CreFIT: Loan, Credit, Cashback

From now until December 30, 2025, new customers who successfully draw down the specified loan amount of CreFIT Cash Loan with a loan term of 12 months or more may enjoy a cashback of up to HK$20,000!

Get rewarded while solving your financial needs — simple application, instant rewards!

*Offer subject to terms and conditions
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TIME-LIMITED OFFERS

Referral Scheme
• Refer friends and easily earn up to HK$2,188 cash reward. Earn up to HK$988 for each successful referral*

CreFIT Mobile Cash x MyLink Rewards
• Enjoy a 12% interest rebate and an activation reward equivalent to HK$100 MyLink points for every successful loan application through MyLink App and identity verification on CreFIT. Offer valid until December 31, 2025*

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FEATURES OF THE CreFIT APP

• Moni Bill - Smart Bill Management
Consolidate all your bills (credit card) in one app. Receive reminders for due dates, track expenses with automatic analysis, and get alerts for unusual charges—all free of charge. Stay in control of every payment and safeguard your financial health with easy and simple steps!


FEATURES OF CreFIT CASH LOAN

• Special loan program for civil servants, professionals, and selected customers
Eligible applicants may enjoy a low interest rate plan with APR as low as 1.38%, designed for maximum flexibility at minimal cost. Limited quota available.
• New customer cashback offer available
Cashback amount is based on the approved loan amount. More you borrow, more you earn!
• Incognito mode Quotation. No income proof required. Fully automated quotation with no impact on credit rating#.
• Approval Pledge. Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns.
• Fully Automated. Intelligent systems deliver quick approvals.
• Flexible Repayment. Choose repayment periods between 6 to 48 months.
• No Extra Fee. No hidden fees. Get fair and transparent pricing with fully automated calculations.

FEATURES OF CreFIT ClearCard Credit

• All done via mobile: Complete digital handling from application to cash transfer, available 24/7.
• Ultra-Fast approval: Resolve credit card debts in just 3 minutes.
• Credit Score Protection: No credit report checks. No impact on your credit rating.
• Availability: Accepted by 17 major card issuers like HSBC, BOCHK, Hang Seng, and more. For details, please refer to the website.

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LOAN REPAYMENT INFORMATION

• The minimum repayment period is 3 months, and the maximum is 48 months.
• The actual APR generally does not exceed 36%.
• A brief description of loan-related fees is as follows, for reference only:

Loan amount: HK$200,000
Interest rate: monthly flat rate 0.343%
Effective annual interest rate: 8%
Repayment period: 24 months

Total interest = Loan amount x Monthly flat rate x Repayment periods
HK$200,000 x 0.343% x 24 = HK$16,464

Total payment amount = Loan amount + Total interest
HK$200,000 + HK$16,464 = HK$216,464

Monthly repayment amount: (Loan amount + Total interest) / Repayment periods
HK($200,000 + $16,464) / 24 = HK$9,019.33

• The loan amount and interest rate are subject to individual circumstances and final approval results

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Warning: You have to repay your loans. Don't pay any intermediaries
Inquiries and complaints Hotline: 6369 2338
Money Lender's License Number: 0819/2025
VCREDIT Finance Limited

#No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that.
^ From your consent accessing the credit report to the approval result. Applicable to qualified customers only. For details, please refer to the website.

• *Offers subject to relevant terms and conditions
• *VCREDIT Finance Limited reserves its absolute right on any loan approval decision, offer, and any disputes

Address: Room 1101, 11/F, Tower 1, Admiralty Centre, No. 18 Harcourt Road, Hong Kong