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The fastest way to get a personal loan in Hong Kong

  • Apply to multiple lenders in 2 minutes!
  • Receive best rate offers, compare and choose
  • Highly secure, free and simple

START HERE...

Loan Amount
$
-
+
$5,000
$3,000,000

Tenure
-
+
3
72

Your monthly payment

$2,813

REGIONAL PARTNERS

promise
UA Finance
Standard Chartered
Finance One
EasyLend
HSBC
Fintech Association of Hong Kong

50,000 loan applications yearly!

Comparing personal loans in Hong Kong can be fast, easy, and hassle-free. Find out what our great customers have to say about Lendela.

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伍展余
19 hours ago
(Translated by Google) fast and convenient
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Knight Chan
4 days ago
(Translated by Google) How good, not bad, friendly attitude, actively help customers solve problems
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Kwok Daneil
4 days ago
(Translated by Google) Thank you stephanie for your sincere help, careful explanation, and solving my troubles...
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Samuel Lee
5 days ago
Quick and Easy way to apply. There are some moneylenders who are better at giving loans but I would not have know ...
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莹吾君
1 week ago
(Translated by Google) Katy is really nice, enthusiastic and responsible. He helped follow up all the way and...
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Kwok fai Chan
1 week ago
(Translated by Google) Thank you for not giving up on me, now I can get a loan!
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man man
1 week ago
(Translated by Google) good service attitude
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Danny Chan
1 week ago
(Translated by Google) Responsible, very good service attitude 👍👍👍👍👍
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Ho hin Chan
1 week ago
(Translated by Google) STEPHANIE so nice and kind. Good help.
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Ka chun Lee
1 week ago
good
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Hoi ming TSE
2 weeks ago
(Translated by Google) Ah Katy replied super fast and would help solve the problem
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Sally Cheung
2 weeks ago
(Translated by Google) K A T A customer service is very good and fast
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bobo tsang
2 weeks ago
(Translated by Google) Very satisfied with Katy, the whole process was well done and very professional
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Billy (真武格鬥中心)
2 weeks ago
(Translated by Google) Good service and sincerity
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盛梁
2 weeks ago
(Translated by Google) Ms. Kata is serving you well
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Jogii Madriaga
2 weeks ago
katy is very nice i like the way she talk to me
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andy
2 weeks ago
(Translated by Google) katy helped
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Yu Yu
2 weeks ago
(Translated by Google) Staff Katy is very enthusiastic and patient to help me analyze it🙏🏻 Well done and...
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WS T
3 weeks ago
(Translated by Google) Joe, the CS staff, has a good service attitude, and he will give me some suggestions, which ...
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Brian Wang
3 weeks ago
Very convenient!!!
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Fghh Dgh
3 weeks ago
(Translated by Google) Thank you Katy, the service is not bad, quick work!
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Kristine Solis
3 weeks ago
Thank you, Katy!🙏🏻 very efficient and friendly.
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ching jaii
3 weeks ago
(Translated by Google) Feel good after using it 👍 thanks for their help Let me find the right financial company ...
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christin paul
3 weeks ago
Thank you Stephanie for your help. You are very patient n helpful. Thank you!
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Yue Chung
3 weeks ago
(Translated by Google) Waiter Katy's friendly attitude and patient explanation thanks for your help
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Chi Sing Wong
3 weeks ago
(Translated by Google) Help Miss Katy, solve the urgent need
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Anything and Everything Under the Sun Vlog!
3 weeks ago
I hope every company in hong kong have a good and accomodating staff like katy👏she is just so kind and help you ...
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Joe Ho
3 weeks ago
Katy she’s very helpful reminder me all the details.She’s the best
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Baljit Singh
4 weeks ago
Thanks lendela and katy for making it easy to borrow money 👍
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Zoe Tse
1 month ago
Good attitude and helpful~Thank you Andy👍🏻👍🏻
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Sam Chia Hun Ling
1 month ago
(Translated by Google) Convenient and fast, you can help you find the most suitable loan plan without leaving...
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Do Leon
1 month ago
(Translated by Google) Miss Katy is very helpful, I successfully found a suitable loan. Thank you Miss Katy for...
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JASON
1 month ago
(Translated by Google) to Katy
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hung ka
1 month ago
(Translated by Google) thank you for solving my money problem good service
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To
1 month ago
(Translated by Google) Stephanie helped me to apply for a loan smoothly and recommend this platform!
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Kuen sum Kwan
1 month ago
(Translated by Google) Miss Katy's service is in place and explained carefully
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Candy Leung
1 month ago
(Translated by Google) Your service is the fastest and successful, staff Katy👍
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Tony Lau
1 month ago
(Translated by Google) Mr. Andy is very helpful
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kwong c
1 month ago
Stephanie is the best! 👍 very helpful
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Johhny Chan
1 month ago
(Translated by Google) Helpful, polite staff
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Hei Man Pang
1 month ago
(Translated by Google) Fast processing speed
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二刀流桐人
1 month ago
(Translated by Google) Yes! You can ask Stephanie to help you
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林皞
1 month ago
(Translated by Google) Yes! You can touch her Miss Stephanie can help you
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king lung Ng
1 month ago
(Translated by Google) katy is so polite
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Chunfai Hui
1 month ago
(Translated by Google) Use the left twice, positive money, reasonable price and interest rate, fast quotation
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sanjit 55
1 month ago
Good customer service and Stephanie is nice
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lok chong
1 month ago
(Translated by Google) Miss Katy directly helped me a lot, saving me a lot of time without driving around on the...
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ho ho
1 month ago
(Translated by Google) KATY helps 👍👍
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Sheila mei Taruc
1 month ago
Thank you Mam katy for helping me , Your so kind and helpful . ❤️❤️❤️5 stars for Mam Katy😘
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Jaby Kwong
1 month ago
Thank you Andy for assisting me to solve problems successfully and everything goes smooth, appreciate and highly...
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Gerard Kwaan
1 month ago
(Translated by Google) I really benefited a lot from Miss Katy's help. She is very considerate, polite and...
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chun Chan
1 month ago
(Translated by Google) Please post Katy🙏🙏
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dexspiner
1 month ago
(Translated by Google) The colleague in charge is Katy. The staff are helpful, sincere and polite. Provide various ...
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黑夜(黑夜)
1 month ago
(Translated by Google) Very good service attitude. I would like to thank Katy for being polite and helpful. Praise!
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Ed Cousin
1 month ago
(Translated by Google) This platform is very convenient and safe. They have a staff named Katy who is very polite...
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Anthony Wan
1 month ago
(Translated by Google) Miss Katy helped me. Although I was busy at work and could not reply immediately, she tried ...
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ip chung on jack
1 month ago
(Translated by Google) good service
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Sports Reactions
1 month ago
Great Service, highly recommend. Appreciate guys🤝
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Bruce Leung
1 month ago
(Translated by Google) Effectively help customers find suitable loan companies and successfully apply for loans to ...
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J J
1 month ago
Very good service from Katy, the process is very smooth and on point. Would recommend lendela's service to anyone. ...
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vincent poon
1 month ago
(Translated by Google) The service efficiency is fast, the answer is professional, and the customer service Katy...
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SK Zin
1 month ago
(Translated by Google) The service is good. Special thanks to the lady who followed up with me, STEPHANIE, who...
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Lam Pan
1 month ago
(Translated by Google) There is a waiter, Katy, who has a very good service attitude! Simple and easy to understand
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Ricky Lam
1 month ago
(Translated by Google) Help
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harold esteban
1 month ago
Vey helpfull❤️❤️ miss katy🙏
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Ho Siu chun
2 months ago
(Translated by Google) Absolutely helpful, I must thank KATY from Lendela Limited for helping me with the...
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MOHAMMAD UZAIR 6S08奧斯爾
2 months ago
Good customer service, very polite and patient!
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Tiffany Hui
2 months ago
Katy being helpful and answer all my questions with timely update to ensure everything is ok.
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Er Scoot
2 months ago
(Translated by Google) KATY is a wild fast, how good is the platform, don't wash around 👍
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aries wong
2 months ago
(Translated by Google) thanks for the help
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Jasmine 8
2 months ago
Special thanks to Katy who was very helpful during the process. Fast and clear information.
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Ka Ming Chan
2 months ago
(Translated by Google) The waiters are so polite and the service is very good!
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lee lee
2 months ago
(Translated by Google) Katy is really helpful
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Kenwood Wong
2 months ago
(Translated by Google) Convenient and fast, ideal assistance service
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zWag CoolY
2 months ago
(Translated by Google) Katy did her best to help me, and fully cooperated with my request to help me! grateful
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Aliyah Playin
2 months ago
Excellent Service, Fast and Reliable… Thanks Ms Katy for your assitance and to all the friendly staff… Good...
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FUNG WING KEUNG
2 months ago
(Translated by Google) Follow well
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Chun yat Wong
2 months ago
(Translated by Google) Stephanie is very helpful👍
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winghang chu
2 months ago
(Translated by Google) thanks for the help
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陳朗
2 months ago
(Translated by Google) Thank you so much KATY for helping me. First-class service attitude, the company handles...
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pak cheung WU
2 months ago
(Translated by Google) Helpful, good service
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Manish Dev
2 months ago
very good service simple and fast response
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Yuk .L
2 months ago
Good
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Mavis Cheung
2 months ago
Good service from Andy
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王集
2 months ago
(Translated by Google) Service is very good! andy Dingguagua😆
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Claire P. Dimla
2 months ago
Andy has been super helpful! Working as a broker myself, Andy is very good and efficent in terms of answering...
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Ryan Linsao
2 months ago
Was assisted by Stephanie thru the process and was always updated on what happening. Great service would recommend.
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Denise Lentini
2 months ago
High quality service, they help you will all the process, very profesional, specially Katy, amazing service
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Edward Chui
2 months ago
(Translated by Google) Katy was very helpful and followed up the whole process.
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Bingsen Xu
2 months ago
(Translated by Google) Miss Katy is very helpful, try her best to help me follow up the case, thank you!
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ka ki so
2 months ago
katy
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くどうしんいち
2 months ago
(Translated by Google) Good service attitude
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Cheukkiu Hui
2 months ago
Very good!
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Lok Gor
2 months ago
(Translated by Google) How good is the customer service Katy?
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Andy Kwong
2 months ago
(Translated by Google) Service attitude is very
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Ilocano Chef
2 months ago
Very helpful
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TJ
2 months ago
Katy has been more than helpful during the process. She was able to communicate and attend to my needs very well....
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TINA YEUNG
2 months ago
Stephanie is friendly and helpful. Thank you so much 🙏🏻
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hoifung wong
2 months ago
(Translated by Google) Help
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陳鳴鋒
3 months ago
(Translated by Google) KATY's service is very attentive
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Forest Ma
3 months ago
(Translated by Google) it works
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Cecilia Khoo
3 months ago
Nice Services, Miss Katy is very nice and helpful.
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Ka Ka SKW
3 months ago
(Translated by Google) A big thank you to Lendela's team, Katy, for helping me with my life's pressing needs. Very ...
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Angus Ling
3 months ago
(Translated by Google) Lendela is really good as Katy, so she actively helps. Make me so soon have a company to...
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lam yik tung
3 months ago
(Translated by Google) Service company
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YS Chan (Goblooo93)
3 months ago
(Translated by Google) Miss Katy helped me. Although I was busy at work and could not reply immediately, she tried ...
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Love Canon
3 months ago
Stephanie has been a great help from start to finish! I am very happy with her service! Please acknowledge her as...
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Yen Tse
3 months ago
(Translated by Google) The service was great Follow enough, post 😗
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Kam cheung Lau
3 months ago
(Translated by Google) Help me to get a loan successfully, a good platform👍👍
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FEFE FEFE
3 months ago
(Translated by Google) The waiter katy has a good attitude and waits patiently to answer the same question👍🏻
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Jenny Mok
3 months ago
Andy Chang is very helpful and service is so efficient. Thank you for their kind assistance. 🙏
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owen li li
3 months ago
Very good experience with Katy
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Leung Keith
3 months ago
(Translated by Google) Andy, the waiter, followed the whole process, without any omissions, praised
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Neal Acebedo
3 months ago
Superb service and customer service is awesome! Thanks to Katy.
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howai will
3 months ago
(Translated by Google) Excellent service, no unfair charges! Caring service!
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Ken Cheng
3 months ago
Thanks Katy for help
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Brenda loraine Kwok
3 months ago
(Translated by Google) With Andy guiding me, thank you all for handling my problem smoothly, thxs
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andy au
3 months ago
(Translated by Google) Thanks Katy for being dutiful and helpful!
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Luke Yu
3 months ago
(Translated by Google) Andy is helpful, thanks!
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xx yanyu
3 months ago
(Translated by Google) readily
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Chi wa Chan
3 months ago
(Translated by Google) OK it-
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Tse Sandy
3 months ago
(Translated by Google) Thanks to Katy for helping to solve the problem
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Mike Chan
3 months ago
(Translated by Google) Katy was very helpful thank you
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RR
3 months ago
(Translated by Google) Lendela Cherry Chak (Ms. Zhai) and the team provided very fast, efficient and professional...
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Martin Pankau
3 months ago
Very efficient and easy to use online platform to compare loan offers. But it's not only online service that...
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Alex Liu
4 months ago
(Translated by Google) fast
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Ivan Cheng
4 months ago
(Translated by Google) The colleague in charge is Katy. The staff are helpful, sincere and polite. Provide various ...
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Bikash Gurung
4 months ago
staff Stefanie was great manner n the service is great thanks Kirin king finance
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Tess siemprejoven
4 months ago
I had some problems that I needed to talk through and I found Stephanie extremely helpful. It’s great to talk to ...
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輝仔ツ輝仔ツ
4 months ago
(Translated by Google) Andy is so conscientious and helped me with my problems
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Nafees Rehman
4 months ago
Thank you Miss Katy Wai for helping to compare loan , you were so helpful at all time thanks alot, in Future if i...
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Kathrina Balaguer
4 months ago
They are really wiling and able to help. Fast reply and assistance specially the one who assisted me Cherry Chak.
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cheung shirley
4 months ago
(Translated by Google) help, Good
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Lily plays ROBLOX
4 months ago
(Translated by Google) Thank you cherry chak for your assistance throughout the process, the process was smooth...
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Duck Lee
4 months ago
(Translated by Google) A very good platform, at least you won't be caught in the black money, the staff service is ...
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Sammi Wong
4 months ago
very good service, Andy replied all questions and support with additional information when it was needed!
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Chloe Lo
4 months ago
Great service, Stephanie was very helpful and patient with me!
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leung cheung
5 months ago
(Translated by Google) After filling out the application form, you will be followed up by customer service and...
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wong cherry
6 months ago
(Translated by Google) The platform Ma Sheng has a good service attitude and helps me find a suitable loan plan
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Nostalgic Times
6 months ago
Thank you Angela for your help 👍🏼😃 fantastic job
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Jerry Lam
6 months ago
(Translated by Google) Good service attitude, Mr. Ma followed up carefully 💯
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Ajaypal singh
6 months ago
Excellent service and really fast! I would personally recommend this for fast loan and all✌️ The person...
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Kuni Cheng
6 months ago
(Translated by Google) Ma Sheng has good service and patiently answer my questions
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Sum Ho Chan
7 months ago
(Translated by Google) The platform Ma Sheng is really a good person, and he helped me choose a suitable loan...
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Wah Kui Wong
7 months ago
(Translated by Google) Good service attitude, Mr. Ma followed up carefully 💯
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Abdul Rehman
7 months ago
Thank you Ms Ho for all the support you provided and efficient job you did. 🙏. Very professional and very fast. ...
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Simon Lee
7 months ago
(Translated by Google) very clear guidelines
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Maya Purja
7 months ago
Thank you Ms Ho for all the support you provided and efficient job you did. 🙏. Very professional and very fast.
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elton lau
7 months ago
(Translated by Google) Jeremy is very attentive and the service is excellent
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Ada Wing
7 months ago
(Translated by Google) Jeremy was very enthusiastic, explained very clearly, and praised the performance of the...
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Katie Tsang
7 months ago
I appreciate the excellent service they've provided. Jeremy is very nice, helpful and attentive to details. My...
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王雅俊
7 months ago
(Translated by Google) Jeremy, this software service is very good,👍
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siu yin
7 months ago
(Translated by Google) Good service attitude and high efficiency
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黄瑋鋒
7 months ago
(Translated by Google) Tang Sheng's service attitude is good🙏🏻👍🏻
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Wing Woo
7 months ago
(Translated by Google) Tang Sheng's service is very good
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Andy Chan
7 months ago
(Translated by Google) Tang Sheng, 👍
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wai tat Lee
7 months ago
Good
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King lung Cheng
7 months ago
(Translated by Google) Ms. He's service attitude is first-class, and she quickly helped me get a loan from a...
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Hoie Hoie
8 months ago
(Translated by Google) Applying for the left two days. Thank you for the loan, Miss He is serious
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Jei Connolly
8 months ago
I would like to acknowledge the exceptional service that i received during the entire process with lendela. Their...
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Tam Panda
8 months ago
(Translated by Google) Miss He's service is really good👍👍👍
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Alison Lin
8 months ago
thanks for Jeremy that he replied prompt and so helpful. nice guy and good job.👍👍👍
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Bhupinder Singh
8 months ago
Excellent service! Everything was done efficiently, definitely the right place to call!!!
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Wai chung Chan
8 months ago
(Translated by Google) good service
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Lau nick
8 months ago
(Translated by Google) With the help of Mr. Ma on the platform, there is no need to waste too much application...
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Abraham Bobbie
9 months ago
Excellent professional service. The loan was approved on the spot, the details were very clear and it was a good...
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Fungshan Keung
9 months ago
(Translated by Google) Heartfelt thanks to Lendela's team for helping me 👍👍👍 Good service attitude and...
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何標
9 months ago
(Translated by Google) Miss He's service attitude is very good. She explained the procedures very clearly,...
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Purple C
9 months ago
thx Jeremy for following up.
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shah nooreed
9 months ago
excellent service
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Kenneth Law
9 months ago
(Translated by Google) The staff, Ms. He, is polite and the overall process is clear. The advantages and...
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tam wai chun
9 months ago
(Translated by Google) Jeremy is very attentive and the service is excellent
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nick ho
9 months ago
(Translated by Google) Staff Jeremy's service is attentive, polite, and super standard
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CHI KEUNG CHOW
10 months ago
(Translated by Google) considerate service
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Milk
1 year ago
(Translated by Google) How convenient~ OK!
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gj zeng
1 year ago
(Translated by Google) The quotation is fast and the customer service is attentive and very good. support
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Chi Chung wong
1 year ago
(Translated by Google) Tried to help
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Kelvin Ho
1 year ago
(Translated by Google) Enthusiastic service, serious work
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Kevin Lau
1 year ago
(Translated by Google) I borrowed from La Finance Company to have a conscience, and Catherine Chan was hospitable...
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Chan William
1 year ago
(Translated by Google) help, trouble
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lam Rex
1 year ago
(Translated by Google) Good service! Can help
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Eric s Leung
1 year ago
Nice thx
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Cecilia L.
1 year ago
A financial advisor who acts in the best interest of their clients. Lendela offer fair financial planning advice...
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kk nb
1 year ago
(Translated by Google) Catherine chan, Ms. Chen, has a very good attitude and is very patient in answering...
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Jj J
1 year ago
(Translated by Google) Fast, efficient, considerate, comprehensive
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Wai Chan
1 year ago
(Translated by Google) quick and pretty
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Kazaf Gg1102
1 year ago
(Translated by Google) Convenient, the company will be listed out than you choose, and help
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wingitni cehign
1 year ago
(Translated by Google) Quickly pretty 👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻
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siu siu
1 year ago
(Translated by Google) I really want to thank them. Without them, I would not have successfully applied for a...
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Kin Ho Choi
1 year ago
(Translated by Google) Fast, friendly, more choices and compare
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Jonah Sacay
1 year ago
They're looking for a company that matched and what's best for you!
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Shing chi Lam
1 year ago
(Translated by Google) Good service
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faiz chan
1 year ago
(Translated by Google) It’s really efficient for you to take care of it in one day.
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king chan
1 year ago
(Translated by Google) good service attitude
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Delkat B
1 year ago
Fast approval in 20 mins.
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SAMMY KIM
1 year ago
Nice service and can trust. Good company
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Ka Ying Ko
1 year ago
(Translated by Google) Receive different offers within 30 minutes
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kin wing Law
1 year ago
(Translated by Google) Careful, professional, enthusiastic
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John Tsui
1 year ago
(Translated by Google) The staff is courteous and quick to reply, and can also provide suitable choices to...
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fung vws
1 year ago
(Translated by Google) The process is very fast, follow up carefully
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Jerry Wong
1 year ago
(Translated by Google) The system is simple and easy to understand, with detailed introduction and comparison...
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yip wai lam
1 year ago
(Translated by Google) Recommended
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陳家傑
1 year ago
Save my life
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Kitty Wong
2 years ago
Good service ... with more comfortable Super fast .... they can provided different way for your choice ...
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Ken Ng
2 years ago
Good Services and Prompt reply. The advice is comprehensive and useful. Thank you!
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yuklam shing
2 years ago
(Translated by Google) Really help
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自己整啦
2 years ago
Very Fast
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Andrew B
2 years ago
Very quick and friendly service. I input my request at 4.15pm on a Friday afternoon and I received a response 45...
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Ashley :3
2 years ago
(Translated by Google) The waiter is very courteous, highly recommended👍
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ming mo
2 years ago
(Translated by Google) service quality is very good
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Zee B
2 years ago
A great help, thank you. 👍
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MiKe CHENG
2 years ago
(Translated by Google) Quick pairing, close staff, and help.
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Jic Wing
2 years ago
Staff very helpful and professional. System of searching is amazing, fast and able to proof.
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Yasir Ali
2 years ago
Great service. Very convenient and fast service. Highly recommended.
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Karl Hon
2 years ago
(Translated by Google) The system is simple and easy to understand, with detailed introduction and comparison. It...
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Roda Yau
2 years ago
(Translated by Google) Very good, it is worth trying it!
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Anson Leung
2 years ago
(Translated by Google) Very satisfied with the service
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ting ting
2 years ago
(Translated by Google) Recommendable, polite and efficient
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ricky yeung
2 years ago
Service is good
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Chi Keung Kwok
2 years ago
(Translated by Google) He is a good loan platform, specializing in providing referrals and personal loan...
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Man Hoi Yeung
2 years ago
(Translated by Google) Really help you, there are no other bizarre charges.
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takman yau
2 years ago
(Translated by Google) Really help, so reply quickly! In the end, both results are better than expected!
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wing jai
2 years ago
(Translated by Google) The staff was very polite and Zhong Zhong helped me find a suitable loan company
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Rais Ahmed
2 years ago
Super fast, able to answer any loan related questions quick away! Super smooth procedure of handling documents as...
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June Lam
2 years ago
(Translated by Google) The attitude is very sincere and polite
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Chimfa Chan
2 years ago
(Translated by Google) Efficient, polite, recommend Lendela Ltd.
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keith cheung
2 years ago
(Translated by Google) Many thanks Lendela The contact person is very polite! The most important thing is to help...
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Li Denny
2 years ago
(Translated by Google) Efficient and helpful, it is worth a try
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lingfung shek
2 years ago
(Translated by Google) Effective thanks!
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Chan Man
2 years ago
(Translated by Google) Polite and efficient really help, will compare the best choices in various places, it is...
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Dhang Barberan
3 years ago
Very accommodating people.

3 STEPS TO YOUR BEST PERSONAL LOAN

Still googling for the best personal loan offers in Hong Kong? Use Lendela to find the best online personal loans for free. Complete your personal loan application within minutes.

Apply fast & easy

1. Apply by filling out an easy application form in 2 minutes

Receive your offers

2. Compare tailored personal loan offers from multiple banks

Sign the agreement

3. Select your loan preference online and get your loan as fast as in one day

LEARN MORE ABOUT LENDELA

Applying for a personal loan in Hong Kong has never been easier. Find the best online personal loans and personal cash loan offers for free in just a few steps.

Our goal is to make your loan application process quicker, simpler and more transparent. As Hong Kong's only true personal loan comparison service, we support you all the way from application to disbursement. Click below to read more about Lendela and how we empower thousands of loan-seeking Hongkongers every month.

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Good things to know about personal loans

What are the main differences between a personal loan and other loans? What should you think about before applying for one and how does the application process work? We have gathered all sorts of information about personal loans to give you the answers to your questions. Enjoy!
What is a personal loan?

What is a personal loan?


A personal loan is money that is borrowed for personal use for purposes such as paying off a credit card debt, buying home gadgets, home, or kitchen renovation, embarking on a special vacation, education, medical or wedding expenditure, or emergencies. Personal loans are also called consumer loans and are usually not backed by a collateral (e.g., a house, car). When an application for a personal loan goes to a lender, they usually begin their assessment by determining your credit score in order to understand whether you are eligible for the personal loan. Your credit score will also impact what interest rate should be placed on the loan. Once the loan has been approved by the lender, the borrower is expected to repay this over an agreed time. Repayments for personal loans usually involves making both principal and interest payments monthly. Personal loans offer individuals a way to secure money to pay for urgent needs or take advantage of time sensitive opportunities. Personal loans also enable larger sized purchases whilst making repayments at your own pace.

How a personal loan works

How a personal loan works


Banks, money lenders and other regulated finance companies in Hong Kong can lend you amounts ranging from $3,000 to $1,000,000. Once you have signed the loan agreement, you are agreeing to pay back the loan amount, plus the agreed interest rate. Repayments for personal loans are made on a regular basis and over a fixed period of time. The longest loan tenure for a personal loan in Hong Kong is usually up to six years. Loan repayments are set such that you can slowly pay back the amount you borrowed, plus the interest.

The requirements of a personal loan

The requirements of a personal loan


Before securing a personal loan in Hong Kong, an application form will need to be filled out by you. Most banks and financial institutions list a number of requirements when they assess the eligibility of an individual applying for a personal loan. To get the best loan package, there are few must-dos before filling out a personal loan application.

Step one: Compare your options

Weigh your options by determining the loan type that best caters for your needs. There are a variety of personal loans on the credit market today, and the one that you finally settle for is dependent on your financial situation and goals. Let’s examine some of the common personal loans that may be offered to you in Hong Kong.

  • Secured Loans

In Hong Kong, secured loans require the presence of a guarantor or collateral. The guarantor will be responsible for paying back the loan should you default (i.e. fail to make repayments on the loan). If you present a house, car, land, a piece of machinery or any form of collateral, then the institution will take possession of the collateral until you fully service the loan deal. A commonly used term for a secured loan for a house or apartment is called a mortgage.

  • Unsecured Loans

Most personal loans in Hong Kong are of the unsecured loans designation. For these types of personal loans, you do not need to present collateral or a guarantor. However, since these personal loans are unsecured, they often come with a set of requirements. You may be asked to present proof that you are financially stable and can repay the loan in order for your loan application to be approved. This is done to ensure that you can make timely repayments on the loan.

  • Unsecured Tax Loans

Tax loans in Hong Kong are seasonal by nature, and reflect Hong Kong’s tax seasonality. For an individual that do not wish to unwind investments or have not saved sufficient to pay taxes in a timely manner, an unsecured tax loan can be advantageous. Similar to the ‘regular’ unsecured loan you and the lender agree on a repayment period to pay back the borrowed amount, plus the accrued interest.

  • Personal Lines of Credit / Revolving Loan

You can also have an account through which you can borrow funds in fixed amounts without the need to repeatedly apply for personal loans. This account is referred to as a personal line of credit. It can be likened to a credit card; however, a personal line of credit allows the borrower to obtain cash instead of credit. A line of credit is beneficial when making expenses such as hiring the services of a contractor for long-term ongoing tasks like home renovations. There is no set repayment period of a personal line of credit.

  • Auto Loans

These are loans designed for the procurement of a vehicle. This type of car loans provides funds for individuals for the purchase of a car with an interest rate calculated and set on the funds. The interest rate could be on a floating or fixed basis. The interest rates on the floating interest rate depend on the base rate which varies across credit providers.

Step two: Access your eligibility criteria

Make sure you meet the requirements to receive a personal loan offer. This will save you a lot of time, as you otherwise might waste time considering a consumer loan that you are not eligible for. The basic eligibility criteria that need to be satisfied vary from lender to lender, and there are some common terminologies to consider when applying. These include:

Credit score: Lenders in Hong Kong rely on consumer credit report companies, such as TransUnion, gather an individual’s credit score. On top of this to this many lenders and banks apply additional credit scoring analysis. Different lenders are better at assessing credit risk in certain categories, and while some are experts analysing individuals with a low credit score, others are better at providing the best possible financing for individual with a strong credit score.

In Hong Kong, credit worthiness score is generally scored from 4,000 (AA) to 1,000 (JJ). Scores below 1,000 are generally considered too low to qualify for a consumer loan.

Employment: most lenders will see employment as an important factor or requirement when considering a personal loan application. While it is not a requirement for all lenders to have a permanent employment, being able to demonstrate a repayment ability is. Some lenders may expect you to have alternative sources of income like retirement benefits or investments in addition to being employed or unemployed.

Income: to successfully apply for a personal loan, you may be required to earn a minimum amount of monthly income. It is commonplace for lenders to demand that you earn an income of at least $10,000, and to show a proof of this. However, some lenders may be fine to approve a loan without income proof.

Residency: most financial institutions grant loans to Hong Kong permanent residents, residents with valid passport.

Age: you are expected to be at least 18 years old to apply for a personal loan in Hong Kong.

Step three: Finish the application process

The application procedure for a personal loan varies across finance providers. Many banks and companies granting personal loans provide online-based applications in addition to applying at their branch office. Online personal loan applications can help you save a ton of time and hassle. For most banks and financial institutions, applying for an online personal loan is a simple process that entails uploading the required documents using your mobile phone or computer at home.

Usually, you’ll be required to tender a variety of documents and personal data to the lending institution, before or during the application process. The documents typically consist of:

Government-issued identification: the applicant needs to provide a Hong Kong ID Card or Hong Kong ID Card coupled with passport if you are a non-permanent Hong Kong resident.

Proof of income: In some cases, you may be asked to tender payslips or bank account statements of one or a few months by some bank or lending institution. If you are in the self-employed category, lenders may demand tax returns from the last two year of the most recent one-year statement for both current and savings accounts.

Proof of residence: You need to prove that you are a resident of Hong Kong by providing a recent utility, bank other financial institution statement that confirms your residence. Once all your residential information has been confirmed, the application process will be a breeze. Personal loan applications that are done over the phone or at a branch may take a while longer than those that are done online.

Applying with Lendela

When you apply for a personal loan with Lendela, your application gets sent to several banks and lenders simultaneously. They get back quickly with their best loan offer for you to pick. The online personal loan application takes only a couple of minutes to complete (to speed it up, have all your information ready) but you can also apply by calling our customer service, and one of our skilled advisors will help you through the whole process.

Step four: Wait for a message of approval

Your online personal loan application will be acknowledged electronically, and you’ll be notified if you have been pre-approved in a couple of minutes. No matter the lending style of the financial institution, the pre-approval and full approval phases are the two stages you should expect to hurdle past when applying for a loan.

  • Waiting for offer stage

Once you have submitted your personal details to a lender / bank or a loan broker like Lendela, these institutions will start assessing whether they can provide you with a loan. When applying via Lendela, you can expect all lenders to have come back to you with an individualised personal loan offer for your approval, within a day.

In the case of Lendela, we connect with multiple banks and lenders, enabling you to review a number of personal loan offers at the same time. In other words, you can sit back and focus on other things, while Lendela is searching for personal loan offers for you. When new personal loan offers are available and when the complete search has been finalised, Lendela will get back to you.

During this phase lenders are likely to submit your personal information for a credit check, to assess your credit score.

  • Selecting offer

In the case of a bank / lender you will need to select or refuse their offer. If applying with Lendela, you will be able to compare offers from different financial institutions on our webpage, and select the one most suitable for your needs.

  • Complementary information / Full underwriting

Once an offer has been selected, you are no longer eligible to select other personal loan offers on the Lendela platform. You are requested to provide some additional information to support your personal loan application ahead of the lender’s full underwriting of the loan. This could include.

  1. Proof of identity

  2. Proof or residence

  3. Proof of income

Step five: Disbursement of the loan funds

Lenders can fund your loan through a variety of means. For example, when you obtain a car loan, the lender may opt to pay the car dealer directly. This is usually the same case with loans taken for debt consolidation, where they send the money to your creditor directly. When you apply for an unsecured personal loan plan, the lender forwards the funds to your designated bank account. This process of disbursement usually takes a few business days.

Step six: Know all the repayment terms

Most lenders fix repayment terms to be made on a monthly basis. Repayments can be made online, via direct payments from your set bank account. It can also be done via third-party money transfer providers, to the account of a designated debt collector or via check. It is important to ensure what applies if you wish to service your loan faster than the agreed terms. Sometimes the lender applies an early settlement fee for customers that choose this option.

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Who offers a personal loan?

Who offers a personal loan?


Options available to a borrower for obtaining personal loans include:

Banks

A handful of banks and financial institutions provide personal loans. These include HSBC, Standard Chartered, Hang Seng Bank, Citi, DBS and Bank of China and they require a decent credit score to qualify from any of their loan packages. If you are an existing customer, you may be eligible for benefits such as applying without the need to visit a branch or qualify for a heftier loan amount. In addition, some banks generate credit scores for free.

Virtual Banks

New licenses for virtual banks have been issued in Hong Kong. Their scope will be equivalent to that of traditional banks, but without the need for a physical branch presence. Virtual Banks like Livi VB, SC Digital Solutions and Zhong An Virtual Finance and WeLab have the capabilities to extend personal loans, and as their scope and breadth of their operations unfolds some or all of these are likely to offer attractive products for their customers.

Money Lenders

These are credit institutions that supports its customers with personal loans, revolving credit, credit card and sometimes auto and tax loans. Money lenders have a strong track record of analysing consumer creditworthiness and provide competitive loan offers. In some instances money lenders can be more flexible on some of the metrics when assessing an individual’s creditworthiness and effectively step in where some banks may would have declined the same application.

Online-based Money Lenders

These lenders provide a very swift and convenient way to find and compare personal loans. Most online personal loan lenders give flat-rate quotations and approval delay is usually two working days. There is stiff competition in the personal loans’ market nowadays, meaning that web-based lenders work extra hard to set themselves apart from conventional lenders either by developing lending guidelines that transcend the traditional credit-determination methods or with added benefits like flexible disbursement, repayments, zero fees or methods of lowering interest rates.

Comparison Platforms (like Lendela)

These are websites that allow individuals to compare and select the best personal loan offers by connecting borrowers to banks and lenders.

Peer-to-Peer Lending

Globally Peer-to-peer (P2P) lending has grown a lot. P2P lending is a personal loan financing approach that allows individuals to lend and borrow funds via a web-based platform without an intermediate registered financial institution. Peer-to-peer lending is advantageous as it claims to cut out the middleman from the lending system. P2P lending is also known as crowd-lending or social lending. In Hong Kong, the regulatory framework surrounding P2P lending is still not settled

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10 benefits of a personal loan

10 benefits of a personal loan


1. There are no restrictions on how you use the funds

This is perhaps one of the biggest advantages when applying for a personal loan. The money can be utilised at your discretion. So whether it’s a for a wedding, tuition fee, purchase of machinery, emergency medical treatment or vacationing, you decide how you want to use your funds.

2. No collateral is demanded

For unsecured loans, the issuer does not require any security in the form of collateral, prior to the disbursement of the funds. By contrast, for secured loans you would pledge your house, vehicle or land as collateral to the lender or financial institution. Failing to repay your secured loan could result in the financial institution seizing your collateral.

3. Easy documentation

Completion of the paperwork for a personal loan is pretty easy. In Hong Kong, you’d tender only proof of identity, residential address, and income in the typical personal loan application. If you’re applying for a personal loan online or via a web-based platform, all you need to do is upload a picture of each document, and complete the application.

4. Monthly repayments reduce financial burden

Personal loans are designed so that you can make repayments in monthly instalments. This involves repaying a portion of the principal amount and the interest amount in simple portions. The lender does not expect you to pay off a large chunk of the loan in one go. Rather, the lender typically prefers you to predictably pay each instalment as per the agreed terms.

5. It’s more cost effective than credit card loans

It is commonplace to find people using credit cards. Obtaining a credit card loan deal is quick and easy but one drawback to its how expensive it can become. Failing to repay the credit card in full each month, interest rates on credit cards in Hong Kong can be well above 30%, excluding late fees and other administrative fees while personal loan offers can often go for as low as 2% per annum.

6. Fast processing

Most personal loans in Hong Kong take less than two days to process. If the loan issuer has received your completed application and all the supporting documents, then a lending decision can be taken almost instantly. Your credit score and credit history would be further evaluated when your personal loan application is being reviewed. In addition to receiving your application at a branch office, some personal loan lenders may give you the opportunity of applying online via their website.

7. Quick disbursement

Personal loans come with quick turnaround time. An approved loan fund can be disbursed in less than a day or two. Existing customers of a lending institution stand a better chance of receiving the money faster. If your personal loan application is completed during the weekend or public holiday; the lender might not be in operation at the time of the submission. The application will then be processed the next business day. The disbursal of funds is dependent on full approval of the personal loan application as mentioned earlier.

8. Tenure flexibility

The borrower is often given a range of one to six years to repay the loan; and can be further extended by some lenders. Tenure depends on the loan principal and interest rate. Make an effort to discuss tenure options with the lender so that a repayment plan that works for both parties is agreed.

9. Availability of top-up options

Some lenders allow you to for a top-up on an existing loan deal. Let’s say you have a loan of $30,000 but need an additional $10,000. In such a scenario, you can request for a loan extension of $10,000 on the previously approved loan whilst maintaining the same interest rate. With this, you are not required to re-apply for a new loan; saving you a significant amount of time.

10. Availability of various loan types

A personal loan is not necessarily a standardised items with a pre-set framework. In truth, there are a plethora of personal loan deals available. There are some plans that are designed for certain industry professionals such as lawyers, doctors, engineers, and investors. Similarly government employees, housewives and students may also enjoy loan plans that charge very low-interest rates due to their specific characteristics.

At Lendela, we believe in finding innovative ways to simplify your personal loan application process by leveraging digital technology. We are brimming with confidence on the back of over 15 years of experience in helping connect consumers with the best credit providers in the Scandinavian region, channeling more than one million customers to over 30 well-established banks and lenders in the region, such as Santander, SEB & Swedbank.

We have mediated over 600,000 loan applications in South America, thanks in no small part to our partnerships with more than 30 established credit partners including Banco Pan, BV, Safra, Banco Maxima, Banco CBSS and Banco Ibi. We are also market leaders in Brazil and have been lauded for enabling customers to enjoy the best personal loans to fulfil their dreams.

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