Personal Loan Comparison

【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.

Save up to 15% on interest this tax season with Personal Instalment Loan

Settle your taxes easily and create your very own ‘tax rebate’ when you save up to 15% on interest. Act now!

• Basic Cash Back and New Client Cash Back – Up to HKD 8,000
• Extra Cash Back – Up to HKD 10,000
• Annualised Percentage Rate as low as 1.85%#
• Daily loan interest as low as HKD 10^
• Handling fee 0%
• Loan amount up to 18X monthly salary or HKD4,000,000 (whichever is lower)
• Loan tenor up to 60months

Clients who have successfully applied for a Standard Chartered Personal Instalment Loan (“Loan”) online during the Promotion Period and drawn down within three months can enjoy up to HKD18,000
cash rebate (“Rebate”), provided that the client’s Loan account remains valid and with no past due record/unsatisfactory credit history at the time of the Bank crediting Rebate. Details of the eligibility
for the Rebate are set out in the table below:

*  New clients refers to those are not holding any loan and/or credit cards issued by Bank at the time of Loan application.

Remarks

^ Daily loan interest as low as HK$10 (rounded down to the nearest integer) is calculated with the loan amount of HK$100,000, tenor of 12 months and monthly flat rate of 0.31% which is equivalent to APR of 7.01%.  (Loan amount: $100,000 * monthly flat rate 0.31% * Tenor 12 months)  / 365  days = HK$10.19

* Save total interest expense up to 15%: Assuming the customer is a new customer with a loan amount of HK$1,500,000, tenor of 36 months, annualised percentage rate of 5.13% and the total interest is HK$118,800 = HK$1,500,000 (loan amount) * 0.22% (monthly flat rate) *36 months (tenor). The total cash rebate amount is HK$18,000. which is equivalent to 15% of the total interest expense (HK$18,000/HK$118,800). New Clients are applicants who are not holding any loans and/or credit cards issued by the Bank at the time of this loan application

# The Annualised Percentage Rate is 1.85% (for clients with loan amount of HKD$1,500,000 or above and tenor of 12 months). APRs are reference rates which include the basic loan 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 are only applicable to clients who are not holding any Standard Chartered Credit Cards/Personal Loan at the time of this application. The Bank reserves the right to determine the applicable loan interest rate and handling fee, and to approve a person instalment 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

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

2. For every HKD1,000 loan amount.

3. 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.

The Annualised Percentage Rate ranged from 1.85% to 36% and flexible repayment period of 12 to 60 months. An APR is a reference rate which includes the basic loan interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of 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.

• New Customer who successfully applied and drawdown the loan to enjoy up to HK$10,000 Cash Rebate
• New Customer who successfully applied via Online and drawdown the loan to enjoy up to HK$500 Apple Store Gift Card Offer
• [mReferral Exclusive Offer] Enjoy the extra HK$500 cash rebate
• APR as low as 2.16%
• Maximum loan amount can be as high as HK$2,000,000 or twenty times of monthly salary (whichever is lower)
• Long repayment tenor as long as 60 months

Notes regarding the Personal Loan:

1. Annualized percentage rate("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. The APR ranged from 2.16% to 36% generally and the minimum repayment period and maximum repayment period is of 6 months to 60 months. APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis. The APR has been corrected to 2 decimal places. If the loan amount is $1,500,000 with the monthly flat rate at 0.063%, when approval is obtained from the Bank, the APR for 12 months will be 2.16% (inclusive of HK$9,000 cash rebate) or 3.30% (excluding cash rebate), including the handling fee of 1.00% per annum, the total repayment amount will be HK$1,511,340. The handling fee shall be added onto the loan amount and to be paid together with the monthly instalments. The value of the Rebate that an Eligible Customer is entitled to will depend on the Loan amount applied for and drawn down and the APR. Example is for reference only. The APR may differ with different loan amounts and tenors. For details, please contact our staff.
2.  The promotion period of the "Up to HKD10,000 Cash Rebate promotion" and “Apple Store Gift Card Offer” (“Promotion”) is from 22 April 2024 to 30 June 2024, both dates inclusive (“Promotion Period”).
3. It comprises the total sum of up to HK$10,500 Cash Rebate and $500 Apple Store Gift Card under the Promotion.

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

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

mReferral Exclusive Offer: 

Cash rebate will be entitled by inputting a reference code “AM” on mReferral website. Successful application via e-Channels can earn up to HK$23,888 cash rebate. Promotion terms and conditions apply. 

• Loan amount up to HK$2,000,000 or 21 times of monthly salary (whichever is lower)
• Help you save interest expenses, centralize your repayment and settle your card balance easily

Features

BOCHK Offer – Reward up to HK$23,888 Cash Rebate

• Customer can earn up to HK$23,888 cash rebate by fulfilling the following requirements: 

• Successfully apply and drawdown with a loan amount of HK$50,000 or above, and with a repayment tenor of 36 months or above with the promotion period
• Successfully submit the application with inputting reference code " AM"
• The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 31 March 2025 without prior notice

Product Features 

• APR as low as 5.93% ; 1% handling fee
• Repayment period up to 72 months 
• Loan amount up to HK$2,000,000 or 21x of your monthly salary (whichever is lower)
• Minimum income requirements: Monthly income is not less than HK$6,000

Things you need to know 

• 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. 

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

mReferral Exclusive Offer: 

An extra HK$500 cash rebate will be entitled by inputting a reference Code“AM”on mReferral website. Successful application via eChannels can earn up to HK$7,300 cash rebate (including mReferral exclusive cash rebate of extra HK$500). Promotion Terms and conditions apply. 

Features

BOCHK Offer - Reward up to HK$6,800 Cash Rebate

Customer can earn up to HK$6,800 cash rebate by fulfilling the following requirements:

• Successfully apply and drawdown with a loan amount of HK$50,000 or above, and with a repayment tenor of 36 months or above within the promotion period ; OR Successfully apply and drawdown with a loan amount of HK$200,000 or above, and with a repayment tenor of 24 months within the promotion period
• An extra HK$500 cash rebate will be earned upon successful registration with inputting reference code “AM”
• The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 31 March 2025 without prior notice

Requirement:

• Minimum income requirements: Monthly fixed income is not less than HK$6,000

Remarks:

• The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and monthly flat rate of 0.0830%. The Annualized Percentage Rate (APR) is 1.85%
• 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 

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

Enjoy our limited time Welcome Offer! Eligible New Customers who withdraw their loans from 1st April 2025 to 30th June 2025, will receive a cash reward of up to HK$15,000▲.

• This welcome offer does not apply to New Customers whose annual interest rate as stated in their respective loan agreement is 4.4% (i.e. monthly flat rate of 0.2%) or below.
• Subject to Terms and Conditions of promotion. 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.
• 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.
• ⦿"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.
• ■The annual percentage rate (APR) is subject to actual circumstances of individual personal loan applicant.
• Warning: You have to repay your loans. Don't pay any intermediaries.
• Money Lender’s Licence Number : 0941/2024
• Enquiry and Complaint Hotline : 3199 1199
• Promise (Hong Kong) Co., Limited.

• New Customer who successfully applied and drawdown the loan to enjoy up to HK$10,000 rewards
• [mReferral Exclusive Offer] Enjoy the extra HK$500 cash rebate
• APR as low as 2.16%
• Maximum loan amount can be as high as HK$2,000,000 or twenty times of monthly salary (whichever is lower)
• Long repayment tenor as long as 60 months
• Successfully draw down and receive free Dyson Supersonic™ hair dryer HD15 or redeem other products* at exclusive redemption price!

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

Notes regarding the Decoration Loan: 

1. Annualized percentage rate("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. The APR ranged from 2.16% to 36% generally and the minimum repayment period and maximum repayment period is of 6 months to 60 months. APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis. The APR has been corrected to 2 decimal places. If the loan amount is $1,500,000 with the monthly flat rate at 0.063%, when approval is obtained from the Bank, the APR for 12 months will be 2.16% (inclusive of HK$9,000 cash rebate) or 3.30% (excluding cash rebate), including the handling fee of 1.00% per annum, the total repayment amount will be HK$1,511,340. The handling fee shall be added onto the loan amount and to be paid together with the monthly instalments. The value of the Rebate that an Eligible Customer is entitled to will depend on the Loan amount applied for and drawn down and the APR. Example is for reference only. The APR may differ with different loan amounts and tenors. For details, please contact our staff.
2. The promotion period of “Decoration Loan Premium Gift Offer” (“Promotion”) is from 1 April 2024 to 30 June 2024 (both dates inclusive) (“Promotion Period”).
3. The promotion period of the “Decoration Loan: Up to HKD10,500 Cash Rebate promotion” (“Promotion”) is from 1 April 2024 to 30 June 2024, both dates inclusive (“Promotion Period”).

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

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

"NO SHOW" Personal Loan

Best-in-town⁺ offer! Cash Reward^ up to HK$18,000

• From now until Sep 30,2025 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.

+ As of June 2024, UA’s cash reward is the highest among the major financial companies in Hong Kong.

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.: 0918/2024

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

Civil Servants and Professionals Express Loan

Best-in-town⁺ offer! Cash Reward^ up to HK$18,000

• From now until Sep 30, 2025, 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.

+ As ofJune 2024, UA’s cash reward is the highest among the major financial companies in Hong Kong.

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.: 0918/2024

UA Civil Servants and Professionals Express Loan

Period: 3 months - 60 months 

Max APR: 36%

i-Money Internet Personal Loan

Best-in-town⁺ offer! Cash Reward^ up to HK$18,000

• From now until Sep 30, 2025, 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

** 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.

+ As of June 2024, UA’s cash reward is the highest among the major financial companies in Hong Kong.

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.: 0918/2024

UA i-Money Internet Personal Loan

Period: 3 months-60 months

Max APR: 36%

• [Instant approval and withdrawal] Online instant approval and 24x7 loan disbursement
• [Urgency] No income proof is required
• [No extra fee] No handling fee, no early settlement fee
• [Low interest rates] Repayment terms up to 72 months
• [Special offer] From 1 March 2025 to 31 May 2025 (both dates inclusive), up to HK$18,000 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
• 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.: 704/2024

PrimeCredit Fixed Instalment Loan

Period: 6-72 months

Max APR: 48%

• [Professional analysis] PrimeCredit Balance Transfer Analyst provides professional analysis on your current card and loan indebtedness, and tailor-make the most interest saving and fastest repayment plan according to your needs
• [Save!] Can save up to 98% interest, make monthly repayment 50% less and repayment period 25 years shorter
• [No extra fee] No handling fee, no early settlement fee
• Repayment terms up to 72 months
• Online application with instant approval result
• [Special offer] From 1 March 2025 to 31 May 2025 (both dates inclusive), up to HK$18,000 cash bonus will be rewarded upon successful application and drawdown
• 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.: 704/2024

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 March 2025 to 31 May 2025 (both dates inclusive), up to HK$18,000 cash bonus will be rewarded upon successful application and drawdown
• 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.: 704/2024

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

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