Our ultimate holding company
Public Bank Berhad, Malaysia
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  1. Interest Free Personal Loan Promotion

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No interest will be charged during the repayment tenor of the loan.
Annual administrative charge is HK$500*.
For every loan multiple of HK$10,000 and repayment tenor of 12 months, the monthly repayment amount will be HK$834.
You can choose repayment tenors of 12, 18 or 24 months.


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  2. Personalised Rating Personal Loan Promotion

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Interest rate offered is as low as 0.18% p.m. flat* based on your personal financial condition.
Daily interest as low as HK$0.6* for every loan multiple of HK$10,000.
Save on interest payment up to 95% when you transfer your credit card balances to the Personalised Rating Personal Loan with Public Finance.
Quick loan approval to fulfil your financial needs.


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  3.  Personal Loan Express Promotion for Application Hotline and
     Internet


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New customers who apply through our Application Hotline or Internet are eligible to get supermarket shopping vouchers valued up to HK$2,000*.
Enjoy savings on interest payment by transferring your outstanding credit card balances or other loans to the Personal Loan Express Promotion with Public Finance.
Loan amount up to HK$600,000.
Privileged interest rate.
Quick loan approval to meet your financial needs.

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  4. Special Personal Loan Program for Civil Servant

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Monthly flat rate as low as 0.18%*.
New civil servant customers are eligible to receive instant cash bonus of 0.5% on loan amount approved and drawn down.
Eligible civil servant customers are entitled to receive supermarket shopping vouchers valued up to HK$2,000^ based on the total outstanding balance of unsecured credit facilities with other financial institutions settled with the loan proceeds drawn down under this promotion.
Maximum loan amount is HK$600,000.

 
 
  5. Customer-Get-Customer Program for Personal Loan

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Customers who refer their friends or relatives* to become new customers of Public Finance will get instant cash bonus.
Instant cash bonus at 1% of the approved loan amount subject to a maximum cash bonus of HK$1,000 will be given to you or credited to your designated bank account upon successful draw down of the Personal Loan by the new customer referred by you.
Act now! Participate in our popular “Customer-Get-Customer Program” now.


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    6. “Executive Super Cash” Personal Loan

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Personal Loan with low interest rates offered to business executives or select customers.
Loan amount up to HK$600,000.
Fast approval and low interest rate to fulfil your financial needs.


 
 
  7. Personal Loan Promotion Campaign for New Customers

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New Customers* are eligible to enjoy privileged interest rate.
Quick loan approval to fulfil your financial needs.


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  8. My Cash Revolving Loan Promotion

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 Monthly interest rate as low as 0.6%1. Interest will be charged on the
 outstanding loan balance.
 Choose your own monthly repayment amount2.
 Customer can withdraw or request top-up loan amount by calling our hotline or
 visiting any of our branches. The amount withdrawn will be paid into your
 designated bank account.
 No handling fee3 is charged for every withdrawal.


  9. Residential Flat Owner Loan

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All owners of Private Housing, flats under Government Home Ownership Scheme and Government Tenants Purchase Scheme or any self-occupied residential properties are eligible to apply.
Applicable to properties with existing mortgage and old properties.
No property pledge and premium payment are required. For joint ownership of property, either owner can apply for the said loan.
Preferential interest rate and high loan amount.
No handling fee, valuation fee and legal fee.


  10. Tax Bill Personalised Rating Personal Loan Promotion

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No handling fee.
Loan multiple up to 15 times^ of monthly salary.
Interest rate as low as 0.16%* p.m. flat.
Successful applicants can get supermarket shopping vouchers valued up to HK$500.


  Application Procedures

 
  If you have steady monthly income in Hong Kong, you may apply for our Personal Loan at any one of our branches and get instant cash in just 30 minutes.

Please bring along the following documentation proofs when you apply for a loan :

 
- Hong Kong Identity Card.
- Employment and income proof, e.g. employment letter, bank saving passbook or statement showing salary credits.
- Residential proof, e.g. water bill or electricity bill.
- Current year salary tax assessment.

If you cannot apply during office hours, Public Finance has selected some strategically located branches and extended the business hours up to 7:00 p.m. (Mon - Fri) and up to 5:30 p.m. (Sat & Sun) to provide greater convenience to you. For more detailed information, please contact our hotline at 2848 1888 or visit our "Branch Network" on the website of Public Finance.

The above promotions are subject to the Terms and Conditions of the respective promotions. For details, please contact us at 2848 1888. In addition, you may enquire for more details of your loan application or know the results of your loan application through our Phone Application Centre. Just call 2848 1888 from 9:00 a.m. to 09:00 p.m. (Mon - Fri) or from 9:00 a.m. to 5:00 p.m. (Sat).