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Personal Installment Loan

Enjoy financial flexibility with up to 60 months repayment period

APR as low as 1.65%

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

Annualized Percentage Rate¹ as low as 1.90%²

Monthly flat rate as low as 0.001%

Limited-Time Offer³

Application Reward: Enjoy designated Free Health Check-Up Service
Successful Drawdown Reward: Enjoy Up to 4 Tokyo Round-Trip Tickets Reward; or
Up to HK$8,000 Credit Card Spending Credit

High Loan Amount and Flexible Repayment

Loan amount as high as HK$2,000,000 or 18 times of your monthly salary（whichever is lower）
Flexible repayment period of 6 to 60 months

1 minute preliminary approval⁴

Speedy approval and provide a loan plan to you instantly

Same-day fund disbursement⁵

Same-day fund disbursement to your CNCBI account

Top-up Loan⁶

Option to apply for Top-up loan to redraw your repaid principal

Remarks:

The Annualized Percentage Rate (“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 and the respective APRs are rounded to the nearest two decimal places.
The APR 1.90% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.001%, including a Handling Fee of 1% per annum. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
Example:
For every HK$10,000, 12-month tenor and a monthly flat rate of 0.001%, the monthly interest will be HK$0.1 (Loan amount HK$ 10,000 X monthly flat rate0.001% = monthly interest HK$0.1)
From now until June 30 2024, customers who successfully submit loan applications to the Bank(“Application Reward”) shall be entitled to a free health check-up service; customers successfully drawdown with loan amount of HK$200,000 or above and repayment period of 36 months or above shall be entitled to ONE of the following two rewards (“Successful Drawdown Reward”), as detailed below:

^#If customers apply for Top Up Loan, the loan amount is calculated by approved top up loan amount.
For details of Application Offer and Successful Drawdown Reward, please refer to relevant promotional terms and conditions.
Preliminary approval service only applies to Monday to Friday from 9:00 am to 11:45 pm, Saturday from 9:00 am to 9:45 pm, Sunday and public holidays from 12:00 noon to 8:45 pm. For loan applications that meet relevant approval requirements, applicants will be informed on the preliminary approval result as soon as 1 minute. The processing of loan application starts when all the required information is successfully input into the Bank’s system, while the actual processing time required may vary for each individual case. Please note that the preliminary approval result is for reference only, and the Bank reserves the right to decide (in its sole and absolute discretion) whether to decline or approve any application for a Loan.
Same-day fund disbursement service only applies to our Bank’s service hours (Monday to Friday from 9:00 am to 8:00 pm and except Saturday, Sunday and public holidays). The processing time starts when the approved loan is confirmed with the Bank. For fund disbursement for non-CNCBI bank account, settlement will depend on the handling of receiving financial institution.
Top-up loan only applies to existing loan customers, please provide a copy of recent month income proof upon the application. The approval of the Loan is subject to the information provided by the Credit Reference Agencies. The Bank reserves the right of the final decision in respect of all applications and approvals of the Loan and is under no obligation to provide any reason.