Additional text has been added to aid users who may be using screen readers to view this site. If you are reading this text on your screen then either, the style sheet (CSS) file has failed to load, in which case you should refresh your screen or, your browser may not support style sheets. Find out more about which browsers support style sheets on the World Wide Web Consortium website.

What follows is a few links to some of the important pages. If you wish to skip this you can

Header navigation:

Language options:

Main level navigation:

Second level navigation — Personal:

Second level navigation — SMEs:

Second level navigation — Corporates:

Second level navigation — International:

Second level navigation — China:

Second level navigation — About Us:

Second level navigation — Centenary Celebration:

Debt Consolidation

Beat Credit Card Debt

It has never been easier to pay off all your outstanding debts in one simple loan

Successfully apply for $mart Plus Personal Installment Loan – Debt Consolidation, you can enjoy our fabulous offers:

High Loan Amount

Loan amount as high as HK$2,000,000 or 21 times of your monthly salary(whichever is lower)
Cash out up to 8 times of monthly salary for your financial flexibility

Flexible Repayment

Flexible repayment period of 12 to 72 months
Personalized interest rate

Why Choose This Loan

You can manage your various loans in one step and rebuild your personal credit record.
Our Debt Consolidation Specialist analyzes your financial situation and tailor-made with a flexible loan transfer plan to you
What's more, your cash flow becomes smoother and easier to handle

Interest Saving Example

Please call 2287 6767 for assistance

Up to HK$18,800 rewards⁶

Application submission via e-Channels with conditions matched

Remarks:

China CITIC Bank International Limited (“The Bank”) reserves the right to determine the final approved amount, loan tenor and applicable interest rate in accordance with individual customer’s record.
This example is calculated based on loan amount of HK$19,000, an annual interest rate of 30% (Annualized Percentage Rate (APR) 34.49%) charged by general credit card and a monthly repayment of all fees and charges billed to the credit card followed by 1% of the credit card outstanding balance or HK$250 (whichever is higher) over a 150-month repayment period. The average monthly repayment amount quoted above is calculated based on the first 3 installments and is rounded to the nearest dollar.
This example is calculated based on loan amount of HK$20,000, monthly flat rate 0.237% (APR 7.76%) and loan tenor of 60 months. The average monthly repayment amount and the total interest expense over the whole repayment period quoted above are rounded to the nearest dollar. The above example is for reference only. The Bank reserves the right to amend, suspend or cancel any of the above promotional terms and conditions at any time. In case of any disputes, the decision of the Bank shall be final.
The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate.
The Bank reserves the right of final decision in respect of all applications and approvals of Debt Consolidation and is under no obligation to provide reason. For the product details, please refer to the related product terms and conditions
From now until 31 December 2023, Customers who apply for and successfully draw down designated loan amount with repayment tenor shall be entitled to relevant rewards, including up to HK$14,800 Cash Rebate for applications submitted via e-Channels; Up to Extra HK$3,000 Cash Rebate for PAYROLLplus account holders; and Up to Extra HK$1,000 Credit Card Spending Credit for eligible CNCBI credit card customers. The maximum reward amount is HK$18,800. For details, please refer to “$mart Plus Personal Installment Loan - Promotional Terms and Conditions for up to HK$18,800 Rewards”.