• The Promotion is valid from October 14, 2020 to January 18, 2021, both dates inclusive.
• During the Promotion Period, 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, have completed the entire application process (including checking of credit report) and have submitted all required documents and information during the Promotion Period, regardless of approval result, shall be eligible to receive a HK$300 supermarket cash coupon.
• The promotion is subject to the T&C of signed agreements for the loan application. Please visit Welend.hk for more T&C.
• HK$150,000 or below, Waive Income Proof & Address Proof#, simply apply online
• Our online application protects your data with advanced grade encryption standards from data transfer to storage. Real time credit assessment using A.I. technology and big data analysis can calculate your real loan rate in seconds, anytime, anywhere.
• We provide a more reliable, more instant way to approve your loan by using one time passwords, facial recognition and A.I. scanning to verify your identity, I.D. Card and document me to fasten the approval process
• No more waiting for transfers. Sign your loan agreement online, and once final verification and approval is complete, we’ll transfer your money automatically^
• #Income Proof and Address Proof waiver only for loans with the maximum loan amount of HK$100,000 for customers who fulfil specific credit requirements. 
• ^Disbursement into customers’ bank account will be made automatically after the loan agreement has been signed and all the details on the application has been verified and approved. Actual transfer time is subject to each individual bank’s transfer service hours
• The interest rate, handling fee and repayment details are for reference only. Final approval is subject to the final submission of information and the credit record of the applicant
• WELEND LIMITED reserves its absolute rights on the final loan decision and on any disputes
• Warning: You have to repay your loans. Don’t pay any intermediaries.
• Money Lender’s License: 1093/2020

Faster Borrowing at a Bank Rate

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

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

Remarks:

1. Annualized Percentage Rate (“APR”) is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up or down to the nearest two decimal places. APR is a reference rate which includes the basic interest rate and other fees and charges (if applicable) expressed as an annualized rate. Approval of the APR is subject to the final decision of the Bank. The APR ranges from 1.85% to 28.14% with repayment period of 12 to 60 months. For a loan amount of HKD250,000 with 36 months repayment period, the APR is 1.85%, and the total loan repayment amount is HKD256,922.55 (handling fee waived). The above example is for reference only, please refer to terms and conditions for details

2. From 22 November 2020 to 15 February 2021, eligible customer draw downs a Personal Loan with a loan amount not more than HKD200,000, the customer is not required to make repayment in the first 60 days after drawdown. If eligible customer early settles the entire loan before the first due date, the customer is not required to pay any interest and can settle the entire loan by only repaying the loan principle.

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

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

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

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

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

7. The Bank reserves the right of final approval.

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

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

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

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

More about this provider:

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

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

(繁) K Cash貸款額高達月薪30倍或港幣300萬 (以較低者為準)

(繁) K Cash 貸款計劃還款期長達72個月

(繁) 年利率低至3.8%

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