,000 or above.

Approved Loan Amount

Repayment Period

Cash Rebate

HK$50,000 - 199,999

24 Months

HK$500

HK$200,000 - 299,999

HK$1,000

HK$300,000 - 999,999

HK$1,500

HK$1,000,000 or above

HK$3,000

 

4. Document Submission Offer:

If you submit the supporting document(s) required by us for a Loan application and a Loan of HK$200,000 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 January 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 which commences on 7 Sep 2022 and ends on 10 Oct 2022, both dates inclusive (the "Promotional Period") with an approved loan amount of HKD1,500,000 or above. Based on a monthly flat rate of 0.08%, the Annualised Percentage Rate (APR) would be 1.80% 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. For your applicable interest rate, please call our hotline 2748 8080; log on to Online Banking or the HSBC HK App. The interest rate that will apply and the amount of interest that will be charged are calculated based on the approved Loan amount and the repayment period. If your Loan application cannot fulfil our credit requirement, the Bank may still process your application on a case-by-case basis, but the interest rate, handling fee, repayment period and/or promotional offer may be adjusted. The Bank will inform you on the finalised Loan details. If you accept the Loan details, we will credit the Loan into your repayment account according to normal procedure.

3Minimum redraw amount is HKD3,000 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.

$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
  • New and existing customers enjoy PlayStation 5™ or cash reward up to $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
  • Loan process completed 24x7 online with instant approval & transfer by FPS
  • 【Property Owner Exclusive】No property deed required, large loan amount up to $1,000,000 for flexible cash out (Tenor period: 3-60 months, APR: As high as 48%)

"NO SHOW" Personal Loan

  • UA Empower You with the highest cash reward or PlayStation 5™New and existing customers1 enjoy cash reward2 up to $18,000
  • Whole loan process completed 24x7 online with instant approval. Instant cash transfer by FPS including Sat & Sun*
  • Property Owner ExclusiveNo property deed required, large loan amount up to $1,000,000 for flexible cash out
  • Leave us your contacts and our representative will call you back at your convenience. Simple and easy!


Remarks:
+As of June 2022, UA’s cash reward is the highest among the major financial companies in Hong Kong.

*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, excluding e-Cash Revolving Loan Account opened within the Promotion Period.

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

United Asia Finance Limiited 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
  • New and existing customers enjoy PlayStation 5™ or cash reward up to $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%
  • Loan process completed 24x7 online with instant approval & transfer by FPS (Tenor period: 6-60 months, APR: As high as 48%)

Civil Servants and Professionals Express Loan

  • New and existing customers enjoy PlayStation 5™ or cash reward up to $18,000
  • Whole loan process completed 24x7 online with instant 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
  • Civil Servants and Professionals^ enjoy APR as low as 1.38% 

Remarks:

^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.
+As of June 2022, UA’s cash reward is the highest among the major financial companies in Hong Kong.
1New 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, excluding e-Cash Revolving Loan Account opened within the Promotion Period.
2Limited time offer is subject to terms and conditions. For details, please click here.
 

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.: 1299/2022

BOC Express Cash Instalment Loan Balance Transfer
  • Earn up to HK$10,500 cash rebate & Apply via mReferral to earn extra cash rebate $200
%
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 4.93%*
  • Earn up to HK$10,700 cash rebate

BOC Express Cash Instalment Loan Balance Transfer

Annualised Percentage Rate: as low as 4.93%*

Apply via designated e-Channels will be entitled up to HK$10,500 cash rebate.

From now until 30 September 2022, successful applicants fulfill the following criteria will be entitled up to HK$10,500 cash rebate. 

successfully apply with a loan amount of HK$80,000 or above with a repayment tenor of 24 months or above with the promotion period, and completed drawdown on or before 31 October, 2022

 

Apply via mReferral to earn extra cash rebate $200

Click “Apply Now” to the Application Form and enter the invitation code【AM】in “Reference code” to apply for BOC Express Cash Instalment Loan and drawdown successfully to enjoy extra $200 cash rebate. You could earn up to $3,700 cash rebate in total!

 

Product Features

BOCHK Offer 1 - up to HK$9,000 cash rebate

  • From 4 July 2022 to 30 September 2022 (both dates inclusive), customers can earn up to a HK$9,000 cash rebate by applying for the loan with a specific loan amount, and with a repayment tenor of 24 months or above and submit documents successfully via designated e-channels.

 

  • Loan Amount   Cash Rebate
    • HK$80,000 - HK$199,999                HK$200
    • HK$200,000 - HK$299,999              HK$1,500
    • HK$300,000 - HK$399,999              HK$2,000
    • HK$400,000 - HK$499,999              HK$2,500
    • HK$500,000 - HK$599,999              HK$3,000
    • HK$600,000 - HK$699,999              HK$3,500
    • HK$700,000 - HK$799,999              HK$4,000
    • HK$1,000,000 - HK$1,499,999        HK$8,000
    • HK$1,500,000 or above                  HK$9,000
  • Customers should successfully drawdown the loan on or before 31 October 2022 to be eligible to the cash rebate

 

BOCHK Offer 2 - HK$1,000 Payroll Account Extra Reward

  • Customers can earn a HK$1,000 cash rebate by fulfilling the following requirements
    • HK$80,000 - HK$199,999        HK$100
    • HK$200,000 - HK$499,999      HK$200
    • HK$500,000 - HK$999,999      HK$500
    • HK$1,000,000 or above          HK$1,000

 

  • successfully apply with a loan amount of HK$80,000 or above, and with a repayment tenor of 24 months or above with the promotion period, and
  • register for Payroll Service on or before 30 September 2022, and
  • start receiving salary via payroll account within the next 2 calendar months from the date of the payroll service registration, and maintain this arrangement until the relevant reward is credited 
  • have taken up designated banking service(s)
  • should maintain a valid and designated account with BOCHK
  • The Payroll Account Extra Reward will be directly credited to the BOC repayment account of the Eligible Payroll Account Customers on or before 31 March 2023 without prior notice.

 

BOCHK Offer 3 - HK$500 Payroll Loyalty Account Extra Reward

  • Customers can earn a HK$500 cash rebate by fulfilling the following requirements
  • Period of using payroll service from July 2018 to June 2021  HK$100
  • Period of using payroll service from July 2014 to June 2018  HK$200
  • Period of using payroll service from June 2014 or before    HK$500

 

Annualised Percentage Rate as low as 4.93%, handling fee as low as 0%

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 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.

BOC Express Cash Instalment Loan
  • Earn up to HK$3,500 cash rebate & Apply via mReferral to earn extra cash rebate $200
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
400
Max loan amount
  • APR as low as 1.68%*
  • Earn up to HK$3,700 cash rebate

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 September 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.

i-Money Internet Personal Loan
  • New and existing customers enjoy PlayStation 5™ or cash reward up to $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 instant 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 (Tenor period: 3-60 months, APR: As high as 48%)

i-Money Internet Personal Loan

  • UA Empower You with the highest cash reward+ in town or PlayStation 5TMNew and existing customers1 enjoy cash reward2 up to $18,000
  • Whole loan process completed 24x7 online with instant approval. Instant cash transfer by FPS including Sat & Sun*
  • Property Owner ExclusiveNo property deed required, large loan amount up to $1,000,000 for flexible cash out

Remarks:

*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.
+As of June 2022, UA’s cash reward is the highest among the major financial companies in Hong Kong.
1New 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, excluding e-Cash Revolving Loan Account opened within the Promotion Period.
2Limited time offer is subject to terms and conditions. For details, please click here.

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.: 1299/2022

PrimeCredit Fixed Instalment Loan
  • Up to HK$12,000 Cash Bonus
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
80
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 July to 30 September 2022 (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
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
80
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 July to 30 September 2022 (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
%
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 July to 30 September 2022 (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

Zero Finance
  • Referrer & Referee Enjoy up to $1,800 Cash Reward
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
10
Max loan amount
  • X Wallet eXpress Personal Loan

X Wallet Member Get Member Program Promotion Details

Promotion Period: From 1 September 2022 until 30 September 2022

 

1. Rewards detail

I. The rewards to the Referrer: $800 cash (Hong Kong dollar)

II. The rewards to the Referee: $1,000 cash (Hong Kong dollar)

 

2. How do I participate in the Member Get Member (“MGM”) program?

To participate in the MGM program, you simply register as an X Wallet member, then confirm and agree the MGM’s term and conditions

 

3. What are the criteria the member must meet in order to eligible for the MGM rewards?

I. Referrer must be Hong Kong permanent residents aged 18 or above.

II. Referrer and Referee are both registered as an X Wallet member.

III. If Referrer has an X Wallet eXpress Loan (“X Wallet loan”) account, Referrer must maintain the loan account as normal status.

IV. Referee must maintain their X Wallet loan account as normal status.

V. Referee must be the new applicant for X Wallet loan, OR X Wallet member that has never been reactivated and applied for an X Wallet loan in the past 12-months period.

VI. Referee must confirm the loan contract and has drawdown successfully.

 

4. How do I refer someone?

Each Referrer has their unique personal referral code, which is displayed on the 'Referral & Rewards' Page. The Referrer can recommend anyone to apply for the X Wallet loan by sharing your referral code, referral URL or referral QR code.

 

5. How do I use the referral code?

When logged-in to X Wallet, the Referee cans enter the referral code during the X Wallet loan application process; If the Referee used a referral URL or QR code to open X Wallet and apply for an X Wallet loan, the system will verify the identity of both the Referrer and Referee automatically.

 

6. Is there a limit on the number of referrals?

There is no limit, we welcome the Referrer to recommend X wallet as much as they want.

 

7. How do I redeem my rewards?

Log-in to X Wallet and simply tap the withdraw button at the ' Referral & Rewards' Page. We will then transfer the rewards into your designated Hong Kong bank account. The money transfer takes around 2 working days (excluding Saturday, Sunday or public holiday).

 

Terms and Conditions

1. The Referee must be the new applicant for X Wallet eXpress Loan ("X Wallet loan”), confirmed loan contract and has drawdown successfully. Then the Referrer can get $1,000 cash (Hong Kong dollar) for the reward; the Referee can get $800 cash (Hong Kong dollar) for the reward.

2. The Referee needs to apply for the X Wallet loan within the promotion period, the application is based on the loan contract confirmation time. All date and time-related are subject to the system report and Zero Finance Hong Kong Limited (“the company”) final decision. Any delayed loan contract confirmations are not accepted.

3. The MGM program is only available to Hong Kong permanent residents aged 18 or above.

4. The MGM program is only available to X Wallet members, which include referrer and Referee. The Referee must be the new applicant for X Wallet loan and confirmed loan contract and drawdown successfully. Or X Wallet member that has never been reactivated and applied for an X Wallet loan in the past 12-months period, and confirmed loan contract and drawdown successfully.

5. Each new loan customer cans only be referred to once. If more than one referrers recommend the same Referees, only the first Referrer according to the record of the company will be eligible for the referral reward.

6. The referral code must be entered during the loan application process, the referral code cannot be corrected after the referral code has been accepted, supplementary are not accepted.

7. The company reserves the right to verify the member's identity. Loan customer will be disqualified from the MGM program if the personal information provided is found to be unknown, unclear or missing and unable to contact the member or verify the member’s identity.

8. All personal information collected will abide by the data policies of the company.

9. The rewards from the MGM program are not transferable.

10. To avoid any conflict of interest, employees and agents of the company cannot participate in the MGM program.

11. The Referrer and the Referee cannot be the same person, nor use the same bank account to receive the rewards.

12. The referral method that the referrer used must be lawful, otherwise, the company has the right to cancel the referral reward for the Referrer.

13. If Referrer has an X Wallet loan account, Referrer must maintain their X Wallet loan account as normal status in order to withdraw the rewards.

14. Referee must maintain their X Wallet account as normal status in order to withdraw the rewards.

15. When the system receives the instruction for the withdrawal of the reward, the money will be transferred immediately. The money transfer will take around 2 working days (excluding Saturday, Sunday or public holiday), depending on the real-life situation and the designated bank that you are using.

16. Referrer and Referee must ensure the bank account information provided is correct, accurate and active. The company will not accept any liability for any circumstances that caused or discovered that the reward failed to transfer to the designated bank account.

17. Within 30 days after the referee successfully confirms the loan contract, if Referee or Referrer fails to provide the correct bank account, it will be deemed to automatically give up the relevant reward.

18. The rewards would be cancelled, if the Referrer or Referee close or cancel the X Wallet member account under any circumstance.

19. The company will not accept any liability for any problems due to computer, network, telephone, and other technical issues that cause the member to delay or missed the submission of an application.

20. The company reserves the right to amend these terms and condition or suspend this MGM program without any prior notice.

21. The company will not accept any liability for any loss due to failure to follow the instruction of the MGM program.

22. The company reserves the right to disqualify the eligibility of the member and withdraw the MGM program if the personal information provided is found to be fake or breach of the terms and conditions.

23. By participating in the MGM program, each member agrees to be bound by these terms and conditions. The company reserves the right to disqualify the eligibility of member, to withdraw the MGM program and to proceed legal action, if any breach of terms and conditions is found.

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
20
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

EasyLend Personal Loan
  • Latest Offer
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
50
Max loan amount
  • No handling fee, obtain 100% loan amount
  • No charges for early settlement. Daily calculation of interest to save your interest.

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 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
80
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 October 6, 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:

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 October 6, 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:

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
80
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 October 6, 2022, 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
  • [Limited-time Offer] Welcome offer worth up to $13,000
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
60
Max loan amount
  • Eligible new customer can receive cash Reward up to $10,000▲ and an additional $3,000 Apple Store Gift Card
  • 24x7 instant approval and loan disbursement. 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 $13,000  upon loan withdrawal of specific amount before 31 December 2022. Detail is shown below.

First Drawdown Loan Amount (HK$)Cash Reward (HK$)

Extra Reward

$550,001 or above$10,000

$3,000  Apple Store Gift Card

$500,001 - $550,000$8,000

$3,000  Apple Store Gift Card

$400,001 - $500,000$5,000

$3,000  Apple Store Gift Card

$300,001 - $400,000$4,000

$3,000  Apple Store Gift Card

$200,001 - $300,000$3,000

Not Applicable

$100,001 - $200,000$2,000

Not Applicable

$50,001 - $100,000$1,000

Not Applicable

$10,000 - $50,000$500

Not Applicable

-※ 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 : 1357/2021

Standard Chartered Personal Instalment Loan
  • 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

    Standard Chartered Personal Instalment Loan

    Promotion period: 22 Aug – 23 Oct 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

    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 - $599,999$2,000
    $600,000 - $1,499,999$3,000
    $1,500,000 or above$7,000

     

    • Annualized Percentage Rate as low as 1.7%#
    • 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 1.70% (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 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
    • Up to HKD 8,000 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

      Standard Chartered Personal Instalment Loan Debt Consolidation Program

      • Promotion period: 22 Aug - 23 Oct 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
      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.

      Citi Card Debt Consolidation Loans
      • Enjoy up to HK$5,000 cash coupon
      %
      Interest rate
      Monthly flat rate:
      $
      Total repayment
      $
      Monthly repayment
      $
      每月最低還款額
      $
      每日利息
      120
      Max loan amount
      • Loan amount up to $1,200,000
      • Enjoy up to HK$5,000 cash coupon

      A Citi Card Debt Consolidation Loan is a loan offered by Citibank that lets you consolidate all your high-interest loans into a low-interest loan, so you can repay with ease and convenience.

      Successfully apply to enjoy up to HK$5,000 cash coupon

      Loan amount up to 21x monthly salary

      Repayment term up to 72 months

      1. The Welcome Offer promotion period is from April 1, 2022 to October 16, 2022, both dates inclusive ("Promotion Period").
      2. Customers who successfully apply for Citi Speedy Cash or Citi Card Debt Consolidation Loan within the Promotion Period and drawn down on or before October 30, 2022 with a specific loan amount and repayment term 12 months or above (“Eligible customers”) will be eligible for the Welcome Offer. Only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Liimited (the“Bank”) at the time of application.

       

      Welcome 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$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

      • The annualized percentage rate (“APR”) ranges from 3.13% to 44.72%, with repayment period of 6 to 60 months.
      • The Annualized Percentage Rate ("APR") of as low as 3.13% is calculated based on the monthly flat rate 0.14% with loan amount of HK$1,200,000 and repayment tenor of 12 months.
      • The Annualized Percentage Rate ("APR") of as low as 44.72% is calculated based on the monthly flat rate 1.79% with loan amount of HK$90,000 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. 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 0.27% (APR 6.1%), and the total loan repayment amount is HKD206,484 (including full handling fee waiver). The above example is for reference only.

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

      Citi Speedy Cash
      • Enjoy up to HK$8,000 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
      • Loan amount up to $2,000,000
      • Enjoy up to HK$8,000 cash coupon

      Citi Speedy Cash

      Successfully apply to enjoy up to HK$8,000 cash coupon

      Loan amount up to 12x times of your monthly salary or HK$2,000,000, whichever is lower

      Repayment term up to 60 months

      1. The Welcome Offer promotion period is from April 1, 2022 to October 16, 2022, both dates inclusive ("Promotion Period").
      2. Customers who successfully apply for Citi Speedy Cash or Citi Card Debt Consolidation Loan within the Promotion Period and drawn down on or before October 30, 2022 with a specific loan amount and repayment term 12 months or above (“Eligible customers”) will be eligible for the Welcome Offer. Only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Liimited (the“Bank”) at the time of application.

      Welcome 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$4,000

      HK$2,500

      HK$8,000

      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

      • The annualized percentage rate (“APR”) ranges from 1.38% to 44.72%, with repayment period of 6 to 60 months.
      • The Annualized Percentage Rate ("APR") of as low as 1.38% is calculated based on the monthly flat rate 0.062% with loan amount of HK$1,500,000 and repayment tenor of 12 months.
      • The Annualized Percentage Rate ("APR") of as low as 44.72% is calculated based on the monthly flat rate 1.79% with loan amount of HK$90,000 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. 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 0.27% (APR 6.10%), and the total loan repayment amount is HKD206,484 (including full handling fee waiver). The above example is for reference only.

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

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