Finding The Best Lending Company To Issue Loans In Hong Kong
In today's financial landscape, money lending companies have emerged as a convenient and accessible option for individuals seeking financial assistance. Whether you have an urgent financial need or require a loan with more lenient requirements, MoneyHero will help you find the best financial institution that fits your borrowing needs.
All Lending Company Loans Products
PrimeCredit Fixed Loan
![PrimeCredit Fixed Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt4351440a848723f8/6514e5b5a5f15dd796fc7749/PRMC.webp?auto=webp&width=144)
3 Offers Available
![HK$7,500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$7,500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 3 other gift options
Valid until
30 September 2024
![Up to HK$12,000 Cash Bonus](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![Up to HK$12,000 Cash Bonus](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
Valid until
30 September 2024
![Limited Offer of HK$1,000 Supermarket Coupon](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltad2b629e5296a623/655da02794a2474cc134a449/96x96-Vouchers.png?auto=webp&width=60)
![Limited Offer of HK$1,000 Supermarket Coupon](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt39360f9481e8626c/655da036ca38f07759d2e3c1/64x64-Vouchers.png?auto=webp&width=60)
Valid until
30 September 2024
- Online instant approval and 24 x 7 loan disbursement
- No income proof is required
- Repayment terms up to 72 months
- No handling fee, no early settlement fee
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit 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
[MoneyHero Exclusive Offer] Up to HK$7,500 Apple Store Gift Card
- From 1 September 2024 to 30 September 2024 (both dates inclusive), you can get up to HK$7,500 Apple Store Gift Card upon successful application and drawdown of the designated personal loan via MoneyHero
Gift Options
Minimum loan tenor of 12 instalments + net loan amount HK$700,000 or above
Minimum loan tenor of 12 instalments + net loan amount from HK$300,000 to HK$699,999
Minimum loan tenor of 12 instalments + net loan amount from HK$150,000 to HK$299,999
Minimum loan tenor of 12 instalments + net loan amount from HK$100,000 to HK$149,999
- please refer to PrimeCredit website for details
[PrimeCredit Limited Offer] Up to HK$12,000 Cash Bonus
- From 1 September 2024 to 30 September 2024 (both dates inclusive), up to HK$12,000 cash bonus will be rewarded upon successful application and drawdown of the designated personal loan
Gift Options
“up to HK$12,000 Cash Bonus” Terms and Conditions:
During the promotion period, customers who successfully apply for and drawdown designated personal loans with minimum 12 instalments through this webpage can enjoy Cash Bonus calculated based on 1% of the net loan amount. The maximum amount that a property owner who applies for a designated personal loan can enjoy is $12,000; while the maximum amount that a non-property owner can enjoy is $8,000. Each customer can enjoy the offer once during the promotion period.
The promotion period is from 1 September 2024 to 30 September 2024 (both days inclusive). Terms and conditions apply. The offers cannot be used in conjunction with other promotions. PrimeCredit reserves the right to terminate the offers or amend the details and terms & conditions without prior notice. For details of the loan and promotion, please contact PrimeCredit. PrimeCredit reserves its absolute rights on the final loan decision and any disputes.
[PrimeCredit Limited Offer] Limited Offer of HK$1,000 Supermarket Coupon
- From 1 September 2024 to 30 September 2024 (both dates inclusive), limited-offer of HK$1,000 supermarket coupon will be rewarded upon successful application and drawdown of the designated personal loan
Gift Options
“HK1,000 Supermarket Coupon” Terms and Conditions:
- During the promotion period, customers who successfully apply for and drawdown designated personal loans with net loan amount HK$100,000 or above and minimum 12 instalments through this webpage can enjoy additional HK$1,000 supermarket coupon.
- Each customer can only enjoy the above offers once during the promotional period.
- Redemption notification will be sent out by Dec 2024. If you do not receive the redemption notification by Jan 2025, you should notify PrimeCredit immediately, otherwise, PrimeCredit accepts no liability and will not be liable for any compensation.
- Redemption notification will not be re-issued for any loss, damage or theft.
- The Coupon cannot be redeemed for cash, exchanged for other gifts or transferred to any third party. If the Coupon is out of stock, PrimeCredit reserves the right to offer an alternative gift of equivalent value without prior notice.
- The Coupon can only be used in accordance with the terms and conditions printed thereon. The supplier of the Coupon is solely responsible for any matters relating to the use of the Coupon and PrimeCredit shall not be liable for any issues arising from the use of the Coupon.
The promotion period is from 1 September 2024 to 30 September 2024 (both days inclusive). Terms and conditions apply. The offers cannot be used in conjunction with other promotions. PrimeCredit reserves the right to terminate the offers or amend the details and terms & conditions without prior notice. For details of the loan and promotion, please contact PrimeCredit. PrimeCredit reserves its absolute rights on the final loan decision and any disputes.
- 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
WeLend Personal Loan
![WeLend Personal Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blta2b1c7656f55bafa/654c39e3d2a103040ad8f181/WELE.webp?auto=webp&width=144)
2 Offers Available
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
![HK$21,800 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![HK$21,800 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
+ 6 other gift options
Valid until
30 September 2024
- Enjoy Cash Reward up to HK$21,800 upon successfully draw down
- A.I. fully automated loan with simplified loan process; from application, approval to disbursement, all done online.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Gift Options
[MoneyHero Exclusive Offer]
- From 2 September 2024 6 p.m. to 30 September 2024, new customers who apply WeLend Personal Loan via MoneyHero can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 2 (valued at HK$536) OR HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result.
- For more details about the promotion, please see Terms and Conditions
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
From 2 September 2024 to 30 September 2024 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$21,800 cash reward.
Gift Options
Repayment period at least 24 months + loan amount from HK$800,001 or above
Repayment period at least 24 months + loan amount from HK$600,001 to HK$800,000
Repayment period at least 24 months + loan amount from HK$500,001 to HK$600,000
Repayment period at least 24 months + loan amount from HK$400,001 to HK$500,000
Repayment period at least 24 months + loan amount from HK$300,001 to HK$400,000
Repayment period at least 24 months + loan amount from HK$200,001 to HK$300,000
Repayment period at least 24 months + loan amount from HK$120,000 to HK$200,000
- Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0829/2024
1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- HKID Copy
- Disbursement account proof
- Residential address proof
- Commission Based Salary: Minimum recent 3 months of Income Proof
- Real Estate Industry: Minimum recent 6 months of Income Proof
UA i-Money Express Online Personal Loan
![UA i-Money Express Online Personal Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltd2365780e022fcf3/654c3949fb8a50040ab78057/UAFX.webp?auto=webp&width=144)
2 Offers Available
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
![HK$18,000 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![HK$18,000 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
+ 9 other gift options
Valid until
30 September 2024
- Whole loan process is completed 24x7 online
- Apply online anytime anywhere, no face-to-face contact is required
- Property owners enjoy a large loan amount up to HK$1,500,000 with flexible cash out. No property deed is required
- Flexible repayment term of up to 60 months
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 7 days
Gift Options
- Valid until 30 September 2024, you can get extra Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 2 (valued at HK$536) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 September 2024, regardless of loan approval and drawdown
- Please refer to the Terms and Conditions for details
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
[UA Rewards You with the Best-in-town+ Cash Reward^]
- Cash Reward of up to $18,000 for new and existing customers. Offer is valid until 30 September 2024 learn more below
- Enjoy up to HK$17,800 Cash Reward upon successfully drawdown a Personal Instalment Loan with a repayment period of 12 months or above
- Get up to HKS200 Cash Reward upon successfully open and activate an e-Cash Revolving Loan account
Gift Options
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$800,000 and above
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$700,000 to HK$799,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$550,000 to HK$699,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$500,000 to HK$549,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$400,000 to HK$499,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$250,000 to HK$399,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$110,000 to HK$249,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$90,000 to HK$109,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$70,000 to HK$89,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$50,000 to HK$69,999
- The promotion period of the Limited Time Cash Reward (including cash reward for opening of e-Cash Revolving Loan Account and cash reward for drawdown of personal instalment loan) offered by United Asia Finance Limited (the “Company”) is from 1 July 2024 to 30 September 2024, both dates inclusive (the “Promotion Period”).
- 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 (the “Eligible Customers”).
- +As of June 2024, UA’s cash reward is the highest among the major financial companies in Hong Kong.
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
- Limited time Cash reward offer is subject to terms and conditions. For details, please click here.
- +As of June 2024, UA’s cash reward is the highest among the major financial companies in Hong Kong.
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
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 Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:
The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account
New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan
Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-12:30pm) and except to Sunday & public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.United Asia Finance Limited reserves the right to make final decision on loan approval
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
1. Hong Kong Identity Card
2. Recent income proof, e.g., payroll slip, tax demand note, monthly bank account statement/passbook with your salary or MPF statement
3. Employment proof
4. Current residential proof, e.g. utility bills, bank statement
CreFIT Cash Loan
![CreFIT Cash Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt9b38cc40f974e6de/66a9d929610c4123d1420f65/CreFit_Cash_Loan_EN.png?auto=webp&width=144)
2 Offers Available
![HK$1,000 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$1,000 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
![Up to HK$1,000 Interest Waiver Coupon](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltad2b629e5296a623/655da02794a2474cc134a449/96x96-Vouchers.png?auto=webp&width=60)
![Up to HK$1,000 Interest Waiver Coupon](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt39360f9481e8626c/655da036ca38f07759d2e3c1/64x64-Vouchers.png?auto=webp&width=60)
Valid until
31 December 2024
- Cash Loan Approval Pledge^
- Incognito mode quotation with no impact on credit rating#, No income proof required.
- Repayment tenor of 6, 12, 18, 24, 30, 36, 42 or 48 months
- Loan amounts up to HK$500,000
- No extra and hidden fee
- #No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that
- From now till 30 September 2024, new customers who apply CreFIT Cash Loan & obtain approval result on or before 30 September 2024 via MoneyHero can get HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher OR Trip.com Gift Card, regardless of loan approval and drawdown
- Complete the "Reward Redemption Form" within 7 days of successful submission of the application
Gift Options
- Please refer to the Terms and Conditions for more details
Gift Options
- From now till 31 Dec 2024:Pledges approval result within 60 seconds^ from receive complete loan application information and customer’s consent for accessing the credit reference report. If the approval result is not available within the guaranteed time, successfully approved customers can enjoy an Interest Waiver Coupon up to value HK$1,000
- #No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that.
- ^ From your consent accessing the credit report to the approval result. Applicable to qualified customers only. For details, please refer to the website.
- *VCREDIT reserves the final rights and is subject to the terms and conditions on a case-by-case basis
- For example, if the loan amount is HK$200,000 with repayment period in 24 months, and the calculation is based on 365 or 366 days in a year, the APR and Monthly Flat Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% and 0.343% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,019.33 and HK$16,464.00 respectively.
- There is no drawdown fee or annual fee for this loan product. If the loan instalment is not fully repaid on the due date, a fixed late fee of HK$300 will be charged for each overdue instalment.
- CreFIT Cash Loan Applicant Requirements: Aged 18 or above, Hong Kong Permanent Resident, Hong Kong local mobile phone number, Average monthly salary of HK$5,000
- APR 1.98% - 36.00% in general
- Terms and Conditions apply
Warning: You must repay your loans. Do not pay any intermediaries.
- Inquiries and complaints hotline: 6369 2338
- Money Lender's License Number: 0751/2024
- VCREDIT Finance Limited
WeLend No Document Loan
![WeLend No Document Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blta2b1c7656f55bafa/654c39e3d2a103040ad8f181/WELE.webp?auto=webp&width=144)
Offer Available
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
- No document required, just verify your identity*. Apply and get approved instantly!
- Personal loan with no document required - just your ATM card and ID card for instant approval^
- Receive cash as soon as the next day, approved and transferred immediately*
- Funds transferred via "FPS", cash in your account immediately^!
- WeScore credit new indicator - WeLend's 400 million data points help you maintain a healthy credit profile!
- ^Applicants must meet specific requirements, actual conditions may vary depending on individual circumstances.
- *Only applicable to customers with a maximum loan amount of HK$80,000 and who meet specific credit approval requirements.
Gift Options
[MoneyHero Exclusive Offer]
- From 2 September 2024 6 p.m. to 30 September 2024, new customers who apply WeLend Personal Loan via MoneyHero can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 2 (valued at HK$536) OR HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result.
- For more details about the promotion, please see Terms and Conditions
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service / Complaint Hotline: 3590 6396
- Money Lender's License: 0829/2024
- The loan will be transferred via Faster Payment System (FPS) after the loan is approved and the loan agreement is signed. Actual transfer time is subject to each individual bank's transfer service hours.
- A.I. chatbot provides immediate solutions 24/7.
UA "NO SHOW" Personal Loan
![UA "NO SHOW" Personal Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltd2365780e022fcf3/654c3949fb8a50040ab78057/UAFX.webp?auto=webp&width=144)
2 Offers Available
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
![HK$18,000 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![HK$18,000 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
+ 9 other gift options
Valid until
30 September 2024
- Just leave contact information and our representative will complete the application for you all over the week
- No need to show up, no documents are required
- Same-day express approval, cash will be transferred to your designated account instantly via FPS
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more referrals!
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 7 days
Gift Options
- Valid until 30 September 2024, you can get extra Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 2 (valued at HK$536) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 September 2024, regardless of loan approval and drawdown
- Please refer to the Terms and Conditions for details
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
[UA Rewards You with the Best-in-town+ Cash Reward^]
- Cash Reward of up to $18,000 for new and existing customers. Offer is valid until 30 September 2024 learn more below
- Enjoy up to HK$17,800 Cash Reward upon successfully drawdown a Personal Instalment Loan with a repayment period of 12 months or above
- Get up to HKS200 Cash Reward upon successfully open and activate an e-Cash Revolving Loan account
Gift Options
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$800,000 and above
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$700,000 to HK$799,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$550,000 to HK$699,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$500,000 to HK$549,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$400,000 to HK$499,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$250,000 to HK$399,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$110,000 to HK$249,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$90,000 to HK$109,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$70,000 to HK$89,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$50,000 to HK$69,999
- The promotion period of the Limited Time Cash Reward (including cash reward for opening of e-Cash Revolving Loan Account and cash reward for drawdown of personal instalment loan) offered by United Asia Finance Limited (the “Company”) is from 1 July 2024 to 30 September 2024, both dates inclusive (the “Promotion Period”).
- 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 (the “Eligible Customers”).
- +As of June 2024, UA’s cash reward is the highest among the major financial companies in Hong Kong.
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
- Cash Reward Offer is subject to terms and conditions. For details, please click here.
+As of June 2024, UA’s cash reward is the highest among the major financial companies in Hong Kong.
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
- #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 must fulfill the respective credit requirements by the Company. Otherwise, customer might be required to come to the branches in person to provide relevant document.
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 Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
- New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:
- The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account
- New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan
- 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
1. Apply through hotline at 2681 8787
2. Provide personal information over the phone, no need to show up at any branches.
3. Confirm the acceptance of the loan via SMS.
N/A
(United Asia Finance Limited does not require customer (including new and existing customers) to provide document proof for the application of “NO SHOW” Personal Loan.)
UA i-Money Express Online Personal Loan for Property Owner
![UA i-Money Express Online Personal Loan for Property Owner](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltd2365780e022fcf3/654c3949fb8a50040ab78057/UAFX.webp?auto=webp&width=144)
2 Offers Available
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
![HK$18,000 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![HK$18,000 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
+ 9 other gift options
Valid until
30 September 2024
- Whole loan process is completed 24x7 online
- Apply online anytime anywhere, no face- to-face contact is required
- Property owners enjoy a large loan amount up to HK$1,500,000 with flexible cash out. No property deed is required
- Flexible repayment term of up to 60 months
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 7 days
Gift Options
- Valid until 30 September 2024, you can get extra Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 2 (valued at HK$536) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 September 2024, regardless of loan approval and drawdown
- Please refer to the Terms and Conditions for details
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
[UA Rewards You with the Best-in-town+ Cash Reward^]
- Cash Reward of up to $18,000 for new and existing customers. Offer is valid until 30 September 2024 learn more below
- Enjoy up to HK$17,800 Cash Reward upon successfully drawdown a Personal Instalment Loan with a repayment period of 12 months or above
- Get up to HKS200 Cash Reward upon successfully open and activate an e-Cash Revolving Loan account
Gift Options
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$800,000 and above
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$700,000 to HK$799,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$550,000 to HK$699,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$500,000 to HK$549,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$400,000 to HK$499,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$250,000 to HK$399,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$110,000 to HK$249,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$90,000 to HK$109,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$70,000 to HK$89,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$50,000 to HK$69,999
- The promotion period of the Limited Time Cash Reward (including cash reward for opening of e-Cash Revolving Loan Account and cash reward for drawdown of personal instalment loan) offered by United Asia Finance Limited (the “Company”) is from 1 July 2024 to 30 September 2024, both dates inclusive (the “Promotion Period”).
- 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 (the “Eligible Customers”).
- +As of June 2024, UA’s cash reward is the highest among the major financial companies in Hong Kong.
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
- Cash Reward Offer is subject to terms and conditions. For details, please click here.
As of Oct 2023, UA’s cash reward is the highest among the major financial companies in Hong Kong
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 Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
- New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:
- The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account
- New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan
- Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-12:30pm) and except to Sunday & public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.
- 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
PrimeCredit Civil Servant & Professional Loan
![PrimeCredit Civil Servant & Professional Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt4351440a848723f8/6514e5b5a5f15dd796fc7749/PRMC.webp?auto=webp&width=144)
3 Offers Available
![HK$7,500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$7,500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 3 other gift options
Valid until
30 September 2024
![Up to HK$12,000 Cash Bonus](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![Up to HK$12,000 Cash Bonus](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
Valid until
30 September 2024
![Limited Offer of HK$1,000 Supermarket Coupon](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltad2b629e5296a623/655da02794a2474cc134a449/96x96-Vouchers.png?auto=webp&width=60)
![Limited Offer of HK$1,000 Supermarket Coupon](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt39360f9481e8626c/655da036ca38f07759d2e3c1/64x64-Vouchers.png?auto=webp&width=60)
Valid until
30 September 2024
- Repayment terms up to 72 months
- Monthly flat rate as low as 0.05%
- 14-day Flexi Payment
- No handling fee, no early settlement fee
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit 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
- From 1 September 2024 to 30 September 2024 (both dates inclusive), you can get up to HK$7,500 Apple Store Gift Card upon successful application and drawdown of the designated personal loan via MoneyHero
Gift Options
還款期達 12 期 + 淨貸款額 HK$700,000 或以上
還款期達 12 期 + 淨貸款額由 HK$300,000 至 HK$699,999
還款期達 12 期 + 淨貸款額由 HK$150,000 至 HK$299,999
還款期達 12 期 + 淨貸款額由 HK$100,000 至 HK$149,999
- please refer to PrimeCredit website for details
[PrimeCredit Limited Offer] Up to HK$12,000 Cash Bonus
- From 1 September 2024 to 30 September 2024 (both dates inclusive), up to HK$12,000 cash bonus will be rewarded upon successful application and drawdown of the designated personal loan
Gift Options
“up to HK$12,000 Cash Bonus” Terms and Conditions:
During the promotion period, customers who successfully apply for and drawdown designated personal loans with minimum 12 instalments through this webpage can enjoy Cash Bonus calculated based on 1% of the net loan amount. The maximum amount that a property owner who applies for a designated personal loan can enjoy is $12,000; while the maximum amount that a non-property owner can enjoy is $8,000. Each customer can enjoy the offer once during the promotion period.
The promotion period is from 1 September 2024 to 30 September 2024 (both days inclusive). Terms and conditions apply. The offers cannot be used in conjunction with other promotions. PrimeCredit reserves the right to terminate the offers or amend the details and terms & conditions without prior notice. For details of the loan and promotion, please contact PrimeCredit. PrimeCredit reserves its absolute rights on the final loan decision and any disputes.
[PrimeCredit Limited Offer] Limited Offer of HK$1,000 Supermarket Coupon
- From 1 September 2024 to 30 September 2024 (both dates inclusive), limited-offer of HK$1,000 supermarket coupon will be rewarded upon successful application and drawdown of the designated personal loan
Gift Options
“HK1,000 Supermarket Coupon” Terms and Conditions:
- During the promotion period, customers who successfully apply for and drawdown designated personal loans with net loan amount HK$100,000 or above and minimum 12 instalments through this webpage can enjoy additional HK$1,000 supermarket coupon.
- Each customer can only enjoy the above offers once during the promotional period.
- Redemption notification will be sent out by Dec 2024. If you do not receive the redemption notification by Jan 2025, you should notify PrimeCredit immediately, otherwise, PrimeCredit accepts no liability and will not be liable for any compensation.
- Redemption notification will not be re-issued for any loss, damage or theft.
- The Coupon cannot be redeemed for cash, exchanged for other gifts or transferred to any third party. If the Coupon is out of stock, PrimeCredit reserves the right to offer an alternative gift of equivalent value without prior notice.
- The Coupon can only be used in accordance with the terms and conditions printed thereon. The supplier of the Coupon is solely responsible for any matters relating to the use of the Coupon and PrimeCredit shall not be liable for any issues arising from the use of the Coupon.
The promotion period is from 1 September 2024 to 30 September 2024 (both days inclusive). Terms and conditions apply. The offers cannot be used in conjunction with other promotions. PrimeCredit reserves the right to terminate the offers or amend the details and terms & conditions without prior notice. For details of the loan and promotion, please contact PrimeCredit. PrimeCredit reserves its absolute rights on the final loan decision and any disputes.
Professionals
- including, but not limited to, doctors, nurses, lawyers, and teachers
- PrimeCredit reserves the right of final interpretation of the definition of professionals
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
![PrimeCredit Balance Transfer](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt4351440a848723f8/6514e5b5a5f15dd796fc7749/PRMC.webp?auto=webp&width=144)
3 Offers Available
![HK$7,500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$7,500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 3 other gift options
Valid until
30 September 2024
![Up to HK$12,000 Cash Bonus](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![Up to HK$12,000 Cash Bonus](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
Valid until
30 September 2024
![Limited Offer of HK$1,000 Supermarket Coupon](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltad2b629e5296a623/655da02794a2474cc134a449/96x96-Vouchers.png?auto=webp&width=60)
![Limited Offer of HK$1,000 Supermarket Coupon](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt39360f9481e8626c/655da036ca38f07759d2e3c1/64x64-Vouchers.png?auto=webp&width=60)
Valid until
30 September 2024
- "PrimeCredit Balance Transfer Analyst" provides a professional analysis of your current card and loan indebtedness, and tailor-make the most interest-saving and fastest repayment plan for your needs
- No handling fee, no early settlement fee
- Repayment terms up to 72 months
- Online application with instant approval result
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit 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
[MoneyHero Exclusive Offer] Up to HK$7,500 Apple Store Gift Card
- From 1 September 2024 to 30 September 2024 (both dates inclusive), you can get up to HK$7,500 Apple Store Gift Card upon successful application and drawdown of the designated personal loan via MoneyHero
Gift Options
還款期達 12 期 + 淨貸款額 HK$700,000 或以上
還款期達 12 期 + 淨貸款額由 HK$300,000 至 HK$699,999
還款期達 12 期 + 淨貸款額由 HK$150,000 至 HK$299,999
還款期達 12 期 + 淨貸款額由 HK$100,000 至 HK$149,999
- please refer to PrimeCredit website for details
[PrimeCredit Limited Offer] Up to HK$12,000 Cash Bonus
- From 1 September 2024 to 30 September 2024 (both dates inclusive), up to HK$12,000 cash bonus will be rewarded upon successful application and drawdown of the designated personal loan
Gift Options
“up to HK$12,000 Cash Bonus” Terms and Conditions:
During the promotion period, customers who successfully apply for and drawdown designated personal loans with minimum 12 instalments through this webpage can enjoy Cash Bonus calculated based on 1% of the net loan amount. The maximum amount that a property owner who applies for a designated personal loan can enjoy is $12,000; while the maximum amount that a non-property owner can enjoy is $8,000. Each customer can enjoy the offer once during the promotion period.
The promotion period is from 1 September 2024 to 30 September 2024 (both days inclusive). Terms and conditions apply. The offers cannot be used in conjunction with other promotions. PrimeCredit reserves the right to terminate the offers or amend the details and terms & conditions without prior notice. For details of the loan and promotion, please contact PrimeCredit. PrimeCredit reserves its absolute rights on the final loan decision and any disputes.
[PrimeCredit Limited Offer] Limited Offer of HK$1,000 Supermarket Coupon
- From 1 September 2024 to 30 September 2024 (both dates inclusive), limited-offer of HK$1,000 supermarket coupon will be rewarded upon successful application and drawdown of the designated personal loan
Gift Options
“HK1,000 Supermarket Coupon” Terms and Conditions:
- During the promotion period, customers who successfully apply for and drawdown designated personal loans with net loan amount HK$100,000 or above and minimum 12 instalments through this webpage can enjoy additional HK$1,000 supermarket coupon.
- Each customer can only enjoy the above offers once during the promotional period.
- Redemption notification will be sent out by Dec 2024. If you do not receive the redemption notification by Jan 2025, you should notify PrimeCredit immediately, otherwise, PrimeCredit accepts no liability and will not be liable for any compensation.
- Redemption notification will not be re-issued for any loss, damage or theft.
- The Coupon cannot be redeemed for cash, exchanged for other gifts or transferred to any third party. If the Coupon is out of stock, PrimeCredit reserves the right to offer an alternative gift of equivalent value without prior notice.
- The Coupon can only be used in accordance with the terms and conditions printed thereon. The supplier of the Coupon is solely responsible for any matters relating to the use of the Coupon and PrimeCredit shall not be liable for any issues arising from the use of the Coupon.
The promotion period is from 1 September 2024 to 30 September 2024 (both days inclusive). Terms and conditions apply. The offers cannot be used in conjunction with other promotions. PrimeCredit reserves the right to terminate the offers or amend the details and terms & conditions without prior notice. For details of the loan and promotion, please contact PrimeCredit. PrimeCredit reserves its absolute rights on the final loan decision and any disputes.
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
【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan
![【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blta2b1c7656f55bafa/654c39e3d2a103040ad8f181/WELE.webp?auto=webp&width=144)
2 Offers Available
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
![HK$21,800 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![HK$21,800 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
+ 6 other gift options
Valid until
30 September 2024
- Enjoy Cash Reward up to HK$21,800 upon successfully draw down
- Civil servants / professionals can enjoy interest rates as low as 1.88% APR.
- Loan amount of HK$500,000 or above can enjoy low interest rate as tax loans.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Gift Options
[MoneyHero Exclusive Offer]
- From 2 September 2024 6 p.m. to 30 September 2024, new customers who apply WeLend Personal Loan via MoneyHero can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 2 (valued at HK$536) OR HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result.
- For more details about the promotion, please see Terms and Conditions
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
From 2 September 2024 to 30 September 2024 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$21,800 cash reward.
Gift Options
Repayment period at least 24 months + loan amount from HK$800,001 or above
Repayment period at least 24 months + loan amount from HK$600,001 to HK$800,000
Repayment period at least 24 months + loan amount from HK$500,001 to HK$600,000
Repayment period at least 24 months + loan amount from HK$400,001 to HK$500,000
Repayment period at least 24 months + loan amount from HK$300,001 to HK$400,000
Repayment period at least 24 months + loan amount from HK$200,001 to HK$300,000
Repayment period at least 24 months + loan amount from HK$120,000 to HK$200,000
- Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The loan will be transferred via Faster Payment System (FPS) after the loan is approved and the loan agreement is signed. Actual transfer time is subject to each individual bank's transfer service hours.
- Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0829/2024
1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- HKID Copy
- Disbursement account proof
- Residential address proof
- Commission Based Salary: Minimum recent 3 months of Income Proof
- Real Estate Industry: Minimum recent 6 months of Income Proof
UA Civil Servants and Professionals Express Loan
![UA Civil Servants and Professionals Express Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltd2365780e022fcf3/654c3949fb8a50040ab78057/UAFX.webp?auto=webp&width=144)
2 Offers Available
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
![HK$18,000 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![HK$18,000 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
+ 9 other gift options
Valid until
30 September 2024
- APR as low as 1.38%. Flexible repayment term of 6 to 60 months
- Apply online anytime anywhere, no face-to-face contact is required
- Swift approval
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more referrals!
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 7 days
Gift Options
- Valid until 30 September 2024, you can get extra Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 2 (valued at HK$536) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 September 2024, regardless of loan approval and drawdown
- Please refer to the Terms and Conditions for details
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
[UA Rewards You with the Best-in-town+ Cash Reward^]
- Cash Reward of up to $18,000 for new and existing customers. Offer is valid until 30 September 2024 learn more below
- Enjoy up to HK$17,800 Cash Reward upon successfully drawdown a Personal Instalment Loan with a repayment period of 12 months or above
- Get up to HKS200 Cash Reward upon successfully open and activate an e-Cash Revolving Loan account
Gift Options
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$800,000 and above
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$700,000 to HK$799,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$550,000 to HK$699,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$500,000 to HK$549,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$400,000 to HK$499,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$250,000 to HK$399,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$110,000 to HK$249,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$90,000 to HK$109,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$70,000 to HK$89,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$50,000 to HK$69,999
- The promotion period of the Limited Time Cash Reward (including cash reward for opening of e-Cash Revolving Loan Account and cash reward for drawdown of personal instalment loan) offered by United Asia Finance Limited (the “Company”) is from 1 July 2024 to 30 September 2024, both dates inclusive (the “Promotion Period”).
- 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 (the “Eligible Customers”).
- +As of June 2024, UA’s cash reward is the highest among the major financial companies in Hong Kong.
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
- Cash Reward Offer is subject to terms and conditions. For details, please click here.
- As of Oct 2023, UA’s cash reward is the highest among the major financial companies in Hong Kong
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 Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
- New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:
- The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account
- New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan
- Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-12:30pm) and except to Sunday & public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.
- 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 Seasonal Tax Loan
![UA Seasonal Tax Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltd2365780e022fcf3/654c3949fb8a50040ab78057/UAFX.webp?auto=webp&width=144)
Offer Available
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
- APR as low as 1.38%
- Loan amount up to 300% of tax payable for flexible cash out during the tax season
- Repayment period up to 36 months
- Simple application with HKID Card & Tax Demand Note only
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 7 days
Gift Options
- Valid until 30 September 2024, you can get extra Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 2 (valued at HK$536) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 September 2024, regardless of loan approval and drawdown
- Please refer to the Terms and Conditions for details
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
- 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 Debts Consolidation Loan
![UA Debts Consolidation Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltd2365780e022fcf3/654c3949fb8a50040ab78057/UAFX.webp?auto=webp&width=144)
2 Offers Available
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
![HK$18,000 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![HK$18,000 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
+ 9 other gift options
Valid until
30 September 2024
- A consolidated loan to clear all your debts to reduce interest expense for you
- Minimize your interest expenses
- Flexible repayment terms
- Tailor-made interest rate
- Loan amount of up to HK$2,000,000
- Flexible repayment term of up to 60 months; No handling fee
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more referrals!
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 7 days
Gift Options
- Valid until 30 September 2024, you can get extra Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 2 (valued at HK$536) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 September 2024, regardless of loan approval and drawdown
- Please refer to the Terms and Conditions for details
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
[UA Rewards You with the Best-in-town+ Cash Reward^]
- Cash Reward of up to $18,000 for new and existing customers. Offer is valid until 30 September 2024 learn more below
- Enjoy up to HK$17,800 Cash Reward upon successfully drawdown a Personal Instalment Loan with a repayment period of 12 months or above
- Get up to HKS200 Cash Reward upon successfully open and activate an e-Cash Revolving Loan account
Gift Options
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$800,000 and above
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$700,000 to HK$799,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$550,000 to HK$699,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$500,000 to HK$549,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$400,000 to HK$499,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$250,000 to HK$399,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$110,000 to HK$249,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$90,000 to HK$109,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$70,000 to HK$89,999
Repayment period at least 12 months + successfully open and activate an e-cash account + loan amount at least HK$50,000 to HK$69,999
- The promotion period of the Limited Time Cash Reward (including cash reward for opening of e-Cash Revolving Loan Account and cash reward for drawdown of personal instalment loan) offered by United Asia Finance Limited (the “Company”) is from 1 July 2024 to 30 September 2024, both dates inclusive (the “Promotion Period”).
- 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 (the “Eligible Customers”).
- +As of June 2024, UA’s cash reward is the highest among the major financial companies in Hong Kong.
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
- Limited time Cash reward offer is subject to terms and conditions. For details, please click here.
- As of October 2023, UA’s cash reward is the highest among the major financial companies in Hong Kong
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 Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:
The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account
New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan
Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-12:30pm) and except to Sunday & public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.United Asia Finance Limited reserves the right to make final decision on loan approval
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
1. Hong Kong Identity Card
2. Recent income proof, e.g., payroll slip, tax demand note, monthly bank account statement/passbook with your salary or MPF statement
3. Employment proof
4. Current residential proof, e.g. utility bills, bank statement
WeLend Card Debt Consolidation Loan
![WeLend Card Debt Consolidation Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blta2b1c7656f55bafa/654c39e3d2a103040ad8f181/WELE.webp?auto=webp&width=144)
2 Offers Available
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$500 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
![HK$21,800 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![HK$21,800 Cash Reward](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
+ 6 other gift options
Valid until
30 September 2024
- Enjoy Cash Reward up to HK$21,800 upon successfully draw down
- Laon amount of up to 25x monthly salary
- Save up to 90% interest; repay credit card debts faster and boost your credit score instantly.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Gift Options
[MoneyHero Exclusive Offer]
- From 2 September 2024 6 p.m. to 30 September 2024, new customers who apply WeLend Personal Loan via MoneyHero can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 2 (valued at HK$536) OR HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result.
- For more details about the promotion, please see Terms and Conditions
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
From 2 September 2024 to 30 September 2024 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$21,800 cash reward.
Gift Options
Repayment period at least 24 months + loan amount from HK$800,001 or above
Repayment period at least 24 months + loan amount from HK$600,001 to HK$800,000
Repayment period at least 24 months + loan amount from HK$500,001 to HK$600,000
Repayment period at least 24 months + loan amount from HK$400,001 to HK$500,000
Repayment period at least 24 months + loan amount from HK$300,001 to HK$400,000
Repayment period at least 24 months + loan amount from HK$200,001 to HK$300,000
Repayment period at least 24 months + loan amount from HK$120,000 to HK$200,000
- Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- 90% interest savings is calculated using annual percentage rate 36% with minimum monthly payment 1%.
- Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
WELEND LIMITED reserves its absolute right to any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don't pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0829/2024
1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- HKID Copy
- Disbursement account proof
- Residential address proof
- Commission Based Salary: Minimum recent 3 months of Income Proof
- Real Estate Industry: Minimum recent 6 months of Income Proof
X Cash. AI Loan
![X Cash. AI Loan](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blta567bfe586ea70ff/668f92a51d6dbc8ae11b8cb0/X_Wallet_Logo_color_4x.png?auto=webp&width=144)
2 Offers Available
![HK$1,000 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$1,000 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
![HK$1,200 Cash Rebate](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc6463eabee3f48d5/655da026d28c5af4dc3dd9af/96x96-Cash-Gifts.png?auto=webp&width=60)
![HK$1,200 Cash Rebate](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blte87f0be5af759704/655da036df4282c4102edbf7/64x64-Cash-Gifts.png?auto=webp&width=60)
Valid until
30 September 2024
- MoneyHero exclusive promotion code "MH2200"
- Only ID card is required, no proof of income is required, and the approval result will be known within 5 seconds
- 24/7 Instant Funds Disbursement: Once the loan contract is confirmed, the funds will be instantly transfer to your bank account by using the "FPS" system
- Zero Human Interference: The entire process from application, and contract signing to fund transfer can be completed without any manpower
- Lightning Approval in Seconds: By using Machine Learning, you will get the results within 5 seconds
- Flexible Loan Amount (as low as HK$1,000)
- No income proof is required (needs only your HKID for identity verification)
- The loan process is all done over the mobile phone
- Repayment term up to 48 months
- No handling fee
- No hidden charges
- No penalty for early repayment
New customers who apply for X Cash. AI Loan via MoneyHero will receive HK$1,000 Apple Store Gift Card / Trip.com e-Voucher / Wellcome Shopping Voucher
Gift Options
- Reward eligibility:
- A new customer is defined as a person who has not held any loan transaction of any kind with the Company (Zero Finance Hong Kong Limited and X8 Finance) within the 12 months preceding the date of application.
Promotion period: From now till 30 September 2024
- How to redeem MoneyHero exclusive offer?
- Within 7 days of receiving the email, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Zero Finance. At the same time, customers need to submit all of the related documents to Zero Finance.
- Tips:
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- For more details about the promotion, please see Terms and Conditions
Gift Options
- From 11 June 2024 till 30 September 2024, eligible new customers who successfully apply for X Cash. AI Loan for the first time with an approved loan amount of HK$20,000 or above, will be entitled to HK$1,200 cash rebate
- The loan account must be in normal and active status (overdue, write-off, and frozen are all regarded as abnormal accounts), and the daily loan balance needs to maintain HK$20,000 or above within 90 days upon loan contract confirmation day to entitle HK$1,200 cash rebate.
- Actual annual interest rate is from 8% to 48% as the maximum
- Final approval is subject to the actual situation and financial condition of the customer.
- Warning: You have to repay your loans. Don't pay any intermediaries.
CreFIT ClearCard Credit
![CreFIT ClearCard Credit](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc7946ccccf1a2711/66027797df697217ec39d2d4/01-CreFIT-Product-Horizontal-logo-Chi.png?auto=webp&width=144)
Offer Available
![HK$300 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$300 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
- No credit report check, not affecting credit rating
- No need to appear in person, instant cash transfer
- 7-days cooling-off period
- Loan amounts up to HK$200,000
- Repayment tenor of 3, 6, 9, 12, 18 or 24 months
- From now till 30 September 2024 12 noon, new customers who apply CreFIT ClearCard Credit & submission of documents to the bank on or before 30 September 2024 via MoneyHero can get HK$300 Apple Store Gift Card OR Wellcome Shopping Voucher OR Trip.com Gift Card, regardless of loan approval and drawdown
- Remeber to click here to fill out the reward form within 7 days after application
Gift Options
- Please refer to the Terms and Conditions for more details
- Based on a loan amount of HK$200,000 with a repayment period in 24 months, and the calculation is based on 365 or 366 days in a year, the APR and Monthly Flat Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% and 0.343% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,019.33 and HK$16,464.00 respectively.
There is no drawdown fee or annual fee for this loan product. If the loan instalment is not fully repaid on the due date, a fixed late fee of HK$300 will be charged for each overdue instalment.
Applicants must be Hong Kong permanent residents aged 18 or above, provide a Hong Kong local mobile phone number and have an average monthly salary of HK$5,000.
APR 1.98%-36.00% in general
- Terms and Conditions apply.
Warning: You must repay your loans. Do not pay any intermediaries.
Inquiries and complaints hotline: 6369 2338
Money Lender's License Number: 0751/2024
VCREDIT Finance Limited
CreFIT ClearCard Credit Cash out
![CreFIT ClearCard Credit Cash out](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltc7946ccccf1a2711/66027797df697217ec39d2d4/01-CreFIT-Product-Horizontal-logo-Chi.png?auto=webp&width=144)
Offer Available
![HK$300 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/blt0110fb7170e00284/65b0ac75d48d3d6d33cee562/Apple_Store_Gift_Card.png?auto=webp&width=60)
![HK$300 Apple Store Gift Card](https://images.contentstack.io/v3/assets/blt558576ec8d681e97/bltbcdcf43ce6acb86e/65b0ac81d48d3de163cee566/Apple_Store_Gift_Card.png?auto=webp&width=60)
+ 2 other gift options
Valid until
30 September 2024
- No credit report check, not affecting credit rating
- No need to appear in person, instant cash transfer
- 7-days cooling-off period
- Loan amount up to HK$200,000
- Repayment tenor of 3, 6, 9, 12, 18 or 24 months
- From now till 30 September 2024 12 noon, new customers who apply CreFIT ClearCard Credit & submission of documents to the bank on or before 30 September 2024 via MoneyHero can get HK$300 Apple Store Gift Card OR Wellcome Shopping Voucher OR Trip.com Gift Card, regardless of loan approval and drawdown
- Remeber to click here to fill out the reward form within 7 days after application
Gift Options
- Please refer to the Terms and Conditions for more details
- Based on a loan amount of HK$200,000 with a repayment period in 24 months, and the calculation is based on 365 or 366 days in a year, the APR and Monthly Flat Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% and 0.343% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,019.33 and HK$16,464.00 respectively.
There is no drawdown fee or annual fee for this loan product. If the loan instalment is not fully repaid on the due date, a fixed late fee of HK$300 will be charged for each overdue instalment.
Applicants must be Hong Kong permanent residents aged 18 or above, provide a Hong Kong local mobile phone number and have an average monthly salary of HK$5,000.
APR 1.98%-36.00% in general
- Terms and Conditions apply.
Warning: You must repay your loans. Do not pay any intermediaries.
Inquiries and complaints hotline: 6369 2338
Money Lender's License Number: 0751/2024
VCREDIT Finance Limited.
Have some questions while choosing the best Lending Company Loans?
Why are the interest rates of lending companies always higher than banks?
The interest rates offered by lending companies are generally higher than those offered by banks due to one main factor: risk assessment.
Lending companies typically have higher interest rates compared to banks owing to several factors. They primarily serve borrowers with lower credit scores or limited credit history, making them higher-risk candidates. To compensate for this elevated risk, lending companies charge higher interest rates as a precaution against potential losses.
Can I borrow money from lending companies without income proof?
Yes. If you cannot provide traditional income proof, you may explore alternative options or other lenders that cater to individuals with non-traditional income sources. These lenders may consider other factors, such as your assets, savings, or business revenue, as a basis for evaluating your repayment capacity.
Can companies lend money without proof of address?
Yes. In some cases, lending companies may accept proof of address in alternative forms, such as utility bills in family member's name at the same address with the proof of relationship, or a letter from your employer confirming your address. Each lending company may have its specific requirements and policies regarding address proof, so it's advisable to contact them directly to inquire about their options.
Can I borrow money from lending companies without proof of identity?
In most cases, no, but there may be some exceptions. It's advisable to contact lending companies directly to inquire about their specific requirements and whether they have alternative options available for those without their identity card as proof.
What are the consequences of late payment for lending companies?
Same as borrowing money from a bank, the consequences of late payment for lending companies depend on the terms and conditions in the agreement.
Lending companies typically impose late payment fees when borrowers fail to make their loan payments on time. These fees can vary in amount and may be a fixed fee or a percentage of the overdue payment.
If you consistently fail to make your loan payments on time, the lending company may initiate collection efforts to recover the overdue amount. This can involve contacting you via phone, email, or mail to request payment. In some cases, lending companies may engage debt collection agencies to recover the outstanding debt.
In extreme cases of non-payment, lending companies may pursue legal action to recover the unpaid amount. This can result in additional costs, such as legal fees, and may have long-term consequences on your credit history.
Does the law regulate lending companies and protect loan applicants?
To protect loan applicants, the licensing of money lenders and regulation of money-lending transactions are governed by the Money Lenders Ordinance, Chapter 163 of the Laws of Hong Kong.It sets out licensing requirements for money lenders and establishes rules on interest rates, fees, advertising, and debt collection practices.
APR vs Monthly Flat Rate: Which should I pay attention to?
Both APR and Monthly Flat Rate are common terms that will appear when looking for a loan. The APR represents the total cost of borrowing over a year, expressed as a percentage. It includes the nominal interest rate, as well as any additional fees or charges associated with the loan. The APR allows you to compare the cost of loans from different lenders on an annualised basis. It takes into account the interest rate, processing fees, administrative charges, and other costs, providing a more accurate representation of the true cost of the loan.
The Monthly Flat Rate, also known as the flat interest rate, is the interest charged on the loan amount every month. It is expressed as a percentage of the loan principal. The Monthly Flat Rate does not include additional fees or charges associated with the loan. It is a straightforward representation of the interest component of the loan repayment.
When comparing loan offers, you should consider the APR as it gives a more comprehensive view of the total cost of the loan. It considers both the interest rate and any additional fees or charges, providing a more accurate measure of the loan's overall cost. The APR allows you to compare loans with different interest rates and fees on an equal basis.
Lending Companies Loans Information
What are lending companies?
Lending companies, also known as money lenders, play a significant role in providing individuals in Hong Kong with access to much-needed funds. Lending companies serve as alternative sources of financing to traditional banks, offering a range of loan products with different features and terms. They typically have streamlined application processes, allowing you to apply for loans quickly and conveniently. This is particularly beneficial for individuals seeking prompt financial assistance.
What type of loan products do lending companies usually provide?
Lending companies in Hong Kong typically offer a variety of loan products to cater to the diverse financial needs of individuals. While the specific loan products may vary among different lending companies, here are some common types of loans:
Personal loans are one of the most common loan products offered by lending companies in Hong Kong. These loans are typically unsecured and can be used for various personal expenses such as a car, home renovations, travel, education.
Many lending companies also offer debt consolidation loans. Debt consolidation loans are specifically designed to help borrowers simplify their finances by combining multiple debts into a single loan. This type of loan allows borrowers to pay off their existing debts and consolidate them into one monthly payment, often with a lower interest rate and more favourable terms.
To support the financial needs of businesses, lending companies in Hong Kong also provide business loans. The money borrowed can be used for working capital, business expansion, purchasing equipment or inventory, or covering operational expenses.
What are the tiers of lending companies and how do they differ from each other?
All legitimate lending companies hold the same type of money lender licence, their money-lending transactions are regulated by the Money Lenders Ordinance, Chapter 163 of the Laws of Hong Kong. There is no official classification into first-tier and second-tier lending companies, the “tiers” is just a colloquial term to identify different money lenders' company scale, application channels and approval requirements.
In general, "second-tier" lending companies refer to those holding "lender licences" but are not members of the TransUnion Money Lenders Membership Programme and are smaller in scale. While "first-tier" usually means larger firms that are members of TU, they have stricter borrowing conditions based on credit ratings.
"Second-tier" lending companies do not check your TU rating before approving loans, making it easier to get approved. But the interest rates on these loans may be much higher. Your application and repayment records do not have any impact on your TU credit ratings.
What is the difference between lending companies vs banks on loan applications?
When it comes to applying for loans, borrowers often have the option of approaching either lending companies or banks. While both serve as sources of financing, there are notable differences between the two. Understanding these distinctions can help borrowers choose the most suitable option for their specific needs and circumstances.
Lending Company Loans |
Bank Loans |
|
Interest Rates |
Generally higher |
Generally lower |
Loan Approval Process |
More lenient |
More strict |
Requirements |
More flexible |
More strict |
Collateral |
Often unsecured |
Required for some loans |
Repayment Terms |
More flexible |
Less flexible |
Customer Service |
Less personalized |
Personalized |
Loan Amount |
Lower |
Higher depending on collateral |
Loan Purpose |
More flexible |
More strict |
What is the highest amount that lending companies in Hong Kong can provide?
The highest amount that lending companies in Hong Kong can provide as a loan depends on several factors, including the lending company's policies, the borrower's creditworthiness, and the purpose of the loan. For instance, higher creditworthiness generally means higher amounts, while lower credit scores can affect the eligibility of the loan.
Generally, lending companies in Hong Kong offer varying loan limits, and the maximum loan amount can range from thousands to millions of Hong Kong dollars.
How to select a suitable lending company to borrow money from?
When choosing a financial institution, there are various elements to consider before determining which one is best for you.
Legitimacy: It's essential to ensure that the company is legitimate and authorised to provide loans. Check if the lending company has the valid money lender's licence issued by the government. You can usually find this information on their website or Company Registry.
Your Requirements: Determine the purpose of the loan, the desired loan amount, and the repayment terms that would be most suitable for your financial situation. Remember to compare several different institutions to see which one offers the best interest rates, fees, and repayment terms.
Recommendations and Reviews: When your list of potential lenders has been narrowed down, seek recommendations from trusted sources, such as friends, family, or financial advisors, who may have experience with borrowing from these companies. Additionally, read customer reviews and testimonials to gauge the experiences of other borrowers with the company.
Terms and Conditions: Ensure that the interest rates, fees, penalties, and repayment schedules align with your financial goals and capabilities. Choose a company that provides clear and transparent information about their loan products and avoid companies that withhold or provide vague information.
What are the advantages of lending companies compared to bank loans?
While lending companies may charge higher interest rates and fees compared to banks, they also provide a range of advantages over traditional bank loans.
Lending companies tend to be more lenient in loan approval. That means even if you don't have a great credit score or much of a credit history, you might still be able to get a loan. If you only need a small amount of money and don't want to go through a long process to get it, some lending companies may offer smaller loans without the need to consult your credit history.
Working fast is one of the advantages lending companies provide. They often streamline their application processes, making it convenient and hassle-free. Many of them offer online applications, reducing the paperwork and time involved in getting a loan. The quick approval can be really helpful if you have an emergency or need money in a hurry.
Furthermore, they are flexible. Whether you require a small sum for a minor expense or a larger amount for a significant investment, you can often choose how long you want to take to pay back the loan, making it adaptable to your varying financial needs.
Best Loans from Lending Companies
In today's dynamic financial landscape, money lending companies have become increasingly popular as a source of financial assistance. With a multitude of lenders in the market, each offering its own unique loan products, it can be challenging to determine which one is the best fit for your needs. From personal loans to business financing and debt consolidation options, money lending companies provide a wide array of choices to suit different requirements.
Lending company loans with 7*24 Services
As financial needs can emerge unexpectedly, lending companies offer competitive rates as well as round-the-clock availability, ensuring that assistance is readily available whenever it is needed. Whether it's an unexpected expense, a business opportunity, or personal consumption, lending companies such as Promise, Aeon, PrimeCredit, and WeLend often offer the best rates while understanding the importance of quick and convenient access to funds.
Lending company loans with the most flexible repayment period
When it comes to borrowing money, finding a lending company that offers the most flexible repayment periods can make a significant difference in managing your finances. Lending company loans with flexible repayment options include PrimeCredit Fixed Loan, AEON Flexi Personal Loan Scheme, and UA i-Money Express Online Personal Loan, etc., you can find the ideal loan that fits your financial goals.
Lending company loans without income proof
Securing a loan without the need for traditional income proof can be a game-changer for individuals who have income sources that are difficult to verify or who are self-employed. If you fall into these categories and are in need of a loan, consider exploring options such as the UA "NO SHOW" Personal Loan, Cashing Pro Fast Personal Loan, and WeLend Personal Loan.These lenders provide waivers for income proof requirements, making it easier for self-employed individuals or those with irregular income streams to secure a loan.
Lending company loans with the lowest APR
Selecting a lending company that offers the lowest Annual Percentage Rate (APR) can have a great impact on the overall cost of borrowing and help you maximise your savings. By prioritising affordability, these lending companies aim to make borrowing more accessible and empower you to achieve your financial goals without straining your finances.Lending company loans with the highest loan amount
When it comes to accessing significant funds for major expenses or investments, finding lending companies that offer the highest loan amounts can be crucial. Whether you're looking to fund a home renovation, expand your business, or cover educational expenses, K Cash, WeLend, and AEON offer generous loan limits of HK$1 million or above to accommodate your financial needs.
Lending company loans without checking TU
When seeking loans, having a poor credit history or a low credit score can often lead to obstacles when it comes to securing financing. However, there are lending companies that offer loans without relying on TransUnion (TU) score. CreFIT and Grantit do not use TU for loan approvals, helping those with less-than-perfect credit to find suitable loan options and access the funds they need.
Overview of Popular Loan Products on MoneyHero: Repayment Periods and Maximum Annual Percentage Rates (APR)
Loan product | Repayment period | Highest APR | Example |
Promise Easy Loan | 3 Months - 84 Months | 4.49% or above, the highest is 48% | Loan amount of HK$200,000 with a 36-month repayment period, at an APR of 4.49%, the monthly repayment amount is HK$5,940, and a total repayment amount of HK$213,840 |
PrimeCredit Fixed Loan | 3 Months - 72 Months | 1.18% or above,the highest is 48% | The monthly repayment amount is HK$839, the total interest expense is HK$68, and the total repayment amount is HK$10,068 for a Loan amount of HK$10,000 with an interest rate of 0.6% per annum and a repayment period of 12 months |
WeLend Personal Loan | 3 Months - 84 Months | 1.88% or above, the highest is 48% | Loan amount of of HK$240,000 with a 36-month repayment period, at an APR of 3.03%, the total repayment amount is HK$251,189 |
DBS Debt Consolidation Loan | 3 Months - 84 Months | 6.38% or above, the highest is 30.57% |
Loan amount of HK$200,000 with a 48-month repayment period, at an APR of 10.42%, inclusive of a 2% loan opening fee, a monthly repayment amount of HK$4,967, and a total interest expense of HK$38,416
|
UA「NO SHOW」Personal Loan | 3 Months - 60 Months | 1.68% or above, the highest is 48.00% | Loan amount of HK$10,000, at an APR of 30%, 6 months instalment, the monthly repayment amount is HK$1,815, total repayment of HK$10,890 |
Standard Chartered Personal Instalment Loan | 12 Months - 60 Months | 1.85% or above, the highest is 36% | Loan amount of HK$200,000 with a 24-month repayment period, at an APR of 6.28%, the monthly repayment amount is HK$8,873.33 repayment per month and a total interest expense of HK$12,960 |
CNCBI $mart Plus Personal Instalment Loan | 12 Months - 72 Months | 1.65% or above, the highest is 38.08% | Loan amount of HK$200,000 with a 24-month repayment period, at an APR of 5.03%, handling fee of 1% of loan amount per annum, handling fee of HK$4,000 for the whole term, flat rate per month: 0.129%, total interest for the whole period of HK$6,192 |
Citi Speedy Cash Personal Loan | 6 Months - 60 Months | 1.78% or above, the highest is 35.78% | Loan amount of HK$3,500,000 with a 12-month repayment period, at an APR as low as 1.78% |
PrimeCredit Civil Servant & Professional Loan | 3 Months - 72 Months | 1.18% or above, the highest is 48% | Loan amount of HK$10,000 with a 12-month repayment period, at an interest rate of 0.6% per annum, the monthly repayment amount is HK$839, the total interest expense is HK$68, and the total repayment amount is HK$10,068 |
CNCBI $mart Plus Personal Installment Loan - Debt Consolidation | 12 Months - 60 Months | 7.33% or above, the highest is 38.08% | Loan amount of HK$20,000 with a 60-month repayment period, at an APR of 6.89%, fixed monthly fee of 0.20%, inclusive of 1% handling fee per annum, monthly repayment amount is HK$373 |
BOC Express Cash Instalment Loan Balance Transfer | 12 Months - 60 Months | 5.93% or above, the highest is 32.51%。 | Loan amount of HK$20,000 with a 24-month repayment period, at an APR of 10.01%, inclusive of 1% handling fee per annum, monthly repayment amount is HK$9,173 |
CCB (Asia) Personal Instalment Loan | 6 Months - 60 Months | 1.56% or above, the highest is 13.00% | Loan amount of HK$400,000 with a repayment period of 60 months, with a monthly repayment amount of HK$7,747 |
WeLend Card Debt Consolidation Loan | 3 Months - 84 Months | 1.88% or above, the highest is 48% | Loan amount of HK$360,000 with a repayment period of 60 months, at an APR of 8.05%, and the total repayment amount is HK$422,578 |
PrimeCredit Balance Transfer Loan | 3 Months - 72 Months | 1.18% or above, the highest is 48% | Loan amount of HK$10,000 with a repayment period of 12 months, at an interest rate of 0.6% per annum, the monthly repayment amount is HK$839, the total interest expense is HK$68, and the total repayment amount is HK$10,068 |
AEON Flexi Loan | 6 Months - 60 Months | 4.49% or above, the highest is 36% | Loan amount of HK$600,000 with a repayment period of 12 months, at an APR of 4.49%, total interest of HK$14,400 and total repayment of HK$614,400. |
Hang Seng Debt Consolidation Instalment Loan | 6 Months - 72 Months | 6.68% or above, the highest is 36% | Loan amount of HK$150,000 with a repayment period of 72 months, at an APR of 4.63%, and a total loan repayment amount of HK$171,604.80. |
UA i-Money Express Online Personal Loan | 3 Months - 60 Months | 1.68% or above, the highest is 36% | Loan amount of HK$10,000 with a repayment period of 6 months, at an APR of 30%, a monthly repayment amount of HK$1,815, and a total repayment amount of HK$10,890 |
Promise Easy Loan | 3 Months - 84 Months | 1.12% or above, the highest is 48% | Loan amount of HK$200,000 with a repayment period of 36 months, at an APR of 4.49%, a monthly repayment amount is HK$5,940 and a total repayment amount of HK$213,840 |
CreFIT ClearCard Debt | 3 Months - 24 Months | 1.98% or above, the highest is 36% | Loan amount of HK$200,000 with a repayment period of 24 months, at an APR of 8%, a monthly repayment amount is HK$9,019.33 and a total repayment amount of HK$16,464.00 |
OCBC Bank Personal Loan | 6 Months - 60 Months | 2.16% or above, the highest is 36% | Loan amount of HK$1,500,000 with a repayment period of 12 months, at an APR of 2.16% (including HK$9,000 cash rebate) or 3.30% (excluding cash rebate), inclduing the annual 1% handing fee, total repayment amount is HK$16,464.00 |