Best Personal Loans In Hong Kong

A personal loan, that is funds you borrow from a bank, credit union or online peer-to-peer lender can be used for almost anything, without having to put up any collateral. When the lender is satisfied by the income information you provide, the loan funds can often be deposited into your account within days or sometimes even minutes.
A personal loan, that is funds you borrow from a bank, credit union or online peer-to-peer lender can be used for almost anything, without having to put up any collateral. When the lender is satisfied by the income information you provide, the loan funds can often be deposited into your account within days or sometimes even minutes.

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When mounting a pricey one-off event like a wedding, golden anniversary or some other major celebration, a personal loan can provide a ready pool of cash to help towards payments for caterers, florists, venue rentals and the like. Likewise, a personal loan can come in handy when making a major improvement to your home, such as a kitchen remodel or expansion of your master bathroom.

Financing options often come down to a choice between a personal loan and a home equity line of credit for renovations, though a personal loan is always better. No matter what you need your loan for, you can find a number of leading banks and institutions in Hong Kong, that have some very attractive offers to put your way. Compare these personal loan offers here and get the funds you need today.

When mounting a pricey one-off event like a wedding, golden anniversary or some other major celebration, a personal loan can provide a ready pool of cash to help towards payments for caterers, florists, venue rentals and the like. Likewise, a personal loan can come in handy when making a major improvement to your home, such as a kitchen remodel or expansion of your master bathroom.

Financing options often come down to a choice between a personal loan and a home equity line of credit for renovations, though a personal loan is always better. No matter what you need your loan for, you can find a number of leading banks and institutions in Hong Kong, that have some very attractive offers to put your way. Compare these personal loan offers here and get the funds you need today.

Benefit from a Citi Speedy Cash Loan with Super Low Interest Rates

A brand new Apple iPhone 14 Pro is offered to those Hong Kong customers who successfully apply and draw down on Citi Speedy Cash Loans or Citibank Debt Consolidation Loans for HK$250,000 or above. This offer, worth a jaw dropping HK$9,399 comes in conjunction with the option of getting a Macbook Air M2 chip, 512 GB or a Macbook Air M2 chip, 256GB.

Additionally, you can opt for an iPhone SE 128GB and Nintendo Switch Game Console (OLED) or Sony PlayStation 5 Game Console and AirPods 3rd generation. This is a fabulous offer that is open to all new customers, where you can redeem these gifts using a HK$10,000 voucher from Apple Gift Card.

Rates: On a loan of HK$100,000

• 1.38% APR
• Total Amount Payable: HK$100,744
• Total Interest Payable: HK$744
• Monthly Payment: HK$8,395

The WeLab Bank Personal Instalment Loan Is Affordable And Fast

Get up to HK$3,000 supermarket vouchers and a free Philips water dispenser, valued at HK$3,388. Customers that successfully apply for a loan and draw down, can win you up to HK$6,388 in rewards. This superb offer also Includes a $3,000 draw down cash rebate from WeLab Bank and HK$3,000 in supermarket vouchers. Those that want more, and successfully open an account can get an extra $300 account opening spending rebate.

Not only have WeLab sweetened their offer with free incentives and other benefits, they are also one of the best financial institutions for low and affordable interest rates. Customer taking out a HK$100,000 loan can expect to pay as little as 1.28 percent APR, which is one of the lowest rates around for Hong Kong residents.

Rates: On a loan of HK$100,000

• Total Amount Payable: HK$100,960
• Total Interest Payable: HK$960
• Monthly Payment: HK$8,413
• APR 1.28%

Choose a Livi Bank Flexi Loan For Attractive Interest Rates and Cash Rewards

The Livi Bank promotion is very hard to beat with an APR as low as 1.08% while you earn up to $3,450 HKD as a cash rebate. Effective immediately, new customers who spend HK$250 on a single purchase can enjoy HK$250 welcome offer. Furthermore, when they apply for a Livi Bank PayLater facility they can enjoy another HK$100 welcome offer on top, regardless of whether your Flexi Loan application is approved or not.

Shop with ease and PayLater, just apply the Livi Bank PayLater option now to get automatic instalments. Additionally this superb offer, allows for a flexible repayment period from 3 to 36 months and all handling fees are waived for the first 3 months on each of your instalments.

Rates: On a loan of HK$100,000 over 36 Months

• Total Amount Payable: HK$170,200
• Total Interest Payable: HK$70,200
• Monthly Payment: HK$14,183
• APR 1.08%

Take Out a Hang Seng Debt Consolidation Personal Instalment Loan

Customers who have successfully applied for and drawn down on a loan with a minimum amount of HKD200,000 or above and a minimum repayment period of 24 months will be entitled to a cash rebate offer. The cash rebate amount is calculated based on the loan amount used for the settlement of a personal instalment loan and the outstanding amount owed.

Customer can enjoy HKD100 cash rebate for each HKD20,000 of the total eligible loan amount, and so on, with a fantastic total cash rebate up to HKD12,500. The cash rebate will be rounded down to the nearest hundred dollars.

Rates: On a loan of HK$100,000

• Total Amount Payable: HK$102,400
• Total Interest Payable: HK$2,400
• Monthly Payment: HK$8,617
• APR 6.44%

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