You can apply for Overdraft Facility up to HK$200,000 from Public Finance and enjoy preferential low interest rate calculated based on daily outstanding balance. Our Overdraft Facility offers you the greatest flexibility in repayment schedule with low minimum monthly payment.
The main features of our Overdraft Facility are as follows :     

Withdraw cash at any one of our branches.
Minimum monthly repayment as low as 5% of outstanding balance or HK$50, whichever is higher.
Preferential interest rates*.



*Preferential interest rate is based on our HKD Prime Rate, which is subject to the rate quoted by the Company from time to time.

Application Procedures

Apply for our Overdraft Facility is easy. If you have a monthly income of not less than HK$5,000, you can apply at any one of our branches or simply send your duly completed application form together with copies of the required documentation proofs* to :


Public Finance Limited
GPO Box 11102, Hong Kong


Upon approval of your application, you can use the standby facility at once. For further enquiry, please call our Phone Application Centre at 2848 1888.


*Remark : The documentation proofs are as follows :  

Hong Kong Identity Card.
Bank passbook or monthly statement (for the latest 3 months). 
Latest address proof.
Latest income proof (i.e. salary pay slip or company letter).