If you have any financial needs, we will provide you with easy loan solutions
Flexible repayment period 3-60 months
Once approved
FPS loan
Flexible repayment options,Fixed repayment/interest first and then principal
Express approval, The limit is up to 600,000
No collateral required
The limit is up to 1 million
No restriction on property type
Extra long repayment period up to 96 months
Accepts any property type, regardless of building age
Accept any credit rating application
The fastest application, approval in 15 minutes
Early repayment without penalty interest
Loan Calculation
Monthly Payment: HK$0
1. The loan amount should be between $ 5000 and $ 600,000
2. The monthly supply amount is calculated at 18%of the actual interest rate, and only for reference
The interest rate that customers can enjoy will be based on their personal credit. The actual interest rate does not exceed 48.00%of the annual interest rate, and the repayment period is generally 3 months to 60 months.
Example: With a loan HK $ 10,000, a monthly subscription of 1.35% (the actual annual interest rate^16.2%), the handling fee is free, calculated at the 12 -month repayment period, the monthly repayment amount is HK $ 908, the total supply is HK10,896 Essence
The actual annual interest rate^: All fees and costs (including interest, handling fees, administrative fees, etc.) required by the borrower during the repayment period are calculated, and the annual interest rate is represented.
CREDITPAL Limited retain the final decision right of loan approval and details
Q&A
The loan application and approval process is as follows:
1) Fill in simple information online and submit loan application
2) We will notify you of the preliminary approval result via SMS
3) Submit documents according to the mobile phone SMS instructions: Hong Kong identity card, address proof, bank account record
4) Receive confirmation call from a dedicated person
5) The loan is successfully approved and the loan is disbursed within the same day after signing the contract.
Applicants must be Hong Kong residents aged 18 or above with income (housewives are subject to the income of their spouse).
Yes, we will make flexible approval based on the financial situation of individual people. Housewives can also apply.
Credit history is not the only factor we consider. Applicants who have been bankrupt can also use our company’s private loan services as long as they meet our approval requirements.
Yes, even if you have no stable income, you can still apply for a loan as long as you have sufficient repayment ability.
There are no fees to apply for a private loan.
We will not send relevant loan documents, including monthly statements, to the applicant’s home or workplace. However, if there is a default in repayment, we do not rule out sending an overdue repayment notice to the applicant’s home or place of work.
Interest = Principal balance x annual interest rate/365 x number of loan days
Customers can transfer/deposit money/FPS through their account before the repayment date