CreFIT Cash Loan

Are you eligible?

• • 【CreFIT Offer】
    The promotional period from 9th June until 30th December 2025 (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 1st September until 30th September 2025, 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 Backbone One PlayStation® Version (USB-C mobile controller) (valued: HK$899) / 5,000 SmartPoints (can redeem HK$500 cash voucher or HK$333 cash)
    ・Loan amount of HK$50,000 - HK$99,999, can receive De'Longhi Dedica Style Series Pump-driven Espresso Coffee Machine(EC685) (valued: HK$2,168) / 10,000 SmartPoints (can redeem HK$1,000 cash voucher or HK$666 cash)
    ・Loan amount of HK$100,000+, can receive PHILIPS RO Water Dispenser ADD6910/90 (valued: HK$2,788) / 15,000 SmartPoints (can redeem HK$1,500 cash voucher or HK$1,000 cash)
    *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.
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  • 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

1. Cash Loan Approval Pledge ^
   ^until 30th December 2025, 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⁺.
   ⠀⠀
   ^ 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.

2. 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.