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Best UA Finance Personal Loans Rates & APR As Low As 1.1% 2025 | MoneySmart

Compare UA Finance personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now! Read More
200,000 personal loan Paid over 24 months
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We found 5 UA Finance Personal Loans for you!
Recommended
UA i-Money Internet Personal Loan

Monthly Payment

HK$8,429

MoneySmart Exclusive
Online approval and cash transfer via FPS

UA i-Money Internet Personal Loan

APR as low as
1.1%
Total Amount Payable
HK$202,304
Total Interest Payable
HK$2,304
Monthly Payment
HK$8,429

From 1 July 2025 to 31 July 2025, successfully apply for UA i-Money Express Online Personal Loan via MoneySmart, you can enjoy:
1️⃣ HK$1,000 exclusive cash (automatically converted by 10,000 SmartPoints) and will directly deposit into your FPS account for successful applications - regardless of approval!
2️⃣ Drawdown to enjoy up to HK$18,000 cash rewards^!

Valid until 31 Jul 2025 - See more details below
Apply NowApply directly on MoneySmart
UA Civil Servants and Professionals Express Loan

Monthly Payment

HK$8,453

MoneySmart Exclusive
APR as low as 1.38%

UA Civil Servants and Professionals Express Loan

APR*
1.38%
Total Amount Payable
HK$202,880
Total Interest Payable
HK$2,880
Monthly Payment
HK$8,453

From 1 July 2025 to 31 July 2025, successfully apply for UA Civil Servants and Professionals Express Loan via MoneySmart, you can enjoy:
1️⃣ HK$1,000 exclusive cash (automatically converted by 10,000 SmartPoints) and will directly deposit into your FPS account for successful applications - regardless of approval!
2️⃣ Drawdown to enjoy up to HK$18,000 cash rewards^!

Valid until 31 Jul 2025 - See more details below
Apply Now
UA Seasonal Tax Loan

Monthly Payment

HK$8,453

Loan amount up to 300% of tax payable

UA Seasonal Tax Loan

APR*
1.38%
Total Amount Payable
HK$202,880
Total Interest Payable
HK$2,880
Monthly Payment
HK$8,453
Apply Now
UA "NO SHOW" Personal Loan - Car Loan

Monthly Payment

HK$8,873

UA "NO SHOW" Personal Loan - Car Loan

APR*
1.68%
Total Amount Payable
HK$212,960
Total Interest Payable
HK$12,960
Monthly Payment
HK$8,873
Read More
UA "NO SHOW" Personal Loan

Monthly Payment

HK$8,873

No document is required

UA "NO SHOW" Personal Loan

APR*
1.68%
Total Amount Payable
HK$212,960
Total Interest Payable
HK$12,960
Monthly Payment
HK$8,873
Read More

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

UA Finance Personal Loan Details

Uaf LoansFeaturesWelcome Offer
Money Internet Personal LoanInstant approval and cash transfer by FPS including weekendsN.A.
"NO SHOW" Personal LoanApply over the phone and get instant approval with no documents requiredN.A.
Debts Consolidation LoanFlexible repayment terms and personalised interest rate to clear your debtsN.A.
e-Cash Revolving LoanApply once and enjoy unlimited usage of the approved credit line N.A.

Why United Asia Finance loans?

No ID card required for loan applications

The loan application process can be daunting. Applicants are usually required to submit a list of documents. It usually takes a lot of time and energy to put together a loan application. However, UA Finance requires no documents for their "NO SHOW" Personal Loan. Applicants do not even need to present ID card.

Stay at home and get your loan

If you are like most of the Hong Kong people, you are often time-deprived. With UA Finance, you just have to apply for loans with a phone call. You don’t need to show up at all. Simply submit your personal information and confirm your loan via SMS, then UA Finance will deposit cash directly to your account. You can literally apply for loans at the comfort of your home/ workplace, etc.

Loans for students

If you are a student looking for loans for higher education, UA Loan for Higher Education Students can be a good choice. You can apply for it anytime through their website without the need to show up at the branches. You have up to 48 months to repay your debt and you can borrow up to HK50,000 at 18% interest rate per annum.

Loans for overseas workers

UA Finance offers a flexible personal loan called UA Finance Overseas Worker Loan designed especially for the Filipinos & Indonesians living in Hong Kong with an aim of UA establishing a loan with a repayment plan that suits an individual circumstance. It is characterized by customized loan amount, flexible interest rate and repayment terms.

Express online loan approval

Once your loan is approved, UA Finance will transfer the fund to your account anytime, including night-time and weekend. You don’t have to worry that non-working hours will hold up your fund if you need money urgently.

UA Bonus Points Program

If you have successfully applied for a loan from UA Finance, you will automatically be enrolled to the Bonus Points Program to gain points and redeem a wide range of rewards. Check the list out for a wide range of rewards:

  • 4000 points for KFC Gift Coupon HK$20
  • 4000 points for McDonald's® Gift Certificate HK$20
  • 9000 points for PARKnSHOP Gift Coupon HK$50
  • 9000 points for Wellcome Shopping Voucher HK$50
  • 16,000 for UA FINANCE HK$100 Repayment Coupon
  • 70,000 for SOGO Hong Kong Co. Ltd. Voucher HK$500

    • UA Members-Get-Members (“MGM”) Program

    Existing customers can participate in the Member-Gets-Member (MGM) Referral Program to earn up to HK$60,000 for every successful referral. The rewards are unlimited. You can refer as many as you want. What’s more, the referee can also enjoy HK$300 supermarket coupon for being successfully referred.

    UA Finance Instalment Loan VS Revolving Loan

    UA offers a wide variety of loan products including instalment loan and revolving loan including i-Money Internet Personal Loan, "NO SHOW" Personal Loan, Debts Consolidation Loan, e-Cash Revolving Loan to suit your different needs.

    UA Instalment Loan

    An instalment loan is a personal loan with a fixed repayment term. Borrowers are required to repay the debt on a monthly basis. Furthermore, interest is dependent on the loan amount and the repayment term.

    UA Revolving Loan

    A revolving loan is a personal loan product with a credit limit. You can withdraw money over the phone or via the internet within the offered credit limit for an unlimited number of times. Interest will only be applied to the credit amount you request on a daily basis.

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    How To Apply For UA Finance “NO SHOW” Personal Loan?

    UAF "NO SHOW" Personal Loan does not require any documents, all you need to do is below 3 easy steps:

    Step 1

    Pick up your phone and call the “NO SHOW” Personal Loan Hotline at 2681 8612 anytime from Monday to Friday between 9 am-630pm and Saturday to Sunday 9 am-530pm

    Step 2

    Simply provide basic personal information over the phone without the need to show up in person

    Step 3

    Confirm and accept the loan by SMS, the fund will be transferred to the account that you want by FPS.

    FAQ

    Am I qualified for UA Finance personal loans?

    As long as you’re 18+ and have the right of abode in Hong Kong, UA Finance welcomes your application for different loan products such as i-Money Internet Personal Loan and "NO SHOW" Personal Loan, either you’re self-employed or employed.

    What do I need to prepare for my UA Finance loan application?

    You’ll need these are the documents for your UA Finance loan:

    • Your HKID card;
    • Your latest salary proof (e.g. salary slip, tax slip, bank statement or passbook showing your salary or MPF contribution proof);
    • Your employment certificate;
    • Residential address proof (e.g. water/electricity bill or bank statement)
    You may not need any documents for "NO SHOW" Personal Loan.

    Can I get loans from UA Finance if I don’t have income proofs?

    UA Finance will waive your income proof depending on your situation. “NO SHOW” Personal Loan offers funds without any supporting documents, but its repayment period is shorter.

    Is it safe to get a loan from United Asia Finance?

    Yes. United Asia Finance is a licensed moneylender and their business is governed by the Money Lenders Ordinance, which is meant to protect consumers.

    What can I do if I have further enquiries on UA Finance loans?

    For further enquiries, you can contact UAF Customer Service Hotline at 2681 8888 or visit any UA branches nearby in person.

    What payment methods are available for repaying UAF loans?

    You can repay your debt through bank autopay, PPS or at any UA branches in person by cash, cheque or EPS.