1.61%

APR*

^HK$305,760

Total Amount Payable

^HK$5,760

Total Interest Payable

All Details

• Key Features

  • Enjoy APR as low as 1.61%* and up to HK$3,900 cash rebate

  • Reborrow Anytime without [email protected]，with no extra fee for early repayments

  • As quickly as 2 minutes instant approval and disbursement online^

  • No proof required#

  • Apply with mobile phone via 24-hour service online

  • Choose to repay between 3 months and 72 months

  • Loan amount up to HK$1,000,000##

  • HK$0 handling fee and annual fee

  • Shop with ease and PayLater! Apply livi PayLater now to get automatic instalments. Flexible repayment period from 3 to 60 months! Handling fees are waived for 3-month instalment^ with livi PayLater during the promotional period.

  • * Our APR of as low as 1.61% (including HK$3,900 cash rebate) / 1.87% (excluding cash rebate) is based on a HK$1,000,000 livi Flexi Loan "Personal Loan" with a 36 months repayment period. Terms and Conditions apply.The offer is subject to limited quota. In case of any disputes, the Bank reserves the right of final decision. Terms and Conditions apply. The cash rebate and interest rate shown above are for reference only.
    
    ^^The offer is subject to limited quota. In case of any disputes, the Bank reserves the right of final decision. Terms and Conditions apply. The cash rebate and interest rate shown above are for reference only.
    
    ＠Any repaid principal amount can only be made available for re-borrowing after the relevant first instalment loan have been repaid for at least three months or the loan has been early settled
    
    ^The actual turnaround time may vary depending on the actual circumstances of individual applications. If the loan is used for balance transfer, we will pay the amount to related financial institutions via any means designated by us. After deducting handling fees and the amount payable, the remaining amount (if any) will be added to your liviSave.
    
    **This rebate is indicative and for reference only. The cash rebate varies for applications, and may not be applicable to your applied loan amount and tenor. Terms and Conditions apply.
    
    #Depending on the actual circumstances of individual applications, we may require you to provide additional documents for approval.
    
    Terms and Conditions apply.
    
    To borrow or not to borrow? Borrow only if you can repay!
    
    Please refer to Key Facts Statement, relevant Terms and Conditions and remarks for livi Flexi Loan "Personal Loan" and at livi website or app.

  • ‘In certain circumstances, other fees and charges might apply. Please refer to the Key Facts Statement, relevant terms and conditions and remarks posted on the livi website and livi app.
    
    livi PayLater is a credit product.
    
    To borrow or not to borrow? Borrow only if you can repay!
    
    ^^^The “$0 Handling fee"/ "interest free" offer only applies to spending instalments with 3-month tenor in promotion period and does not apply to spending instalments with 6-month tenor or above. The actual handling fee/interest is dependent on the customer’s loan amount, credit rating and other factors considered by livi.

• Repayment Summary

  Principal Loan Amount	HK$300,000
  Total Interest Payable	HK$5,760
  Monthly Payment	HK$12,740
  Total Amount Payable	HK$305,760
  Handling Fee	HK$0
  Annual Percentage Rate	1.61%
  Monthly Interest Rate	0.08%
  Loan Tenure	24 Months

Fees & Charges

Early Settlement Fee	$0, no extra fee or penalty for any early repayment

Eligibility

Age Requirement	18 years old or above
Residency Status	Hong Kong Resident
Employment Status	N/A for loan size below HKD250,000