Empowering you to achieve your dreams
Personal Loan
Fast Approval
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.
- The repayment amount includes the loan principal + interest.
- Early repayment within the customized loan term (within 60 installments) incurs no penalty interest or fees.
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.
- Empower yourself to decide the monthly repayment amount based on your financial situation (choose to repay only the interest or any amount exceeding the interest)
- Financial freedom in your hands! When your monthly finances are more flexible, choose to repay more. After deducting the payable interest from the repayment amount, the remaining payment will be used to reduce the principal, resulting in lower interest for the next installment. By completing your loan early, you not only finish ahead of time but also save on interest.
- Customize your loan term (within 60 installments) and enjoy penalty-free early repayment. No penalty interest or fees for paying off your loan ahead of schedule.
5/5
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!
Maximum
(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
Applying
is so that easy!
Apply in just 5 mins
Get ready with your ID, income、address proof and bank account details.
Start your no-show, no-TU loan application journey online!
15 mins AI instant approval!
AI lightning-fast approval and instant customized Non-TU loan plans.
Confirm your loan with online signing!
Cash in hand within 24 hours!
Just Tap & Grab your cash with FPS transfer
Apply in 5mins
Loan process completed 24x7 online
Approval in 15mins
Get notified via SMS or call about your approved Non-TU loan instantly!
24/7 Cash in Hand
Cash will be ready and transfer by FPS , just that easy!
Download NOW
Online Personal Loan
Simple and efficient process for applying for an online personal loan with Credit KO, meeting your diverse financial needs.
Apply in just 5 mins
Get ready with your ID, income、address proof and bank account details.
Start your no-show, no-TU loan application journey online!
15 mins AI instant approval!
AI lightning-fast approval and instant customized Non-TU loan plans.
Confirm your loan with online signing!
Cash in hand within 24 hours!
Just Tap & Grab your cash with FPS transfer
Apply in 5mins
Loan process completed 24x7 online
Approval in 15mins
Get notified via SMS or call about your approved Non-TU loan instantly!
24/7 Cash in Hand
Cash will be ready and transfer by FPS , just that easy!
Download NOW
5/5
CASE
Bonnie, a single mother with unstable income, struggled to cover rent and her son’s daily expenses, leaving little room for savings. When her son expressed interest in joining a school club, Bonnie lacked the funds to support it. Despite her busy work schedule, Bonnie sought help from banks and financial companies but couldn’t personally visit due to work commitments. Without regular income proof, traditional institutions were hesitant to approve her loan application. Bonnie was also wary of requesting income proof from her employer, fearing they would learn about her loan purpose.
Finally, Bonnie turned to Credit KO for assistance and applied for a personal loan over the phone. No income proof or credit reports were required, and once approved, the loan amount was directly deposited into Bonnie’s designated bank account. The entire loan application process was hassle-free, without the need to visit Credit KO in person. Now, Bonnie can easily enroll her son in the club he desires.
(FAQs)
What documents are required for applying for an online personal loan?
The required documents for applying for an online personal loan with Credit KO are simple. You just need to prepare your ID card, income proof, address proof, and latest 3 months bank account statement. You can apply on our website or through our mobile app, and the application process can be completed in just 5 minutes.
How long does it take to approval after submitting the application?
After submitting the online personal loan application to Credit KO, our AI system will process the application and provide an extremely fast approval within just 15 minutes. We will then design the most suitable loan plan for the applicant. If the applicant agrees to the details and terms of the loan plan, they can sign the agreement online. Within 24 hours, we will transfer the cash via FPS (Faster Payment System) to the applicant’s designated bank account, effortlessly resolving any financial difficulties.
