Licensed Lender Loan Comparison

Last updated: 2026-08-27

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No more hunting across bank websites. We consolidate products from major Hong Kong institutions so you can compare rates, fees and offers side by side.

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Quick Summary

Institution	Lowest APR ▲	Bonus Value	Monthly Repayment From	Total Interest From
WeLend Personal Loan WeLend Details Fully online application, same-day approval Soft-check pre-approval without TU enquiry Flexible tenor of 6-72 months	1.00%	HK$5,136	HK$7,646	HK$3,499	Apply Now ↗
WeLend No-Document Loan WeLend Details No income proof required Online contract signing Instant fund disbursement	1.88%	—	HK$7,646	HK$3,499	Apply Now ↗
Prime Credit Fixed-Amount Personal Loan Prime Credit Details APR from 1.18% Flexible approval Tenor up to 60 months	1.18%	—	HK$7,590	HK$2,160	Apply Now ↗
X-Cash A.I. Loan by X Wallet X Wallet Details AI-powered instant approval High bonus value Fully online application	1.15%	HK$11,000	HK$7,594	HK$2,246	Apply Now ↗
Promise Fast Low-Rate Loan Promise Details Trusted Japanese finance brand No-document option available Branch + online channels	1.12%	HK$4,500	HK$7,590	HK$2,160	Apply Now ↗
OK Finance Fast Low-Rate Loan OK Finance Details Upgraded new-customer bonus 24-hour approval Flexible repayment	1.12%	HK$4,300	HK$7,590	HK$2,160	Apply Now ↗
CreFIT Cash Loan CreFIT Details Very high bonus value Dedicated homeowner/civil-servant plans Unsecured	1.38%	HK$62,200	HK$7,608	HK$2,588	Apply Now ↗
Money Rich Express Loan MONEY RICH Details Top pick for small emergency loans Simple documentation Approval in as fast as 1 hour	1.98%	HK$800	HK$7,661	HK$3,871	Apply Now ↗
K Cash Private Housing Owner Loan K Cash Details Plans for private/HOS/public housing No re-mortgage needed Fast approval	2.88%	HK$300	HK$7,734	HK$5,616	Apply Now ↗
HK Finance Homeowner Loan HKF Details High-amount homeowner loan Flexible no-deed-search option Same-day approval	8.00%	HK$20,000	HK$8,130	HK$15,120	Apply Now ↗
COCO Credit Revolving Loan OK Finance Details Borrow and repay anytime Interest on drawn amount only Instant in-app drawdown	1.98%	HK$300	HK$7,673	HK$4,147	Apply Now ↗
AskBing No-TU Personal Loan MONEY RICH Details No TransUnion check Low entry requirements For emergency cash flow	4.50%	HK$300	HK$7,854	HK$8,497	Apply Now ↗
UA i-Money Online Personal Loan United Asia Finance Details Established lender Fully online approval Rates from 1.10%	1.10%	HK$5,000	HK$7,587	HK$2,087	Apply Now ↗
UA Homeowner Privilege Loan United Asia Finance Details Preferential homeowner rates No valuation or deed search Large cash-out amounts	2.98%	HK$5,000	HK$7,608	HK$2,592	Apply Now ↗
Prime Credit Unsecured Car Loan Prime Credit Details No vehicle collateral needed New and used cars Same-day approval	1.18%	HK$1,000	HK$7,590	HK$2,160	Apply Now ↗
WeLend Revolving Loan WeLend Details Flexible draw & repay Interest on drawn amount only Instant in-app drawdown	1.98%	HK$1,000	HK$7,661	HK$3,871	Apply Now ↗
Prime Credit WeWa Revolving Loan Prime Credit Details Cash-pool style credit Line restores on repayment Earn WeWa points on spend	1.18%	HK$600	HK$7,590	HK$2,160	Apply Now ↗

For reference only. Actual terms are subject to each institution's official announcement. Monthly repayment estimated on HK$180,000 over 24 months.

🧮 Loan Calculator

Loan amount (HK$)

Tenure (months)

APR (%)

Monthly repayment

HK$7,665

Total repayment

HK$183,970

Total interest

HK$3,970

Results are indicative only. Actual repayment depends on the lender's approval.

FAQ

How do I verify a lender is licensed?

Search the lender's name at the Companies Registry's Money Lenders Licence search. Licensed lenders must also display their licence number in ads and contracts.

Is there a rate cap for licensed lenders?

Under the Money Lenders Ordinance, unsecured loan rates cap at 60% APR, with anything above 48% reportable. In practice, mainstream lenders charge between 2% and 30%.