CreFIT Property Owner Loan: borrow up to HK$1.5M without mortgaging your property. Repayment from 6 to 60 months.

NEW! CreFIT Property Owner Loan Exclusive!

Let you access funds without mortgaging your property. Simply apply with your Hong Kong Identity Card and enjoy a dedicated personal loan tailored to your financial needs.

• Loan amount up to HK$1,500,000
• Repayment period from 6 to 60 months
• Fully mobile application

For full details, please visit: crefit.com

※ Loan approval and amount are subject to individual eligibility and terms and conditions

Introducing CreFIT Credit Report (in PDF)

Download your personal credit report today, taking control of your financial health with CreFIT's free personal credit report service. You can also enjoy exclusive welcome rewards during the designated period.

Report provided by TransUnion.

CUSTOMER WELCOME REWARDS: 17 April 2026 – 2 July 2026

1. Download Reward: First-time registered members who successfully download their personal credit report will receive HK$50.
2. Analysis Reward: Upload your personal credit report to the CreFIT app for Credit View analysis and receive an additional HK$50.

※ Offers are subject to terms and conditions

TIME-LIMITED OFFERS

Referral Scheme: Refer friends and earn up to HK$3,888 cash reward. Earn up to HK$2,688 per successful referral.*

CreFIT Mobile Cash x MyLink: Enjoy a 12% interest rebate and HK$100 MyLink activation reward. Valid until 31 December 2026.*

CREFIT APP FEATURES

Moni Bill: Consolidate all bills in one app. Track expenses, receive due date reminders, and get alerts for unusual charges.

FEATURES OF CreFIT CASH LOAN

• Special loan program for civil servants, professionals, and selected customers. • Eligible applicants may enjoy a low interest rate plan with effective rate as low as 1.38%. Limited quota available. • New customer cashback offer available. • Incognito mode Quotation. No income proof required. Fully automated quotation with no impact on credit rating#. • Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns. • Flexible repayment periods between 6 to 48 months. • No Extra Fee. No hidden fees.

CLEARCARD CREDIT FEATURES

• Fully mobile. Resolve credit card debts in as fast as 3 minutes.
• No credit report checks. No impact on credit rating.

• Accepted by 17 major card issuers including HSBC, BOCHK, Hang Seng, and more.

  LOAN REPAYMENT INFORMATION

• The minimum repayment period is 3 months, and the maximum is 48 months. • The effective rate generally does not exceed 36%. • A brief description of loan-related fees is as follows, for reference only:

Loan amount: HK$200,000 Interest rate: monthly flat rate 0.3472% Effective rate: 8% Repayment period: 24 months

Total interest = Loan amount x Monthly flat rate x Repayment periods HK$200,000 X 0.3472% X 24 = HK$16,666.72

Total payment amount = Loan amount + Total interest HK$200,000 + HK$16,666.72 = HK$216,666.72

Monthly repayment amount: (Loan amount + Total interest) / Repayment periods HK($200,000 + $16,666.72) / 24 = HK$9,027.78

• The loan amount and interest rate are subject to individual circumstances and final approval results

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Warning: You have to repay your loans. Don't pay any intermediaries Inquiries and complaints Hotline: 6369 2338 Money Lender's Licence No.: 577/2026 VCREDIT Finance Limited

No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that.

^ From your consent accessing the credit report to the approval result. Applicable to qualified customers only. For details, please refer to the website.

• *Offers subject to relevant terms and conditions • *VCREDIT Finance Limited reserves its absolute right on any loan approval decision, offer, and any disputes

Address: Room 1101, 11/F, Tower 1, Admiralty Centre, No. 18 Harcourt Road, Hong Kong