CreFIT Cash Loan
【MoneySmart Exclusive － Get up to HK$22,799 Rewards now!】
From 1 June until 30 June 2026, eligible new customers apply via MoneySmart and drawdown designated loan amount, receive MoneySmart exclusive gift Insta 360 X4 Air (Standard Bundle) (value: $2,799). Total rewards up to HK$22,799, including CreFIT cash back🎁
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Incognito mode quotation with no impact on credit rating#, No income proof required, Cash Loan Approval Pledge^ Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns.
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Introducing the brand new feature - free personal credit report download! 📋
Valid till 30 Jun 2026
ARE YOU ELIGIBLE?
【CreFIT Offer】
The promotional period from 1st April until 2nd July 2026, (including the first and last day), new customers who have not held a CreFIT loan account in the past 24 months successfully register and drawdown CreFIT Cash Loan with certain amount, with repayment period 12 months or more in order to enjoy up to HK$20,000 cashback.Loan Amount for the first CreFIT Cash Loan drawdown Cashback HK$30,000-$49,999 HK$500 HK$50,000-$99,999 HK$1,000 HK$100,000-$149,999 HK$3,000 HK$150,000-$249,999 HK$8,000 HK$250,000-$349,999 HK$10,000 HK$350,000 or above HK$20,000 Please refer to the Terms and Conditions for details
【MoneySmart Exclusive Offer]
From 1 June until 30 June 2026, eligible new customer applying for CreFIT Cash Loan via MoneySmart with unique promo code, successfully approved and draw down certain loan amount, can receive:
・Loan amount of HK$10,000 - HK$49,999, can receive SONY WF-1000XM5 earbuds (value: HK$2,490) or HK$1,000 cash reward (automatically converted by 10,000 SmartPoints)
・Loan amount of HK$50,000 or above, can receive Insta 360 X4 Air (Standard Bundle) (value: HK$2,799) or HK$1,800 cash reward (automatically converted by 18,000 SmartPoints)
*To be eligible for the reward, customers must maintain his CreFIT account a normal, valid, and in good condition without any late payment before issuance of the reward.
⠀⠀Eligible new customers* must successfully applied for CreFIT Cash Loan/ CreFIT Cash Loan (For Civil Servants and Professionals) via MoneySmart within the Promotion Period; the loan application is only considered as successfully complete after customers consent to the TU check, and receive the actual approval result following the credit check
*This promotion is valid for new customers who have not held a CreFIT loan account in the past 24 months from the Promotional Period.No documents are required*. You just fill in your employment details and current debt level to apply for a loan.
*If we cannot confirm your information, additional supporting documents may be required.
WHAT YOU NEED TO KNOW
Cash Loan Approval Pledge ^
^until 2nd July 2026, Pledges approval result within 60 seconds^ from receive complete loan application information and customer’s consent for accessing the credit reference report. If the approval result is not available within the guaranteed time, successfully approved customers can enjoy an Interest Waiver Coupon up to value HK$1,000⁺.
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^ From your consent accessing the credit report to the approval result. Applicable to qualified customers only. For details, please refer to the website.
⁺VCREDIT reserves the final rights and is subject to the terms and conditions on a case-by-case basis.Incognito mode quotation with no impact on credit rating#, No income proof required
#No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that.Customers must submit the redemption form on or before 7 July, 2026 via MoneySmart Dashboard. If you selected cash as reward, please provide the phone number linked to your "FPS" account.
Loan Details
- APR as low as 1.38%
- Repayment tenor of 6 - 48 months；Loan amounts up to HK$500,000
- No documents are required*. You just fill in your employment details and current debt level to apply for a loan.
*If we cannot confirm your information, additional supporting documents may be required. - For example, if the loan amount is HK$200,000 with repayment period in 24 months, and the calculation is based on 365 or 366 days in a year, the APR and Monthly Flat Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% and 0.343% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,019.33 and HK$16,464.00 respectively.
- When we evaluate your CreFIT Cash Loan application, VCREDIT Finance Limited ("VCREDIT") will make reference to your credit report from a credit reference agency for this and future review purposes. Your personal credit information will also be shared with all Credit Reference Agencies and other related institutions
- After you fill in the cash out amount with tenors and upon the acceptance of loan agreement, we will immediately disburse to the designated bank account(s) via FPS. Please note that the final receiving time of the fund depends on the beneficiary bank designated by the borrower.
- CreFIT only accept repayment via eDDA. The repayment amount will be debited automatically from your specific account on repayment date (include weekends or public holidays).
- If the customer needs to repay early, please first call the customer service hotline 6369 2338 to inquire about the total amount of early repayment, including the outstanding loan balance, interest to be paid based on standard interest rates and other fees. Please note: Partial repayments are not accepted.
- VCREDIT Finance Limited
Warning: You have to repay your loans. Don't pay any intermediaries.
Inquiries and complaints hotline: 6369 2338
Money Lender's Licence Number: 577/2026
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