Student 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



Year 3 of University

Suki is currently in her third year of university and works part-time on top of her studies, earning an average monthly income of around HK$10,000. During the summer break, Suki joined a cultural exchange study tour organized by her school, which lasted for one month. To cover the daily expenses and course fees for the study tour, she ended up using multiple credit cards. Upon returning to Hong Kong, she received the credit card statements and realized that her expenses exceeded her income.

Suki reached out to Credit KO for assistance, and through WhatsApp inquiry, with detailed explanations from the loan officer at Credit KO, she decided to apply for a student loan. As Suki has a part-time income, Credit KO approved a loan of HK$40,000 for her. This allowed her to pay off all the credit card debts at once, relieving her from all the worries and financial troubles.