Personal Loan
Personal Loan

Interest-free Personal Loan Promotion


  • No interest will be charged during the repayment tenor of the loan.

  • Annual administrative charge is HK$500*.

  • For every loan amount 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.


*For example, for loan amount of HK$10,000 with repayment period of 12 months, the average monthly administrative charge is 0.4167% of the loan amount. According to different loan tenor, the Annualised Percentage Rate ("APR") is 10.17% (12 months), 10.59% (18 months), 10.92% (24 months). An upfront administrative charge will be levied and deducted from disbursement amount. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate.


The Interest-free Personal Loan is subject to terms and conditions. For details of the above promotion, please contact our staff at 2848 1888.



Application Procedures

If you have steady monthly income in Hong Kong, you may apply for our Personal Loan through our Application Hotline 2848 1888, Online Application , PFL eLoan App.


eloan app qrcode


or bring along the following documentation proofs when you apply at any of our branches

  • Hong Kong Identity Card
  • Employment / Income proof
  • Residential proof


If you cannot apply during office hours, Public Finance has extended the business hours of selected branches to 7:00 p.m. (Mon - Fri) and to 1:00 p.m. (Sat) for your convenience. For details, please visit our "Branch Network".

The above promotions are subject to the Terms and Conditions of the respective promotions. For details, please contact us at 2848 1888 from 9:00 a.m. to 6:15 p.m. (Mon - Fri) or from 9:00 a.m. to 1:00 p.m. (Sat).