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Personal loans

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Personal loans

We provide instant approval of private loans.
It can be applied by employed persons, self-employed persons,
tertiary students, and housewives.
It is exempted from credit score in the way to solve your short-term financial needs.

Exempt from credit score even grade GHI
One-minute online application and cash out instantly
Apply online with simple documents
Daily calculation of interest, borrow and repay whenever you want
Exempt from handling fee, loan-to-value ratio 100%

*Remark: A maximum limit of HKD20,000 in loan amount applies to applicants who only provide their HKID and mobile phone number during application. Submitting additional supporting documents may help you obtain the ideal loan amount. Hong Kong Finance Company Limited reserves the right to change the terms at any time and the right of final decision on the approval of loans.

Loan amount
$
Interest rate (per annum)
%
Repayment period (months)
months
Monthly installment 0

If the address search on the left does not return the required address, please contact us for property valuation via E-mail.

Case sharing

happy girl

Overspent in trip

Ms. Cheung traveled to Europe last week and spent much when shopping, her credit card was thus overspent. At the beginning she intended to settle the minimal payment until the year-end bonus received. However, her friend reminded her that the interest on minimal payment was extremely high. It would be difficult for her to restore financial health. Her friend recommended Ms. Cheung to apply for a personal loan from Hong Kong Finance. The procedure was simple and could be done online. It was much easier for Ms. Cheung to clear the loan.

happy girl

New birth baby causes extra expenditure

Mr. Man was a civil servant with stable income. He had ushered a new life in his family, causing an additional expense exceeded expectation. For not willing to borrow money from relatives and friends, Mr. Man searched on internet and he found a personal loan from Hong Kong Finance. It was a loan that has a flexible repayment period and had no penalty period, so that he could settle the payment as soon as possible. In the end Mr. Man just spent half a year to clear the loan upon an increment of salary after promotion.

Ms. Cheung traveled to Europe last week and spent much when shopping, her credit card was thus overspent. At the beginning she intended to settle the minimal payment until the year-end bonus received. However, her friend reminded her that the interest on minimal payment was extremely high. It would be difficult for her to restore financial health. Her friend recommended Ms. Cheung to apply for a personal loan from Hong Kong Finance. The procedure was simple and could be done online. It was much easier for Ms. Cheung to clear the loan.

Mr. Man was a civil servant with stable income. He had ushered a new life in his family, causing an additional expense exceeded expectation. For not willing to borrow money from relatives and friends, Mr. Man searched on internet and he found a personal loan from Hong Kong Finance. It was a loan that has a flexible repayment period and had no penalty period, so that he could settle the payment as soon as possible. In the end Mr. Man just spent half a year to clear the loan upon an increment of salary after promotion.

FAQ

How do I repay a personal loan?

To save you the hassle of repayment, we allow for repayments via automatic bank transfer. With this option, you can easily make repayments on time and avoid additional fees incurred by forgetting to pay.

How is the interest of Personal Loans calculated?

The interest of Personal Loans for Salaried Employees = outstanding principal balance x annual interest rate/ 365 x tenor (days).

What are the requirements of Personal Loan application?

Any Hong Kong residents aged 18 or above, with a permanent job and monthly salary proof, is welcome to apply for loans.

How soon can Personal Loans applicant receive the loan?

We strive to finish the approval process and transfer the fund within 30 minutes after receiving all the required documents and information. Our goal is to give you the much-needed cash in a day.

Can I apply for loans if I receive my wages in cash or cheque or have no proof of income document?

Our decisions on loan approval are not only determined by how you receive your income and whether you have proof of income documents. We review each application for Personal Loans for Self-employed People based on the applicant’s overall economic status and repayment ability.

Is there a minimum loan period for Personal Loans?

The Personal Loans have no minimum loan period. The interest is calculated based on the actual number of days in the loan period. No default interest will be charged in case of early settlement.

Is there any default interest or handling fee incurred by early settlement?

All Personal loans at Hong Kong Finance are exempted from handling fee or default interest. The application involves simple steps with zero handling fee, and there is also no default interest for early settlement. Loan services are more flexible at Hong Kong Finance!

Is there a handling fee for Personal Loans application?

There is no handling fee for the application of loans. There won’t be any charge in the case an applicant’s loan is not approved or cancelled, or in the case an applicant does not confirm or accept the loan.

How long is the approval process of Personal Loans?

It usually takes only about 30 minutes for the approval of loans after the applicant has submitted documents and information required for the application.

Why is Personal Loans a better option than credit card overdraft?

Due to the difficulty in getting personal loans, many self-employed people turn to credit card overdraft for cash advance. Yet, this alternative can easily turn into the habit of repaying only monthly minimum card payments in the long term. With the help of Hong Kong Finance EasyLend Personal Loans, there will be a fixed monthly repayment program. Applicants could repay their loans and clear their debts according to the approval plan.

How long is the approval process for Personal Loans?

Normally, the application only takes 30 minutes upon the submission of all the required documents and information.

How do I repay a personal loan?

To save you the hassle of repayment, we allow for repayments via automatic bank transfer. With this option, you can easily make repayments on time and avoid additional fees incurred by forgetting to pay.

Is there any default interest or handling fee incurred by early settlement?

All Personal loans at Hong Kong Finance are exempted from handling fee or default interest. The application involves simple steps with zero handling fee, and there is also no default interest for early settlement. Loan services are more flexible at Hong Kong Finance!

How is the interest of Personal Loans calculated?

The interest of Personal Loans for Salaried Employees = outstanding principal balance x annual interest rate/ 365 x tenor (days).

Is there a handling fee for Personal Loans application?

There is no handling fee for the application of loans. There won’t be any charge in the case an applicant’s loan is not approved or cancelled, or in the case an applicant does not confirm or accept the loan.

What are the requirements of Personal Loan application?

Any Hong Kong residents aged 18 or above, with a permanent job and monthly salary proof, is welcome to apply for loans.

How long is the approval process of Personal Loans?

It usually takes only about 30 minutes for the approval of loans after the applicant has submitted documents and information required for the application.

How soon can Personal Loans applicant receive the loan?

We strive to finish the approval process and transfer the fund within 30 minutes after receiving all the required documents and information. Our goal is to give you the much-needed cash in a day.

Why is Personal Loans a better option than credit card overdraft?

Due to the difficulty in getting personal loans, many self-employed people turn to credit card overdraft for cash advance. Yet, this alternative can easily turn into the habit of repaying only monthly minimum card payments in the long term. With the help of Hong Kong Finance EasyLend Personal Loans, there will be a fixed monthly repayment program. Applicants could repay their loans and clear their debts according to the approval plan.

Can I apply for loans if I receive my wages in cash or cheque or have no proof of income document?

Our decisions on loan approval are not only determined by how you receive your income and whether you have proof of income documents. We review each application for Personal Loans for Self-employed People based on the applicant’s overall economic status and repayment ability.

How long is the approval process for Personal Loans?

Normally, the application only takes 30 minutes upon the submission of all the required documents and information.

Is there a minimum loan period for Personal Loans?

The Personal Loans have no minimum loan period. The interest is calculated based on the actual number of days in the loan period. No default interest will be charged in case of early settlement.

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