Answer
- You must be at least 18 years of age and a Hong Kong resident with stable income (Housewife applicant will also be considered if spouse has stable income). You can apply for a loan online using our website. This is the only channel we accept for loan applications.
- Our credit approval usually takes as little as 30 minutes during business hours. The result s informed by SMS. There are cases in which can take longer.
- For verification purpose, there are cases that we contact your company. To protect the privacy of customers, we will contact by the name of our loan officer.
- Interest = Principal outstanding x yearly interest rate / 365 * days elapse
- You are required to submit auto-debit authorization form once your loan is approved. Monthly repayment is deducted automatically from your bank account on your monthly due date.
- We offer some of the most competitive interest rates in the industry. Rate varies depending on your loan amount. You can refer to our repayment page for details.
As an account holder, please log in My Account found on our website for the details of loan balance, repayment amount and transaction information.
- No correspondences, including monthly statement, would be sent to your home or company. However, there are cases that delinquent notices are sent to your home and / or company in case your loan account is in default.
- We offer some of the most competitive interest rates in the industry. The interest rate varies depending on your loan amount. Please refer to the repayment page for your best rate.
- After you submit your online application, your results (sent by SMS) will be available in about 30 minutes. If conditionally approved, you will be requested to fax us the following documents for verification:-.
- HKID copy
- Monthly statement, bank book or ATM card copy (Your name and account number on the document is required)
- Copy of proof of residency
- Copy of proof of income
- No, you can apply for the loan only using our online application.
- Yes, we provide phone assistances to handle your questions regarding your loan application. You can call us at 3798-8000 during business hours.
Answer
- You must be at least 18 years of age and a Hong Kong resident with stable income (Housewife applicant will also be considered if spouse has stable income). You can apply for a loan online using our website. This is the only channel we accept for loan applications.
- Our credit approval usually takes as little as 30 minutes during business hours. The result s informed by SMS. There are cases in which can take longer.
- Please provide income proof (e.g. bank statement, latest payroll advice) for your loan application.
- For verification purpose, there are cases that we contact your company. To protect the privacy of customers, we will contact by the name of our loan officer.
- No correspondences, including monthly statement, would be sent to your home or company. However, there are cases that delinquent notices are sent to your home and / or company in case your loan account is in default.
- Our website is best viewed with Internet Explorer6.0, Firefox3.6, Chrome 11, Safari 4.x, Opera11 or above at 1024 X 768 resolution.
- “We lend up to 15 times of monthly salary and our loans range from HKD5,000 – HKD300,000 . Loan offers are based on your personal needs, your monthly income and other questions you answer on our application form.”
- Applicants must be at least 18 years old to apply.
- Part-time workers are eligible to apply.
- After you submit your online application, your results (sent by SMS) will be available in about 30 minutes. If conditionally approved, you will be requested to send by fax of the following documents for verification:-.
- 1. HKID copy
- 2. Monthly statement, bank book or ATM card copy (Your name and account number on the document is required)
- 3. Copy of proof of residency
- Copy of proof of income
- Yes. Keeping your personal information secure and confidential is one of our most important responsibilities. We have taken a number of measures to keep our process completely confidential and secure. You can review the details in our Online Security and Privacy Policy Statement.
- We require no collateral or guarantor.
- No, all loan procedures can be completed using only the Internet.
- You can access our online application from your smart mobile phone.
- We do not accept applications by phone or / by visiting a branch. You can only apply online.
Answer
- Interest = Principal outstanding x yearly interest rate / 365 * days elapse
- Returning (existing) customers can apply online by logging into My Account on our website.
- Returning (existing) customers can apply online by logging in My Account on our website. Your result would be available as little as 30 minutes.
- Yes, we will deposit the borrowed amount directly into your bank account immediately after approval subject to the bank’s operating hours.
- If your application is approved and verified by 15:00, we can deposit your borrowed money to your bank account as early as the same business day subject to the bank’s operation hours.
- We will not charge any handling fee to deposit your borrowed money. However, your bank might charge you a handling fee for receiving the deposit.
- No, correspondence (including monthly statement) will not be sent to your home or company. However, there are cases that a delinquent notice will be sent to your home or company in case your loan account becomes default.
Answer
- You are required to submit auto-debit authorization form once your loan is approved. Monthly repayment is deducted automatically from your bank account on your monthly due date.
- We offer some of the most competitive interest rates in the industry. Rate varies depending on your loan amount. You can refer to our repayment page for details.
As an account holder, please log in My Account found on our website for the details of loan balance, repayment amount and transaction information.
- We do not charge any “penalty charge” for default, only the normal interest accrued on the outstanding principal amount.
- We do not support changes of due date at the moment.
- Yes, you can pay off your loan early. You can always contact us at 3798-8000 to confirm the required amount.
- All loans are due on the next day of your pay date (or next banking clearing day), unless your next pay date is less than fourteen days away.
E.g. Loan agreement date is July 20th and the pay date is on 1st which is 13 days from the loan agreement date, the initial repayment date would be 2nd September.
- If you are unable to make your scheduled payment, please contact us at 3798-8000.
- There are cases we send out a delinquent notice to your home or company if your account is default.
- Loans are due on the next day of your pay date (or next bank clearing day), unless your next pay date is less than fourteen days away.
E.g. Loan agreement date is July 20th and the pay date is on 1st which is 13 days from the loan agreement date, the initial repayment date would be 2nd September.
- We offer some of the most competitive rates in the industry. The rate varies depending on your loan amount. You can refer to the repayment page for details.
For account holder, please log into My Account on our website for the details of loan balance, repayment amount and transaction information.
- You can confirm your loan balance, repayment amount and transaction information by logging in under My Account found on our website.
Answer
- Please inform us of changes by logging in under My Account under our website.
- Please inform us of changes by logging in under My Account under our website.
- You are required to inform us for changes in accordance to the loan agreement. Please inform us for changes of the following personal particulars by logging into “My Account” on our website for changes in following items:-
Name, resident address, home phone, mobile phone, company under employment, company phone number, pay date and / or e-mail address.
- At the moment, we do not support changes to the monthly due date.
Answer
- Please log in with the account number and password we sent you during loan contract.
- You can check the loan details in accordance loan agreement.
- Please use the email form (Contact Us) to inform us. We will remind you by sending SMS to your registered mobile number. If you are still having other difficulties, please contact us via email or hotline.
Who can apply?
Does the approval process take long?
Is it a must to provide proof of income?
Do you call my home or office for verification?
Is there any correspondence sent to my home or company?
Any limitation on the use of browser for loan application?
How much can I borrow?
Is there any age limitation for loan application?
I am working part-time. Am I eligible to apply?
What documents do I need to apply for a loan?
Is my information secure and kept confidential?
Do I have to pledge any personal property as collateral? Do I need any guarantor?
Do I have to visit any branch in person?
Where can I apply for a loan if I do not have a computer?
Can I apply by phone?
