Loans for Bad Credit Score in Hong Kong

Bad credit loans are products designed especially for people with a poor credit report. These loans come with higher interest rates and greater restrictions to mitigate the risk of you not paying back your loans. Check out the available loans below.

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Loans without Credit Check/for people with bad credit in HK

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【Welcome offer Exclusive for MoneySmart Users】From now until 31 October 2022, download the Grantit App and use the promo code 【 Moneysmart100 】to get $100 cash reward upon approval and signing of the loan contract in the app. Get extra $500 supermarket vouchers when drawdown the loan amount HK$5,000 or above successfully within promotion period! Total rewards up to $600!

Valid until 31 Oct 2022
Grantit Non-TU and Express Personal Loan App does not impact TU during application and is therefore a popular choice among HK applicants with bad credit. Grantit loan takes only 28 minutes from approval to money transfer too.
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EasyLend grant loan also to low credit rate even of G, H or I , and can be applied online with speedy approval : only 30 minutes for approval.
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PrimeCredit Personal Instalment Loan does not require proof of income for a loan amount of HK$50,000 or less. It can be approved in 10 minute and cash will be disbursed in an hour with no handling or early settlement fee. Apply via MoneySmart to enjoy up to HK$12,000 Cash Bonus + exclusive HK$500 octopus top up value for successful applications.
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【MoneySmart x WeLend Flash Sales!!!】 Selected customers who have successfully applied for and drawn down can receive up to HK$3,000 Supermarket voucher. Welcome offer cash rebate up to HK$16,000, total reward is up to HK$19,000!

Valid until 31 Oct 2022
WeLend Personal Loan does not require proof of income and proof of address for a loan amount of HK$100,000 or less. Applicants can apply entirely online without showing up. Applicants can enjoy instant approval and immediate cash delivery. Apply via MoneySmart to get HK$300 supermarket cash coupon and up to HK$10,000 cash rebate for successful drawdown.

Why does Credit Score Matter?

Credit score should be on your radar when it comes to applying for personal loans. This information is useful for lenders to evaluate their risks when lending money to you. They will also use this information to determine the loan amount, tenor and interest rate.

How to Improve My Credit Score?

  1. Settle your bills on time
  2. Check your credit report on a regular basis and amend questionable data timely
  3. Avoid excessive credit card applications

Check out more about improving your credit score on this Complete Credit Score Guide.


What impacts my credit score?

It will be affected by your payment records, total credit/loan balance, the length of the credit history and your credit accounts.

What is a credit report?

A credit report is a financial dossier that details your credit activities. It will help banks or finance institutions to evaluate the credit risk of a customer.

Who can access my credit report?

When you apply for loans, credit providers may request to access your credit report.

What should I do if the information in my credit report is questionable?

You can request for data correction with TransUnion. It usually takes around 40 days to complete the investigation.

For how long is a credit score valid?

Generally, it is valid for 5 years. The credit score will be adjusted based on the growth of your credit history and changes in your payment record.