Frequently Asked

Before Applying

Credit KO offers a wide range of diversified loan products, including property Mortgages/Property Owner’s Loan, Personal Loans, Debt Consolidation Loans, Civil Servant/Professional loans. Additionally, we provide a “No show” Mobile App to cater to the needs of the new generation, offering the most flexible, efficient, and personalized loan solutions. We are here to support every individual in Hong Kong!

Minimum requirements when applying with Credit KO
• 18 years or older
• Living in Hong Kong
• Minimum monthly income of $8,000

If you have bad debts
Don’t worry, You can still apply with us. However, if you have bad debts with both banks and licensed moneylenders, your chances of obtaining a loan will be significantly reduced. But we still encourage you to apply with us first, we will offer the most flexible, efficient, and personalized loan solutions for you.

If you have existing loans
We have helped many customers with existing loans, so you have come to the right place!

Applied using our application form. 

After completing the online application during office hours, we can provide the fastest possible approval result instantly and disburse the funds on the same day. However, the actual timeline may vary depending on factors such as the loan amount and completeness of documents.

The repayment period is tailored to meet customer needs, and the maximum tenant can be up to 120 installments.

Credit KO does not perform credit inquiries or checks on credit reports such as TU/TE. This means that your credit rating will not impact the approval decision. As long as you have a job, you are eligible to apply.

Certainly, it is possible to apply without income proof. Credit KO will assess each individual application on a case-by-case basis and may waive the requirement for income documentation.

Always. To us, your privacy and the protection of your data is extremely important. We never share any data related to you as an individual or your application unless it’s essential in the process of getting you the best possible loan offer.

After Approval

Definitely not. You are free to use our service as much as you want to compare different loan solutions. There is no commitment tied to your application and you are free to decline all the offers presented to you. Go ahead and try us!

If you wish to increase the loan amount or reloan, Credit KO provides flexible approvals without limitations to meet customer needs.

If you need to repay the loan early during the loan contract period, you can enjoy the interest cutoff benefit for the current month. Simply call 2388 8530 or WhatsApp us at 54132827 to inform us of your request, and Credit KO will follow up with the necessary arrangements.

This depends on each loan provider’s internal process. Although, once your application has been approved and you have accepted an offer, it normally takes less than 24hrs before the money is in your bank account. In some cases, the disbursement happens immediately after approval.

It is essential to make monthly repayments on time to avoid any late payment penalties. If you encounter difficulties in making timely payments, please proactively notify us for negotiation. If you wish to make early repayment, it is absolutely welcome. We will deduct the proportionate interest and only require repayment of the remaining principal.