Personal Loan
Personal Instalment Loan
Debt Consolidation
  • Loan amounts up to HK$800,000
  • Repayment terms up to 84 months
  • Daily interest calculation; free of any handling fees and administrative fees, no hidden expenses
  • Borrow and repay at any time without penalty for early repayment
  • Applicable to one-off repayment of credit card debt, reducing interest and monthly expenses
  • Selected clients can enjoy lower interest rates with a monthly flat rate of 0.48% *
  • Applications can be made by both working and self-employed persons

Selected clients include home owners, civil servants, Hospital Authority staff, elementary and middle school teachers, bank employees, executives and professionals, such as doctors, lawyers, accountants, architects, pharmacists and engineers. The Company reserves the final right of interpretation of the definitions of "executives" and "professionals". The above monthly flat rate is calculated based on a repayment term of 12 months, namely an annualized percentage rate of 10.47% and is for reference only. If a loan application fails to meet the Company's rating requirements, the Company will review and approve the application on a case-by-case basis; the interest rate may be adjusted. Please enquire for further details from our staff.

Note:
  1. The repayment terms, monthly repayments and interest rate are subject to final approval and Wing Fung Credit Limited reserves the right to review and approve the loan amount, term and interest rate.
  2. In accordance with the Money Lenders Ordinance, the annualized percentage rate does not exceed 48%. The final personalized interest rate varies according to the customer’s financial position. Flexible repayment tenor from 3 months up to 84 months. Calculated and based on a loan amount of HK$10,000 with annualized percentage rate of 8% and repayment period of 12 months, the monthly instalment is HK$870. The total repayment amount is HK$10,440 and the total interest of the loan is HK$440.