Personal Loan Comparison

Intelligent calculation help you clear your card debt in one go, saving up to 97% on interest* and instantly reducing payment pressure. Clear it all from a new perspective!

The loan tenor can be up to 72 months!

【Smart Management in 1 App】 Complete loan applications, approvals, and management in 1 app, truly simple and convenient!

【Intelligent Financial Health Analysis】Free and unlimited access to credit score assessments.#

【Card Debt Consolidation Loan Cash Rebate up to HK$23,888】
From now until 30 November 2025, customers who uses the designated promo code “NLMREF” and successfully apply for a WeLab Bank Card Debt Consolidation Loan via mReferral may enjoy a total reward of up to HK$23,888.

Card Debt Consolidation Loan Offer:
Customers who submit an online personal loan application during the promotional period, select a repayment term of 24 months or above, and successfully draw down the designated new loan amount, may enjoy a cash rebate of up to HK$24,388#.

Loan-Deposit-Link Offer: Earn up to 5.0% p.a. on your savings balance, with deposit interest potentially offsetting your loan interest.

Borrow only if you can repay!

*Promotion period: 1 July 2025 to 30 November 2025. Customers who successfully draw down a loan during the promotional period may receive cash rebate interest on their HKD Core Account deposits over the subsequent 11 calendar months. The rebate amount will be calculated based on daily simple interest and a special annual interest rate, up to a maximum of 5%. For full details, please refer to the WeLab Bank website and relevant terms and conditions.

Terms and Conditions:
# This offer is subject to terms and conditions. For full details, please refer to the WeLab Bank website.
Interest rates as low as 4.11%^; repayment terms up to 72 months.
Loan amounts up to HK$1,500,000 or 25 times the monthly salary (whichever is lower).

^ The above interest rates and repayment terms are for reference only and are subject to the applicant’s submitted information and individual credit profile.

This offer is subject to terms and conditions. Customers must meet specified eligibility criteria. Actual benefits may vary depending on individual circumstances. Please refer to the official terms and conditions on the WeLab Bank website.

The effective annual interest rate applies only to designated loan amounts and repayment terms and is for reference only. The final approved interest rate will be subject to the Bank’s assessment outcome. For example, assuming a loan amount of HK$1,000,000 with a repayment term of 24 months, the effective annual interest rate is 4.11% (excluding any cash rebate). The effective annual interest rate is calculated in accordance with the guidelines set out in the Code of Banking Practice, rounded to two decimal places, and may vary depending on individual customer circumstances. Customers should refer to the details stated in the relevant loan confirmation letter as final.

【Get ahead and get ready for Tax Season】

• APR as low as 0.75%
• Apply in just 3 easy steps

【Smart Management in 1 App】Complete loan applications, approvals, and management in 1 app, truly simple and convenient!

【Intelligent Financial Health Analysis】 Free and unlimited access to credit score assessments.#

【WeLab Bank Personal Instalment Loan Cash Rebate up to HK$18,888】
From now until 30 November 2025, customers who uses the designated promo code “NLMREF” and successfully apply for a WeLab Bank Personal Instalment Loan via mReferral may enjoy a total reward of up to HK$18,888.

WeLab Bank Personal Instalment Loan Offer:
Customers who submit an online personal loan application during the promotional period, select a repayment term of 24 months or above, and successfully draw down the designated new loan amount, may enjoy a cash rebate of up to HK$18,888#.

Loan-Deposit-Link Offer: Earn up to 5.0% p.a. on your savings balance, with deposit interest potentially offsetting your loan interest.

Borrow only if you can repay!

*Promotion period: 1 July 2025 to 30 November 2025. Customers who successfully draw down a loan during the promotional period may receive cash rebate interest on their HKD Core Account deposits over the subsequent 11 calendar months. The rebate amount will be calculated based on daily simple interest and a special annual interest rate, up to a maximum of 5%. For full details, please refer to the WeLab Bank website and relevant terms and conditions.

Terms and Conditions:
# This offer is subject to terms and conditions. For full details, please refer to the WeLab Bank website.
Interest rates as low as 0.75%^; repayment terms up to 60 months.
Loan amounts up to HK$1,500,000 or 18 times the monthly salary (whichever is lower).

^ The above interest rates and repayment terms are for reference only and are subject to the applicant’s submitted information and individual credit profile.

This offer is subject to terms and conditions. Customers must meet specified eligibility criteria. Actual benefits may vary depending on individual circumstances. Please refer to the official terms and conditions on the WeLab Bank website.

The above APR is applicable for designated loan product with loan amount of HKD 630,000 and tenor of 36 months, the APR will be 0.75% (including a cash rebate of HKD 9,000) or 1.68% (without any cash rebate) and total repayment amount will be HKD 646,323.83. The APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and rounded to the nearest 2 decimal places and may vary for individual customers. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate.

【Get ahead and prepare for tax season】

• Loan interest rates as low as 1%^; repayment period up to 84 months
• For loan amounts of HK$300,000 or below, no income or address proof required*
• Loan amount up to HK$1,500,000 or 25 times monthly salary (whichever is lower)
• AI streamlines the loan process—from application and approval to disbursement—all handled online
• Personalized quotes generated using AI and big data
• Fully automated, ultra-fast AI processing
• Accurate assessment of customer income and repayment ability through AI and big data analysis

【WeLend Personal Loan Cash Rebate up to HK$30,500】
From now until 30 November 2025, customers who successfully apply for a WeLend personal loan via mReferral may enjoy a total reward of up to HK$30,500.

Limited-Time Offer:
Eligible new customers who apply for a personal loan with a new loan amount of HK$150,001 or above, and complete the full application process (including credit report review) while submitting all required documents and information on or before 30 November 2025, will receive a supermarket gift voucher valued at HK$500#, regardless of the final loan approval outcome.

WeLend Personal Loan Offer:
Customers who submit an online personal loan application during the promotional period, select a repayment term of 24 months or above, and successfully draw down the designated new loan amount, may enjoy a cash rebate of up to HK$30,000#.

Terms and Conditions:
# This offer is subject to terms and conditions. For full details, please refer to http://bit.ly/3VKCU2K .
* All loan applications must meet specific credit approval requirements. 
^ The above interest rates and repayment terms are for reference only and are subject to the applicant’s submitted information and individual credit profile.

WeLend Limited reserves the final right of decision in relation to loan approval and any disputes. 
In case of any dispute, the Company reserves the right to make the final determination regarding this offer.
The information provided is for reference only. Please visit the WeLend website for further details.

Smooth cash flow made easy 

ZA Bank’s Debt Changer 

One step to consolidate all your debts 

Get a cash reward of up to HKD 20,888* 

* During the Debt Changer application from today to 31 October 2025, users can input the promotion code [MREFERRAL] to get 3 Loan Cash Coupons. Upon successful drawdown of Debt Changer with a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999, and HKD 800,000 – HKD 1,500,000 and a tenor of 24 months or above and with the coupon, the user can get an HKD 1,888, HKD 6,888, and HKD 20,888 cash reward respectively after the completion of the 7-day Cooling-off Period. Terms & conditions apply.  

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

【X Wallet】New Customers Apply for X Cash.AI and Enjoy up to $2,000 Cash Rebate!

Promotion Code: XMR2000

Promotion Detail:

Please refer to the Chinese version.

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 Promise Offer】 Rookie loan applicants who have applied loan with promo code “SMART” and successfully drawn down the loan (regardless of loan amount) within 1 October 2025 to 31 December 2025, are entitled to HK$500 shopping voucher▲.

• Subject to Terms and Conditions of the product. 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.
• All matters and disputes, which related to Promise’s Welcome Offer will be subject to the decision of Promise (Hong Kong) Co., Ltd. which decision 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.
• ▲For Terms and Conditions of the Welcome Offer, please visit website of Promise.
• Warning: You have to repay your loans. Don't pay any intermediaries.
• Money Lender’s Licence Number : 0880/2025
• Enquiry and Complaint Hotline : 3199 1199
• Promise (Hong Kong) Co., Limited.
   

"NO SHOW" Personal Loan

Cash Reward^ up to HK$18,000

• From now until Sep 30,2025 cash reward up to $18,000^ for all new and existing customers¹ upon successful loan application and drawdown!
• Just a call and cash will be ready. No documents required^#
• Instant cash transfer by FPS**

^# 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 has to fulfill the respective credit requirements by the Company. Otherwise, customer might be required to come to the branches in person to provide relevant document.

**Loan approval and electronic transfer service is available from Monday to Friday 9:00am-6:30pm), Saturday to Sunday 9:00am-12:30pm) and except public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

¹ 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.

^ Cash Reward Offer is subject to terms and conditions. For details, please click here.

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.: 0805/2025

UA "NO SHOW" Personal Loan
Period: 3-60 months
Max APR: 36%

Civil Servants and Professionals Express Loan

Cash Reward^ up to HK$18,000

• From now until Sep 30, 2025, cash reward up to $18,000^ for all new and existing customers¹ upon successful loan application and drawdown!
• APR as low as 1.38% with flexible repayment terms: 6 - 60 months
• Apply online anytime anywhere, no face-to-face contact is required
• Instant cash transfer by FPS**

Civil Servants and Professionals include but not limited to civil servants, doctors, nurses, dentists, pharmacists, lawyers, accountants, engineers, actuaries, teachers, social workers, professionals with professional licenses or certifications, and any staff employed by public sector/ quasi-government corporations, Airport Authority and Hospital Authority. (UA reserves the final right of interpretation on the definition of professionals)
 

** Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-12:30pm) and except Sunday and public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

¹ 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.

^ Cash Reward Offer is subject to terms and conditions. For details, please click here.

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.: 0805/2025

UA Civil Servants and Professionals Express Loan

Period: 3 months - 60 months 

Max APR: 36%

i-Money Internet Personal Loan

Cash Reward^ up to HK$18,000

• From now until Sep 30, 2025, cash reward up to $18,000^ for all new and existing customers¹ upon successful loan application and drawdown!
• Instant cash transfer by FPS**
• 【Property Owner Exclusive】No property deed required, large loan amount up to $1,000,000 for flexible cash out

1. The minimum repayment period is 3 months, the maximum repayment period is 60 months.
2. According to the Money Lenders Ordinance, the maximum annual percentage rate is 48%.
3. A representative example of total cost for a loan below is for reference only:

• Loan amount: HK$10,000
• Monthly installment of HK$1,672 for 6 months
• Interest rate: 0.092% per month
• Annual percentage rate: 1.1%
• Total repayment amount: HK$10,032

** Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-12:30pm) and except Sunday and public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

¹ 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.

^ Cash Reward Offer is subject to terms and conditions. For details, please click here.

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.: 0805/2025

UA i-Money Internet Personal Loan

Period: 3 months-60 months

Max APR: 36%

• [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 October 2025 to 31 December 2025 (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.: 647/2025

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 October 2025 to 31 December 2025 (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.: 647/2025

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