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Product Features
The application process is fully automated and simple. No show up and all done via mobile 7X24 and anywhere! Tenor at your choice ! Instant cash drawdown! Easy loan application and flexible repayment.
Successfully extract a specified loan amount with a repayment tenor of 12 months or more to qualify for a generous cash rebate. The larger the loan amount, the higher the rebate. The rebate will be credited directly to your account, adding value to your cash flow.
No credit report (TU) check is required during the initial application stage#. The Incognito Mode Quotation process will not leave any hard inquiry records on your credit report, ensuring 100% no impact on your credit rating.
Once the application is submitted, we promise to complete the approval process within 30 seconds^. If the system processing time exceeds 60 seconds, an interest-free voucher of up to HK$1,000 will be provided*. No income proof required, with loan amounts up to HK$500,000.
End-to-end automation. Funds are on standby 24/7. Once the contract is confirmed, funds are disbursed via the Faster Payment System (FPS), with cash arriving directly in your account instantly.
CreFIT offers highly flexible repayment plans. You can freely choose the repayment tenor or opt for early settlement based on your financial situation, giving you full control.
#No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that.
^The time required from agreeing to review the credit report to completing the approval is limited to qualified customers. Please refer to the website for details.
*VCREDIT reserves the final rights and is subject to the terms and conditions on a case-by-case basis.
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"Although the income from freelancing isn't bad, I don't have a regular payslip. I was often rejected when borrowing from banks. My camera was broken recently. I urgently need to replace it for my job. Luckily, I tried CreFIT. They approved HK$50,000 for me in 60 seconds to buy equipment—it was incredibly convenient."
Aged 18 or above
Must be a Hong Kong Permanent Resident
Hold a valid Hong Kong mobile phone number
Average monthly salary of HK$5,000 or above
