Personal Line of Credit - Payroll Cash

Reasons to choose this product:

• Tailored for customers using CNCBI account for Payroll¹
• Easy to apply, no document is required²
• Instant approval result
• Standby cash on hand

Product Features:

• Credit limit up to 4 times your monthly salary or HK$400,000 (whichever is lower)
• Preferential Interest Rate of P+0.5%³
• Daily interest calculation, unlimited withdrawals and setting your own repayment schedule
• Withdraw cash into designated account
• First Annual Fee waiver⁴
• Offered repayment flexibility by repaying monthly minimum repayment

First 3-Month Interest-Free Welcome Offer:

• Customers apply for Payroll Cash and approved on or before 31 December 2025 to enjoy this offer

Remarks:

1. It is only applicable to existing customers using CNCBI Hong Kong Dollar current or savings account for payroll account. If customers have not yet established CNCBI payroll service, please notify employer to update payroll account to CNCBI Hong Kong Dollar current or savings account for payroll account in order to enjoy the Personal Line of Credit – Payroll Cash.
2. Customers do not require to submit the documents upon application. CNCBI will notify customers if documents are required.
3. Prime Rate (“P”) refers to the Hong Kong Dollar Prime Lending Rate as quoted by CNCBI from time to time.
4. The first-year Annual Fee is waived. After the first-year, Annual Fee will be charged on 1% of approved Credit Limit (minimum of HK$200 and maximum of HK$1,000).
5. This offer is only applicable to existing customers using CNCBI account for Payroll who do not currently hold Personal Line of Credit - Payroll Cash (the “Facility”) and have not cancelled any Facility Account(s) in the past 12 months from the date of application of current application for the Facility (the “Eligible Customers”). Eligible Customers who apply for and are approved for the Facility from now until 31 December 2025, will enjoy first 3-month interest-free period starting from the effective date of the Facility. For details, please refer to the “Promotional Terms and Conditions for Personal Line of Credit - Payroll Cash”.

Promotional Terms and Conditions for Personal Line of Credit - Payroll Cash
FAQs for Personal Line of Credit - Payroll Cash
Terms and Conditions for Personal Line of Credit and General Terms and Conditions