Civil Servants &
Professionals Loan

Empowering you to achieve your dreams

Fast Approval
Fast Cash 24/7

Credit KO understands life’s unpredictability. We offer fast and convenient online personal loans without face-to-face meetings or credit checks. Choose flexible repayment options.


Fixed Installments

Choose the “Fixed Installment” repayment plan where each month’s fixed payment includes both the loan principal and interest. Even if you repay the loan early, there are no penalty fees or charges.




Flexible Repayment

Choose the “Flexible Repayment” plan where customers can decide their monthly repayment amount based on their financial situation. Customers can choose to repay only the monthly interest or any amount greater than the interest. Customers only need to complete the repayment within the customized repayment period, and there are no penalty fees or charges even if the loan is repaid early.



Freedom and Flexibility in Your Hands!

Flexibility and Independence

With Credit KO’s online personal loans, customers have the freedom to decide their monthly repayment plan based on their individual financial situation. They can choose the “Fixed Installment” plan, where they only repay the minimum monthly payment (i.e., interest only), or the “Flexible Repayment” plan, where they can repay any amount exceeding the interest.

Flexible Savings

Customers can decide their monthly repayment plan based on their financial situation, choosing to repay only the minimum monthly payment (i.e., interest only) with the “Fixed Installment” plan or any amount exceeding the interest with the “Flexible Repayment” plan. Our flexible repayment options allow customers to save on interest expenses and reduce the cost of their loan.

Flexible Repayment Term

Financial institutions typically calculate the total interest based on the loan amount and the “Monthly Flat Rate” when approving loans. After agreeing on the interest, repayment period, and amount with the bank, equal installments are made each month. Personal loans serve various purposes, such as home renovations, children’s education expenses, and debt consolidation. You can compare personal loans based on their purposes on our loan comparison page. Regardless of the reason for borrowing, timely repayment of each installment is crucial to avoid penalty interest. In Hong Kong, the repayment term for personal loans typically ranges from a minimum of 3 months to a maximum of 60 months.

Whenever you need it

We've got you covered!


(Up to 21x of your monthly salary, based on the lower amount )

Annual rate

APR as low as 3.36%

Cash Express

Qucik cash within 24 hours



Civil Service position at the Home Affairs Department

Yuki, who works as a civil servant at the Home Affairs Department, earns a monthly salary, including allowances, of HK$25,000. In order to make further progress in her career, she decided to enroll in a part-time doctoral degree program. However, Yuki had limited available funds, so she turned to Credit KO for assistance.

Yuki applied for a government employee loan with Credit KO. In the end, Credit KO approved a loan amount of HK$150,000 for Yuki. Miss Yuki could immediately enroll in the doctoral degree program and seize the opportunity for career advancement.


To meet the financial needs of Civil servant & Professionals, Credit KO offers high loan amounts. The maximum loan amount is up to HK$2,000,000 or 21 times the monthly salary (whichever is lower), allowing customers to easily manage their financial requirements. After borrowing the money, customers can choose between “fixed installment” or “flexible repayment” plans based on their financial situation, providing flexibility in loan repayment.

To apply for Credit KO’s Civil servant & Professionals Loan, there’s no need for face-to-face interactions. Simply provide your ID Card, income and address proof, and bank account details. You can submit the loan application online, and the approval process takes just 15 minutes. Within 24 hours, we will transfer the funds directly to the designated bank account you provided using FPS (Faster Payment System), quickly fulfilling your financial needs.