CreFIT Property Owner Loan

ARE YOU ELIGIBLE?

• 【CreFIT Offer】
  The promotional period from now until 30 September 2026, 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$60,000 cashback.
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  HK$50,000-$100,000 | HK$1,000
  HK$100,001-$250,000 | HK$2,000
  HK$250,001-$500,000 | HK$4,000
  HK$500,001-$800,000 | HK$16,000
  HK$800,001-$1,200,000 | HK$32,000
  HK$1,200,001-$1,500,000 | HK$60,000
  ⠀⠀
  Please refer to the Terms and Conditions for details

• 【MoneySmart Exclusive Offer]
  From now until 31 July 2026, eligible new customer applying for CreFIT Property Owner 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) / CreFIT Property Owner Loan 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 30 September, 2026, Pledges approval result within 30 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.

3. Customers must submit the redemption form on or before 7 August, 2026 via MoneySmart Dashboard. If you selected cash as reward, please provide the phone number linked to your "FPS" account.