Personal Loan
Personal Loan
  • Monthly flat rate is as low as 0.18%* based on your personal financial condition.
  • Daily interest as low as HK$0.6* for every loan amount of HK$10,000.
  • Save on interest payment up to 95% when you apply the Personalised Rating Personal Loan and transfer your credit card balances to Public Finance Limited.
  • Quick loan approval to fulfil your financial need.

Credit Card Outstanding Balance

Personalised Rating Personal Loan

Loan Amount HK$300,000 HK$300,000  
Average Repayment Amount for First 3 Months HK$14,974.94 HK$13,025  
Repayment Tenor Up to 243 months 24 months  
Total Interest Expenses HK$285,164.29^ HK$12,589

Save on Interest up to 95%


The respective monthly flat rate and Annualised Percentage Rate ("APR"), including 1% handling fee for the entire repayment period, for loan amount of HK$10,000 is 0.1807%/6.01% (12 months), 0.1748%/5.07% (24 months), 0.1736%/4.75% (36 months). 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 above example is for reference only. Assuming the monthly repayment amount is 5% of the HK$300,000 credit card outstanding balance at an interest rate of 30% p.a (APR is 34.49%) and the repayment tenor is 243 months.  

The Personalised Rating 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).