Personal Loan Comparison

【X Wallet Welcome Rewards】Apply for X Cash A.I. Loan  Enjoy up to $1,800 welcome rewards!

Promotion Code: MR1800

Promotion Period: From 1 October 2024 to 30 November 2024

Promotion Detail:

(1)   Eligible new customers who successfully apply for X Cash.AI Express Loan for the first time, entering the promotion code “MR1800” during the application process, regardless of whether the application is approved or not, he/she can obtain $300 X Pay E-cash Voucher.

(2)   Eligible new customers who successfully apply for X Cash.AI Express Loan (for the first time with an approved loan amount of $20,000 or above, will be entitled to have a $1,500 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 $20,000 or above within 120 days upon loan contract confirmation day. To enjoy the promotional offer, the above promotion code “MR1800” must be entered during the loan application, and no subsequent supplements or changes will be accepted.

• X Pay E-cash Voucher will be issued 30 days after the last day of the month from the day of successful application. The promo code will be issued automatically to X Wallet and will have an in-app message to notify eligible customers about the completion of the rewards distribution.
• The additional $1,500 Cash Rebate will be automatically credited to the X Wallet 120 days after the last day of the month in which the loan agreement is confirmed and will have an in-app message to notify eligible customers about the completion of the reward distribution.
• To withdraw the rewards, customers can login to X Wallet, click on “Bank Details” on the “Rewards” page, and fill in your Hong Kong bank account details. The rewards will be credited to the designated Hong Kong bank account in about two working days (public holidays or Saturdays and Sundays are not considered as working days).

Terms and Conditions

1. This promotional offer (the “Promotion”) is valid from 1 October to 30 November 2024, both dates inclusive (the “Promotion Period”).
2. Eligible new customers who successfully apply for X Cash.AI Express Loan for the first time, regardless of whether the loan is successfully approved or not, they are entitled to receive a $300 X Pay E-cash Voucher. This offer does not apply to new customers who have applied for X Cash.AI within the past 12 months (i.e. 1 October 2023 onwards) of this promotion.
3. The promotion is only applicable to new eligible customers who successfully apply and confirm the X Cash.AI loan contract for the first time during the promotion period, with a loan amount of $20,000 or more, where customers who do not have a loan account within 12 months from the date of confirmation of the loan contract.
4. “New customer” refers to those who have not held X Wallet loan account in the past 12 months from the date of confirming the loan contract.
5. To enjoy the promotion, the promotion code “MR1800” must be entered during the loan application process, and no subsequent supplements or changes will be accepted.
6. Use of the X Pay E-cash Voucher is subject to terms and conditions. For E-cash Voucher Terms and Conditions of the service, please refer to https://zero-xpay.com/
7. New customers who successfully apply for X Cash.AI Express Loan for the first time with an approved loan amount of $20,000 or above, and a daily loan balance need to maintain $20,000 or above within 120 days upon loan contract confirmation day to entitle additional $1,500 Cash Rebate.
8. The time for submitting loan applications is subject to the computer records of Zero Finance Hong Kong Limited (the company). Late applications will not be accepted.
9. Customer will only entitle this offer once during the promotion period. The offer cannot be used in conjunction with other promotion offers.
10. Zero Finance Hong Kong Limited will be deemed to have waived its liability when the coupon code rewards are credited to X Wallet’s account. 
11. The offer is neither transferable, cancellable nor returnable. The Company reserves the right to replace the E-cash Voucher with another of equal value without prior notice.
12. The Company is not the supplier of the voucher and is not responsible for the voucher. The supplier is solely responsible for any liability in relation to the voucher. If you have any queries, comments, or complaints regarding the voucher, please contact the supplier directly.
13. The company reserves the right to verify the customer’s identity. Customers will be disqualified from the offer without prior notice if the personal information provided is found to be unknown, unclear, or missing and unable to contact the customers or verify the customer’s identity.
14. All the personal information collected will follow the personal data privacy policies of the company.
15. The company will not accept any liability for any problems due to computer, network, telephone, and other technical issues which cause the customer to delay or miss submitting an application. The customers cannot take any legal action or investigation against the company.
16. The company reserves the right to amend the terms and conditions of this offer or stop this loan promotion program at any time without prior notice. Any matter or dispute regarding the offer or the terms and conditions, the company reserves the right of final decision.
17. The company reserves the right to disqualify the eligibility of the customers and withdraw the rewards if the personal information provided is found to be fake or any actions breach of the terms and conditions.
18. By participating in the offer, each customer agrees to be bound by these terms and conditions. The company reserves the right to disqualify the eligibility of customers, withdraw the offer and proceed with legal action, if any breach of terms and conditions.
19. If the customer closes, cancels or settles his/her X Cash.AI Express Loan account before the reward is issued, all rewards will be canceled immediately.

If there is any inconsistency or ambiguity between the English version and the Chinese version, the Chinese version shall prevail. In case of any dispute, the company reserves the right of final decision.

The monthly repayment results of the "mReferral Personal Loan Calculator" are for reference only. All subject to the final approval and announcement of Zero Finance.

CNCBI Personal Installment Loan Tax Season Offer 

Up to HK$16,800 Cash Rebate 

• Loan amount as high as HK$2,000,000 or 21 times of your monthly salary (whichever is lower)
• Flexible repayment period of 12 to 72 months
• Save interest expenses with personalized interest rate; Monthly flat rate as low as 0.20% (Annualized Percentage Rate is 6.46%^1,2 with repayment tenor of 12 months and include 1% handling fee per annum).

Customers apply for and successfully draw down $mart Plus Personal Installment Loan including Personal Instalment Loan, Debt consolidation and Top Up Loan ("the Loan") from China CITIC Bank International Limited through eChannels (including inMotion Mobile App, Corporate Website, iBanking or specified link on promotional page) during the designated promotional period and satisfy the specified repayment tenor and loan amount shall be entitled to the following offers:

Up to HK$16,800 Cash Rebate

Customers who apply for and successfully draw down a loan amount of HK$50,000 or above with a repayment tenor of 24 months or above during the period of October 2, 2024, to December 31, 2024 (both days inclusive) shall be entitled to the following Cash Rebates:

Remarks: + If customers apply for top-up loan, the loan amount will be calculated by the actual cash out approved top up loan amount.

1. The Annualized Percentage Rate (“APR”) is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate.
2. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
3. The handling fee is charged annually based on the loan amount and shall be deducted upon loan drawdown.

Application requirements

• Hong Kong residents aged 18 or above with a monthly salary of HK$7,000 or above

Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!

Terms and conditions: https://www.cncbinternational.com/_document/personal/personal-loans/en/tax2410.pdf 

CNCBI Personal Installment Loan Tax Season Offer 

APR as low as 1.65%^1,2 and up to HK$16,800 Cash Rebate 

• Flexible repayment period of 6 to 60 months
• Loan amount as high as HK$2,000,000 or 18 times of your monthly salary（whichever is lower)
• Same-day fund disbursement to your CNCBI account³

Customers apply for and successfully draw down $mart Plus Personal Installment Loan including Personal Instalment Loan, Debt consolidation and Top Up Loan ("the Loan") from China CITIC Bank International Limited through eChannels (including inMotion Mobile App, Corporate Website, iBanking or specified link on promotional page) during the designated promotional period and satisfy the specified repayment tenor and loan amount shall be entitled to the following offers:

Up to HK$16,800 Cash Rebate

Customers who apply for and successfully draw down a loan amount of HK$50,000 or above with a repayment tenor of 24 months or above during the period of October 2, 2024, to December 31, 2024 (both days inclusive) shall be entitled to the following Cash Rebates:

Remarks: + If customers apply for top-up loan, the loan amount will be calculated by the actual cash out approved top up loan amount.

Remarks

1. The Annualized Percentage Rate (“APR”) is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. The APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate.
2. The APR 1.65% is calculated based on loan amount HK$2,000,000, a repayment tenor of 12 months and a monthly flat rate of 0.032%, including a handling fee of 0.5% per annum. The handling fee of 0.5% is only applicable  for a repayment tenor of 12 months and a loan amount of HK$2,000,000. The handling fee of 1% is for other scenario. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
3. Same-day fund disbursement service is applicable to customers who use CNCBI bank account for fund disbursement, and it only applies to our Bank’s service hours (Monday to Friday from 9:00 am to 8:00 pm and except Saturday, Sunday and public holidays). The processing time starts when the approved loan is confirmed with the Bank
4. The handling fee is charged annually based on the loan amount and shall be deducted upon loan drawdown.

Application requirements

• Hong Kong residents aged 18 or above with a monthly salary of HK$7,000 or above

Terms and conditions apply. 

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

Terms and conditions: https://www.cncbinternational.com/_document/personal/personal-loans/en/tax2410.pdf

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

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

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

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

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

Remarks

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

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

# The Annualised Percentage Rate is 1.85% (for clients with loan amount of HKD$1,500,000 or above and tenor of 12 months). APRs are reference rates which include the basic loan interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The preferential interest rates are only applicable to clients who are not holding any Standard Chartered Credit Cards/Personal Loan at the time of this application. The Bank reserves the right to determine the applicable loan interest rate and handling fee, and to approve a person instalment loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions

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

2. For every HKD1,000 loan amount.

3. The above Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable). This APR does not include cash rebate.

The Annualised Percentage Rate ranged from 1.85% to 36% and flexible repayment period of 12 to 60 months. An APR is a reference rate which includes the basic loan interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.

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

Notes regarding the Personal Loan:

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

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

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

mReferral Exclusive Offer: 

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

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

Features

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

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

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

Product Features 

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

Things you need to know 

• The above information is for reference only. For details, please visit Bank of China (Hong Kong) Limited (“BOCHK”) website 
• For details of promotion offers and terms and conditions, please refer to BOCHK website 
• The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider’s approval. 

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

mReferral Exclusive Offer: 

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

Features

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

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

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

Requirement:

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

Remarks:

• The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and monthly flat rate of 0.0830%. The Annualized Percentage Rate (APR) is 1.85%
• The above information is for reference only. For details, please visit Bank of China (Hong Kong) Limited (“BOCHK”) website 
• For details of promotion offers and terms and conditions, please refer to BOCHK website 

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

Enjoy our limited time Welcome Offer! Eligible New Customers who withdraw their loans from 1 October 2024 to 31 December 2024, will receive a cash reward of up to HK$15,000▲.

• This welcome offer does not apply to New Customers whose annual interest rate as stated in their respective loan agreement is 4.4% (i.e. monthly flat rate of 0.2%) or below.
• Subject to Terms and Conditions of promotion. For Terms and Conditions details, please visit website of Promise.
• In case of disputes regarding this offer, the decision of Promise (Hong Kong) Co., Ltd. shall be final and conclusive.
• Promise (Hong Kong) Co., Ltd. reserves its right to approve any loan applications and / or reward redemption and is entitled to revise the above said Terms and Conditions as it sees fit without prior notice.
• All examples and information of interest rate are for reference only, and any final approval is subject to actual circumstances of individual loan applicant.
• ^"Instant Money Transfer" applies to loans that are transferred via Faster Payment System (FPS), which subject to the system maintenance periods.
• *"Apply Anywhere" is only applicable to customers who choose to sign the loan agreement online and fulfill the loan conditions of "signing loan agreement online". Customer can also choose to sign the loan agreement in any of our branches.
• #For application, only HK ID card and mobile phone will be required for working people. If customers can only provide HK ID card and mobile phone, the maximum loan amount will be HK$100,000. A more ideal loan amount might be approved, if additional documents can be provided.
• ⦿"Instant Approval" is limited to online application which is a preliminary approval result. We reserve the right of final approval.
• ◆The maximum loan amount for "Freelancer" will be HK$100,000.
• ■The annual percentage rate (APR) is subject to actual circumstances of individual personal loan applicant.
• Warning: You have to repay your loans. Don't pay any intermediaries.
• Money Lender’s Licence Number : 0941/2024
• Enquiry and Complaint Hotline : 3199 1199
• Promise (Hong Kong) Co., Limited.

【X Wallet New Welcome Rewards】Get total up to $15,000 Reward Offer for X Debt Consolidation Loan

Promotion Period: 15 July 2024 – 31 December 2024

Promo code: MRDC

• Eligible New customers who apply for the Zero Finance X Debt Consolidation Loan for the first time and enter the specified promotion code during the application process, with a repayment period of 24 months or above, eligible customers who have successfully borrowed the designated amount of loan will be entitled to cash rebate.
• 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.
• To enjoy this offer, customers must download and install the X Wallet App.  Only applications submitted through the X Wallet App are eligible for this promotion.
• Eligible Customers must have an account in normal active status on or before the promotional billing date ,late payment, frozen account, bad debt, etc. are regarded as abnormal accounts, and will not be able to enjoy the offer.
• Eligible Customers who cancel the loan on or before the promotional redemption date will not be entitled to the offers. Customers who choose to repay the loan early will be required to return the cash rebate enjoyed under the applicable promotional offer.
• Eligible Customers’ designated amount of relevant rebates will be released to X Wallet within a specified timeframe and notified to Eligible Customers via a message in the X Wallet mobile application, please refer to the Terms and Conditions for the specified release schedule.

Promotion Details:

Terms and Conditions

1. The promotion period is valid from 15 July 2024 to 31 December 2024 (inclusive of both days), referred to as the “Promotion Period.
2. By applying for the “X Debt Consolidation Loan” , the applicant is deemed to have read, understood, and accepted these terms and conditions. The company reserves the right to change the terms and conditions, as well as the loan rates, fees, and other amounts.
3. The provided personal information must be true and accurate. If there are any changes to personal information (including name, residential and mailing addresses, phone number, email address, or work details), the applicant should notify Zero Finance promptly for updates.
4. Approval of the loan and the terms applicable to the loan (including amount, repayment period, and loan interest rate) are at the absolute discretion of Zero Finance and depend on whether the applicant meets the following conditions to the satisfaction of Zero Finance:
   1. Providing all required documents that Zero Finance needs and can verify independently.
   2. Zero Finance reviewing and being satisfied with the applicant’s credit records with credit reference agencies.
5. Zero Finance reserves the right to set the terms and conditions of the loan, including requiring the approved loan amount to be used to fully or partially settle the applicant’s credit card or loan debts. The applicant agrees that upon successful loan application and disbursement:
   1. The funds will be used to repay the applicant’s full or partial credit card or loan debts.
   2. The applicant shall provide relevant repayment/account settlement proof and/or termination records upon Zero Finance’s request (e.g. repayment, account settlement, or credit limit reduction records).
6. The handling fee for loan processing is waived.
7. The applicant agrees to make monthly repayments on the designated repayment date. If the specified date for repayment does not exist in a particular month, the last day of that month will be considered the repayment date.
8. If the applicant fails to repay the amount due on time, interest must be paid according to the loan agreement’s provisions.
9. Zero Finance reserves the right to modify these terms and conditions without prior notice.
10. Zero Finance has the right to take any steps and actions it reasonably deems appropriate to demand repayment of the loan, and interest, and enforce these terms and conditions. This may include hiring lawyers and third-party debt collection agents to recover any debts owed to Zero Finance. The applicant shall be responsible for reimbursing Zero Finance for all reasonable expenses incurred as a result of such steps and actions. The applicant also agrees and authorizes Zero Finance to disclose relevant information to such parties for debt recovery purposes.
11. Any action or omission, delay, or failure to exercise or enforce any right by Zero Finance does not constitute a waiver of that right. The partial or one-time exercise of any right or any improper exercise of any right by Zero Finance does not prevent Zero Finance from exercising that right again or exercising any other rights.
12. Any person who is not a party to these terms and conditions cannot enforce any provision of these terms and conditions under the Contracts (Rights of Third Parties) Ordinance (Chapter 623 of the Laws of Hong Kong).
13. If the customer applies for “X Debt Consolidation Loan” and the loan is successfully approved and disbursed, the Customer is required to repay all or part of the Customer’s outstanding credit card or loan amount after the loan has been successfully applied for and disbursed, and to provide proof of repayment/account settlement and/or termination of record, e.g. repayment, account settlement or credit limit downward adjustment record, upon the Company’s request.
14. A new customer is defined as someone who has not had any form of loan transaction with the company (Zero Finance Hong Kong Ltd and X8 Finance) within the preceding 12 months from the application date.
15. Customers can only receive this offer once during the promotion period of this promotion program, and the number of coupon code rewards is limited while stock lasts.
16. To enjoy this offer, customers must first download and install the X Wallet App. Only applications submitted through the X Wallet App will be eligible for this offer. If the loan application is made through other channels, no rewards from this program will be granted.
17. Any rewards under this promotional program cannot be transferred, revoked, or refunded. The company reserves the right to replace them with other electronic cash vouchers of equal value without prior notice.
18. The rewards consist of two parts: X Pay e-cash vouchers and cash rebates and is applicable to eligible customers.
    • Part 1: Eligible customers who repay the installment loan amounts for the first to third installments on time will receive X Pay electronic cash voucher rewards, which will be issued to their X Wallet within 4 weeks.
    • Part 2: Eligible customers who repay the installment loan amounts for the first to thirteenth installments on time will receive cash rebate rewards, which will be issued to their X Wallet within 4 weeks and notified through messages in the X Wallet mobile application.
19. The use of X Pay e-Cash Coupons is subject to terms and conditions. Please refer to the relevant X Pay e-Cash Coupon or contact the relevant company for the terms and conditions of the X Pay e-Cash Coupon service. https://zero-xpay.com
20. Eligible customers must set up Direct Debit Authorization at the time of loan contract confirmation. If other methods of payment are used, the promotion will not be applicable.
21. Eligible customers must have their accounts in normal active status (overdue payments, frozen accounts, bad accounts, etc.) on or before the promotion posting date to be eligible for the promotion.
22. Eligible Customers who cancel the loan on or before the promotional redemption date will not be entitled to the offers. Customers who choose to repay the loan early will be required to return the cash rebate enjoyed under the applicable promotional offer.
23. The company reserves the right to verify the applicant’s identity information for verification purposes. If the information provided by the applicant is incomplete, unclear, missing, or if the applicant cannot be contacted or their identity cannot be confirmed, the company reserves the right to cancel the eligibility for the promotion without further notice.
24. All collected personal data will be handled in accordance with the company’s privacy policy regarding personal privacy.
25. The company shall not be held legally responsible for any delays or losses in customer-submitted data caused by computer, network, telephone, or technical malfunctions. Customers shall not hold the company liable for any claims.
26. The company reserves the right to revise the terms and conditions of this promotional program or to terminate the loan promotion program at any time without prior notice.
27. If the company discovers during or after the promotional period of the program that any customer has provided false information or failed to comply with the terms and conditions, the company reserves the right to cancel their eligibility for the promotional offer and the benefits received.
28. In case of any discrepancy between the Chinese and English versions of the terms, the Chinese version shall prevail. In case of any dispute, the company reserves the final decision-making authority.

The monthly repayment results of the "mReferral Personal Loan Calculator" are for reference only. All subject to the final approval and announcement of Zero Finance.

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

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

Notes regarding the Decoration Loan: 

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

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

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

【X Wallet New Welcome Rewards】Get total up to $15,000 Reward Offer for X Loan

Promotion Period: 15 July 2024 – 31 December 2024

Promo code: MRPL

Promotion Details:

• Eligible New customers who apply for the Zero Finance X Loan for the first time and enter the specified promotion code during the application process, with a repayment period of 24 months or above, eligible customers who have successfully borrowed the designated amount of loan will be entitled to cash rebate.
• 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.
• To enjoy this offer, customers must download and install the X Wallet App.  Only applications submitted through the X Wallet App are eligible for this promotion.
• Eligible Customers must have an account in normal active status on or before the promotional billing date (late payment, frozen account, bad debt, etc. are regarded as abnormal accounts), and will not be able to enjoy the offer.
• Eligible Customers who cancel the loan on or before the promotional redemption date will not be entitled to the offers. Customers who choose to repay the loan early will be required to return the cash rebate enjoyed under the applicable promotional offer.
• Eligible Customers’ designated amount of relevant rebates will be released to X Wallet within a specified timeframe and notified to Eligible Customers via a message in the X Wallet mobile application, please refer to the Terms and Conditions for the specified release schedule.

Terms and Conditions

1. The promotion period is valid from 15 July 2024 to 31 December 2024 (inclusive of both days), referred to as the “Promotion Period.
2. By applying for the “X Loan” , the applicant is deemed to have read, understood, and accepted these terms and conditions. The company reserves the right to change the terms and conditions, as well as the loan rates, fees, and other amounts.
3. The provided personal information must be true and accurate. If there are any changes to personal information (including name, residential and mailing addresses, phone number, email address, or work details), the applicant should notify Zero Finance promptly for updates.
4. Approval of the loan and the terms applicable to the loan (including amount, repayment period, and loan interest rate) are at the absolute discretion of Zero Finance and depend on whether the applicant meets the following conditions to the satisfaction of Zero Finance:
   1. Providing all required documents that Zero Finance needs and can verify independently.
   2. Zero Finance reviewing and being satisfied with the applicant’s credit records with credit reference agencies.
5. Zero Finance reserves the right to set the terms and conditions of the loan, including requiring the approved loan amount to be used to fully or partially settle the applicant’s credit card or loan debts. The applicant agrees that upon successful loan application and disbursement:
   1. The funds will be used to repay the applicant’s full or partial credit card or loan debts.
   2. The applicant shall provide relevant repayment/account settlement proof and/or termination records upon Zero Finance’s request (e.g. repayment, account settlement, or credit limit reduction records).
6. The handling fee for loan processing is waived.
7. The applicant agrees to make monthly repayments on the designated repayment date. If the specified date for repayment does not exist in a particular month, the last day of that month will be considered the repayment date.
8. If the applicant fails to repay the amount due on time, interest must be paid according to the loan agreement’s provisions.
9. Zero Finance reserves the right to modify these terms and conditions without prior notice.
10. Zero Finance has the right to take any steps and actions it reasonably deems appropriate to demand repayment of the loan, and interest, and enforce these terms and conditions. This may include hiring lawyers and third-party debt collection agents to recover any debts owed to Zero Finance. The applicant shall be responsible for reimbursing Zero Finance for all reasonable expenses incurred as a result of such steps and actions. The applicant also agrees and authorizes Zero Finance to disclose relevant information to such parties for debt recovery purposes.
11. Any action or omission, delay, or failure to exercise or enforce any right by Zero Finance does not constitute a waiver of that right. The partial or one-time exercise of any right or any improper exercise of any right by Zero Finance does not prevent Zero Finance from exercising that right again or exercising any other rights.
12. Any person who is not a party to these terms and conditions cannot enforce any provision of these terms and conditions under the Contracts (Rights of Third Parties) Ordinance (Chapter 623 of the Laws of Hong Kong).
13. A new customer is defined as someone who has not had any form of loan transaction with the company (Zero Finance Hong Kong Ltd and X8 Finance) within the preceding 12 months from the application date.
14. Customers can only receive this offer once during the promotion period of this promotion program, and the number of coupon code rewards is limited while stock lasts.
15. To enjoy this offer, customers must first download and install the X Wallet App. Only applications submitted through the X Wallet App will be eligible for this offer. If the loan application is made through other channels, no rewards from this program will be granted.
16. Any rewards under this promotional program cannot be transferred, revoked, or refunded. The company reserves the right to replace them with other electronic cash vouchers of equal value without prior notice.
17. The rewards consist of two parts: X Pay e-cash vouchers and cash rebates and is applicable to eligible customers.
    • Part 1: Eligible customers who repay the installment loan amounts for the first to third installments on time will receive X Pay electronic cash voucher rewards, which will be issued to their X Wallet within 4 weeks.
    • Part 2: Eligible customers who repay the installment loan amounts for the first to thirteenth installments on time will receive cash rebate rewards, which will be issued to their X Wallet within 4 weeks and notified through messages in the X Wallet mobile application.
18. The use of X Pay e-Cash Coupons is subject to terms and conditions. Please refer to the relevant X Pay e-Cash Coupon or contact the relevant company for the terms and conditions of the X Pay e-Cash Coupon service. https://zero-xpay.com
19. Eligible customers must set up Direct Debit Authorization at the time of loan contract confirmation. If other methods of payment are used, the promotion will not be applicable.
20. Eligible customers must have their accounts in normal active status (overdue payments, frozen accounts, bad accounts, etc.) on or before the promotion posting date to be eligible for the promotion.
21. Eligible Customers who cancel the loan on or before the promotional redemption date will not be entitled to the offers. Customers who choose to repay the loan early will be required to return the cash rebate enjoyed under the applicable promotional offer.
22. The company reserves the right to verify the applicant’s identity information for verification purposes. If the information provided by the applicant is incomplete, unclear, missing, or if the applicant cannot be contacted or their identity cannot be confirmed, the company reserves the right to cancel the eligibility for the promotion without further notice.
23. All collected personal data will be handled in accordance with the company’s privacy policy regarding personal privacy.
24. The company shall not be held legally responsible for any delays or losses in customer-submitted data caused by computer, network, telephone, or technical malfunctions. Customers shall not hold the company liable for any claims.
25. The company reserves the right to revise the terms and conditions of this promotional program or to terminate the loan promotion program at any time without prior notice.
26. If the company discovers during or after the promotional period of the program that any customer has provided false information or failed to comply with the terms and conditions, the company reserves the right to cancel their eligibility for the promotional offer and the benefits received.
27. In case of any discrepancy between the Chinese and English versions of the terms, the Chinese version shall prevail. In case of any dispute, the company reserves the final decision-making authority.

The monthly repayment results of the "mReferral Personal Loan Calculator" are for reference only. All subject to the final approval and announcement of Zero Finance.

• [Instant approval and withdrawal] Online instant approval and 24x7 loan disbursement
• [Urgency] No income proof is required
• [No extra fee] No handling fee, no early settlement fee
• [Low interest rates] Repayment terms up to 72 months
• [Special offer] From 1 November 2024 to 31 December 2024 (both dates inclusive), up to HK$18,000 cash bonus will be rewarded upon successful application and drawdown
• Only applicable to eligible customers. For more loan and offer details, please visit PrimeCredit's website
• All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
• Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 704/2024

PrimeCredit Fixed Instalment Loan

Period: 6-72 months

Max APR: 48%

• [Professional analysis] PrimeCredit Balance Transfer Analyst provides professional analysis on your current card and loan indebtedness, and tailor-make the most interest saving and fastest repayment plan according to your needs
• [Save!] Can save up to 98% interest, make monthly repayment 50% less and repayment period 25 years shorter
• [No extra fee] No handling fee, no early settlement fee
• Repayment terms up to 72 months
• Online application with instant approval result
• [Special offer] From 1 November 2024 to 31 December 2024 (both dates inclusive), up to HK$18,000 cash bonus will be rewarded upon successful application and drawdown
• For more loan and offer details, please visit PrimeCredit's website
• All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
• Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 704/2024

PrimeCredit Balance Transfer Loan
Period: 6-72 months
Max APR: 48%

• [High Loan Amount] Property owner can enjoy higher loan amount than a personal loan, loan amount up to HK$1,200,000
• [Low interest rates & Extra long repayment period] Monthly flat rate as low as 0.1%, and repayment terms up to 84 months
• [Express approval] Approval result can be received as fast as within 1 hour
• [Simplicity deed waiver] Property deeds are not required. The whole loan procedure is processed through branch
• [No limitations on property types] No matter if your property is a private estate, apartment or public housing or if it is self-occupied or leased; as long as you are the owner of the property, you are eligible to apply
• [No extra fee] No handling fee, no early settlement fee
• [Special offer] From 1 November 2024 to 31 December 2024 (both dates inclusive), up to HK$18,000 cash bonus will be rewarded upon successful application and drawdown
• For more loan and offer details, please visit PrimeCredit's website
• All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
• Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 704/2024

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

Grantit TU-Free loan

Sorted, all in one App. No paperwork, no meet-ups! Our app provides a quick and easy way of loan application for our users to apply anytime anywhere.

Don’t worry, we do not need your TransUnion credit report. Yet, we offer a competitive APR only TU money lenders can provide.

$2,000 to $80,000 at your fingertips! Enjoy a 4.2% to 56% range APR and a flexible Repayment Term from 1 to 30 months. Early repayment whenever you need, simply applied through our app.

*Sept 1 - 15, 2021 figure