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Guard your credit score health
Great credit creates greater value
Generate value with our hearts
Integrate vast and diverse data to analyze customers' credit status in seconds across all dimensions, providing a more objective and precise assessment than traditional methods.
Utilize bank-grade encryption technology combined with a rigorous risk control system to monitor and protect your personal data 24/7, preventing any leakage.
CreFIT breaks through the constraints of traditional lending with advanced fintech. Integrated with intelligent big data analysis technology, we offer 24/7 uninterrupted service. No face-to-face meetings or complicated paperwork required—handle everything from application to fund transfer easily via your mobile phone.
Download the CreFIT App and register with your mobile number. Take a photo of your HKID and undergo facial recognition; the system will verify your identity automatically and instantly.
The system uses big data for precise analysis to provide a personalized loan limit and interest rate instantly.
Choose your repayment period flexibly based on your needs with clear and transparent fees. After confirming the credit plan, complete the e-signature directly within the App.
Once the contract is confirmed, funds are automatically transferred to your designated bank account 24/7 via the Faster Payment System (FPS). Cash is available instantly with zero delay. (Actual transfer time is subject to individual bank processing arrangements.)
Impact on Credit Report (TU)
Approval Speed
Document Requirements
Service Hours
Fund Disbursement
Repayment Period
CreFIT Cash Loan
(Intelligent Credit)
Incognito quotation; does not leave a hard inquiry record. (Note: A TU check and record will still occur upon your consent for loan application confirmation.)
Traditional Banks /
Major Money Lenders
Quotations require a TU check; multiple hard inquiries can significantly impact your score.
"Speed is everything in the electronics products trading. Whenever a hot new product is launched, I must have sufficient cash ready to stock up immediately to seize the market opportunity. Recently, to keep up with the launch of a new smartphone, I urgently needed funds to expand my inventory.
Compared to the complicated vetting process of traditional banks, CreFIT’s intelligent big data analysis surprised me. Borrowing money online doesn’t require submitting piles of financial statements, and the quotation process leaves no hard TU inquiry record, which gives me great peace of mind. (Though a TU check is still required upon final application after my consent). I applied late at night, got approved in less than 60 seconds, and the funds were transferred instantly via FPS to my bank account. I can secure the stock, generate a profit, and enhance the flexibility of my business’s cash flow with CreFIT."
Will applying for a CreFIT Cash Loan affect my credit score (TU)?
No in the quotation stage. CreFIT adopts "Incognito Mode Quotation". It gives a trace-free quotation in the application stage, no hard inquiry record is left on your credit report, nor will it deduct points from your credit score, allowing you to check your limit with peace of mind. Please note, however, that your credit report will still be obtained when processing the actual loan application.
What supporting documents are required for the application?
In general, no complicated income proof, such as payslips, tax returns, or proof of address, is required. Simply download the mobile App, take a photo of your HKID and selfie, then link your bank account for authentication; the system will then calculate the approval.
Can I receive funds immediately if I apply during the weekend or late at night?
Yes. CreFIT operates 24/7 and is not limited by office hours. Whether it is a weekend, public holiday, or late at night, once the contract is confirmed, the funds will be instant deposit to your bank account via FPS. The final receipt time depends on the borrower’s designated receiving bank.
How long does the approval process take?
Approval can be completed within 30 seconds. The process is fully automated 24/7, and funds are available immediately.
