Personal Loan Comparison

【Limited Flash Offer – Up to HK$28,000 Cash Reward*】

• Member of Dah Sing Financial Group with strong and stable funding. Compliant with relevant banking industry’s regulatory requirements and codes, rest assured with your application.
• Loan amounts up HK$1.5M or 85% of the property valuation¹, repayment period up to 96 months.
• Simple and Fast Application - No property deeds or legal fees required with no restrictions on property types.
• 【24x7 Online Application】Support fast online applications with instant preliminary approval result², solve your loan needs with speedy approval.
• Offer a preferential interest rate to reduce your interest expenses.
• Arrange flexible repayment period and flexible first repayment date which fits your cash flow management.

【OK Finance New Upgraded Flash Offer – Up to HK$28,000 Cash Rewards*】

From 1 July 2026 till 31 August 2026 (both dates inclusive), eligible customers apply for and successfully draw down a loan with an approved amount of HK$100,000 or above via OK Finance website, could enjoy cash rewards of up to HK$28,000*. Apply now through Mreferral!

Terms and Conditions
*Promotion is subject to terms and conditions. For details, please refer to OK Finance's official announcement and Terms & Conditions. In the event of any dispute, OK Finance reserves the right of final decision.
https://reurl.cc/9Wg3Na 

¹ Loan amounts of up to HK$1,500,000 or 85% of the property valuation (whichever is lower) must meet the specified property types and the applicant's specified credit requirements. Actual circumstances may vary in individual cases.

²"Instant Preliminary Approval" refers to a preliminary assessment based on the information provided in the online application and the applicant's credit record. The final approval result may differ from the preliminary approval result after verification of supporting documents and additional information submitted by the applicant.

【Limited Flash Offer – Up to HK$28,000 Cash Reward*】

• Member of Dah Sing Financial Group with strong and stable funding. Compliant with relevant banking industry’s regulatory requirements and codes, rest assured with your application.
• Attractive Customer Benefit - Interest as low as 1.12% APR¹.
• Loan amounts up to 22x monthly income or HK$1.5M³, repayment period up to 72 months.
• 【24x7 Online Application】Support fast online applications with instant preliminary approval result², as well as in branch professional service.
• Arrange flexible repayment period and flexible first repayment date which fits your cash flow management.
• Tailor-made low-interest loan solutions to ease repayment burden.

【OK Finance New Upgraded Flash Offer – Up to HK$28,000 Cash Rewards*】

From 1 July 2026 till 31 August 2026 (both dates inclusive), eligible customers apply for and successfully draw down a loan with an approved amount of HK$100,000 or above via OK Finance website, could enjoy cash rewards of up to HK$28,000*. Apply now through Mreferral!

Terms and Conditions
*Promotion is subject to terms and conditions. For details, please refer to OK Finance's official announcement and Terms & Conditions. In the event of any dispute, OK Finance reserves the right of final decision.
https://reurl.cc/9Wg3Na 

¹ Example assumes a loan amount of HK$100,000 with a repayment period of 12 months (30 days per month) and a monthly flat rate of 0.05%. After the waiver of handling fees, the APR is 1.12%, with total interest payable of HK$604.60, daily interest of HK$1.68, and a total repayment amount of HK$100,604.60. Figures are rounded to two decimal places and are for illustrative purposes only. The APR is calculated in accordance with the guidelines set out in the Code of Banking Practice. APR is a reference rate expressed as an annualised rate that includes the product's basic interest rate and applicable fees and charges. The final APR offered will depend on the applicant's information, credit history and overall credit assessment. OK Finance reserves the right to make the final loan approval decision.

²"Instant Preliminary Approval" refers to a preliminary assessment based on the information provided in the online application and the applicant's credit record. The final approval result may differ from the preliminary approval result after verification of supporting documents and additional information submitted by the applicant.

³Applicants seeking a loan amount of up to 22 times their monthly salary or HK$1,500,000 (whichever is lower) must meet the specified credit requirements. Actual approval and terms may vary depending on individual circumstances.

Your one-stop unsecured personal loan money lender
Borrow $200K with interest as low as $83/day*

Repayment period: up to 60 monthsHandling fees：0%

• AI instant approval, as fast as same-day completion from application to fund withdrawal
• Online Application and Signing of Low-Interest Personal Loan Contract
• Accept any credit rating
• Highly transparent, absolutely no hidden charges

*The above products are subject to terms and conditions. All sample information is for reference only. Final loan amount and interest approval are based on individual applicant's actual circumstances. Information is for reference only. For details, please visit K Cash website.

Warning: You have to repay your loans. Don't pay any intermediaries.
Complaint Hotline：3185 8847

K Cash Limited Money Lender's License No.: 1439/2025
K Cash Express Limited Money Lender's Licence No.: 523/2026
 

• Get up to HK$20,000 cashback when you successfully apply for and drawdown a qualifying CreFIT Cash Loan with a 12‑month or longer term.
• Actual APR from 1.38%
• Repayment term up to 48 months
• Loan amount up to HK$500,000

If the loan instalment is not fully repaid on the due date, a fixed late fee of HK$300 and late interest will be charged for each overdue instalment.

Money Lender's Licence No.: 0819/2025

Smooth cash flow made easy 

ZA Bank’s Debt Changer 

One step to consolidate all your debts 

Get a cash reward of up to HKD 20,888* 

* During the Debt Changer application from today to 31 August 2026, users can input the promotion code [MREFERRAL] to get 3 Loan Cash Coupons. Upon successful drawdown of Debt Changer with a loan amount of HKD 60,000 or above, HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999, and HKD 800,000 – HKD 1,500,000 and a tenor of 24 months or above and with the coupon, the user can get an HKD 500, HKD 1,888, HKD 6,888, and HKD 20,888 cash reward respectively after the completion of the 7-day Cooling-off Period. Terms & conditions apply.  

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

【X Wallet】New Customers Apply for X Cash.AI and Enjoy up to $2,000 Cash Rebate!

Promotion Code: XMR2000

Promotion Detail:

Please refer to the Chinese version.

The monthly repayment results of the "mReferral Personal Loan Calculator" are for reference only. All subject to the final approval and announcement of Zero Finance.

【New Promise Offer】 During 2 July 2026 - 30 September 2026, eligible new customers who apply the loan online with designated promo code “GET1000” and make the first loan drawdown of HK$10,000 or above, will receive a HK$1,000 Shopping Coupon⬟. If the loan application is made by phone or through our branch, customers are not entitled for the reward.

• Subject to Terms and Conditions of the product. For Terms and Conditions details, please visit website of Promise.
• In case of disputes regarding this offer, the decision of Promise (Hong Kong) Co., Ltd. shall be final and conclusive.
• All matters and disputes, which related to Promise’s Welcome Offer will be subject to the decision of Promise (Hong Kong) Co., Ltd. which decision shall be final and conclusive.
• 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.
• All examples and information of interest rate are for reference only, and any final approval is subject to actual circumstances of individual loan applicant.
• ^"Instant Money Transfer" applies to loans that are transferred via Faster Payment System (FPS), which subject to the system maintenance periods.
• *"Apply Anywhere" is only applicable to customers who choose to sign the loan agreement online and fulfill the loan conditions of "signing loan agreement online". Customer can also choose to sign the loan agreement in any of our branches.
• #For application, only HK ID card and mobile phone will be required for working people. If customers can only provide HK ID card and mobile phone, the maximum loan amount will be HK$100,000. A more ideal loan amount might be approved, if additional documents can be provided. For loan applicants with monthly income $12,000 or below, maximum loan amount will also be restricted by "Debt Servicing Ratio".
• ⦿"Instant Approval" is limited to online application which is a preliminary approval result. We reserve the right of final approval.
• ◆The maximum loan amount for "Freelancer" will be HK$100,000. For loan applicants with monthly income $12,000 or below, maximum loan amount will also be restricted by "Debt Servicing Ratio".
• ■The annual percentage rate (APR) is subject to actual circumstances of individual personal loan applicant.
• ⬟For Terms and Conditions of the Welcome Offer, please visit website of Promise.
• ¹For loan applicants with monthly income $12,000 or below, maximum loan amount will be restricted by "Debt Servicing Ratio".
• Warning: You have to repay your loans. Don't pay any intermediaries.
• Money Lender’s Licence Number : 804/2026
• Enquiry and Complaint Hotline : 3199 1199
• Promise (Hong Kong) Co., Limited.

"NO SHOW" Personal Loan

Cash Reward^ up to HK$18,000

• From now until September 30, 2026 cash reward up to $18,000^ for all new and existing customers¹ 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-12:30pm) and except public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

¹ New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.

^ Cash Reward 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.: 0805/2025

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

Civil Servants and Professionals Express Loan

Cash Reward^ up to HK$18,000

• From now until September 30, 2026, cash reward up to $18,000^ for all new and existing customers¹ 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-12:30pm) and except Sunday and public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

¹ New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.

^ Cash Reward 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.: 0805/2025

UA Civil Servants and Professionals Express Loan

Period: 3 months - 60 months 

Max APR: 36%

i-Money Internet Personal Loan

Cash Reward^ up to HK$18,000

• From now until September 30, 2026 cash reward up to $18,000^ for all new and existing customers¹ upon successful loan application and drawdown!
• Instant cash transfer by FPS**
• 【Property Owner Exclusive】No property deed required, large loan amount up to $1,000,000 for flexible cash out

1. The minimum repayment period is 3 months, the maximum repayment period is 60 months.
2. According to the Money Lenders Ordinance, the maximum annual percentage rate is 48%.
3. A representative example of total cost for a loan below is for reference only:

• Loan amount: HK$10,000
• Monthly installment of HK$1,672 for 6 months
• Interest rate: 0.092% per month
• Annual percentage rate: 1.1%
• Total repayment amount: HK$10,032

** Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-12:30pm) and except Sunday and public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

¹ New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.

^ Cash Reward 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.: 0805/2025

UA i-Money Internet Personal Loan

Period: 3 months-60 months

Max APR: 36%

• [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 2026 to 31 August 2026 (both dates inclusive), up to HK$18,000 cash bonus will be rewarded upon successful application and drawdown of the designated loan amount
• For more loan and offer details, please visit PrimeCredit's website
• All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
• Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 608/2026

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  July 2026 to 31 August 2026 (both dates inclusive), up to HK$18,000 cash bonus will be rewarded upon successful application and drawdown of the designated loan amount
• For more loan and offer details, please visit PrimeCredit's website
• All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
• Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 608/2026

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