Best UA Finance Personal Loans Rates & APR As Low As 1.1% 2026 | MoneySmart
Compare UA Finance personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now!
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We found 5 UA Finance Personal Loans for you!
【Limited-Time Flash Offer 🏆】HK$1,300 Cash Reward Regardless of Approval ⚽ Grab the Gold Ball Every Day at 12PM# ✨
From now until 13 July 2026, both new and existing customers who successfully apply for and draw down a UA i-Money Online Personal Loan via MoneySmart can enjoy:
1️⃣ MoneySmart Exclusive reward regardless of approval:
・HK$1,300 cash (automatically converted by 13,000 SmartPoints) and will directly deposit into your FPS; or
・HK$1,500 Apple Gift Card / Parknshop e-Voucher; or
・Gemini Smart Sterilizing Wet & Dry Vacuum (GVCM20BK) (Value: HK$4,998, random color); or
・Philips RO Water Dispenser ADD6910DG - Grey (Value: HK$3,388); or
・LOJEL Alto 29-inch Ultra-Lightweight Suitcase (Black) (Value: HK$2,100)
2️⃣ Loan Drawdown Reward - enjoy up to HK$18,000 in cash rewards ^
3️⃣ Grab the Gold Ball Every Day at 12PM#
Valid till 13 Jul 2026
From now until 31 July 2026, new and existing customers who successfully apply for and draw down UA Civil Servants and Professionals Express Loan via MoneySmart 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! or
2️⃣ Successful application and drawdown to enjoy up to HK$18,000 cash rewards^!
Valid till 31 Jul 2026
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United Asia Finance Loans Comparison
Comparison of UA Asia United Finance Loans:
| Loans | Features | APR (From) |
|---|---|---|
| UA i-Money Internet Personal Loan | Maximum loan amount up to HK$200,000; repayment period up to 24 months | 1.1% |
| UA No Show Personal Loan | No document submission required; instant approval and disbursement via Faster Payment System (FPS) | 1.68% |
| UA Civil Servants and Professionals Express Loan | For civil servants and licensed professionals (e.g. doctors, nurses, dentists, pharmacists, lawyers, accountants, engineers, actuaries, teachers, social workers), as well as employees of public or semi-government bodies, Airport Authority and Hospital Authority staff | 1.38% |
| UA Seasonal Tax Loan | Loan amount up to 300% of tax payable | 1.38% |
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
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:
UA Members-Get-Members (“MGM”) Program
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.
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:
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
Simply provide basic personal information over the phone without the need to show up in person
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)
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.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies, and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.