As a new loan-granting platform, CreFIT can help you settle your credit card loan easily. It’s simple and students can apply! Entire process can be completed as fast as 3 minutes from application to clearing credit card debts.
You can also freely choose the repayment period that suits you, making the repayment process more flexible. CreFIT also provides bill management services that can manage your credit card and financial information more effectively.
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-TIME-LIMITED OFFER-
Referral Scheme
• Earn a HK$500 cash reward upon application and up to HK$900 per referral, with no upper limit. Offer valid until 10 Oct, 2024*.
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-FEATURES OF CreFIT ClearCard Credit SERVICE -
．All done via mobile
The entire process from start to finish is handled digitally and can be fully complete without showing up to allowing you obtain cash anytime and anywhere!
．Fast approval
Apply in 4 simple steps to clear your credit card debt as fast as 3 minutes, money transfer is just that fast! A loan is just a few steps away.
．Credit Score Protection
No credit report checks and will not impact your credit rating. Safeguarding Credit Fitness!
．Availability: Covers 17 card-issuing banks/institutions in Hong Kong and will continue to update. For details, please refer to the website.
-FEATURES OF THE CreFIT APP-
• Free Bill Management Service
Comprehensive mobile bill management service, equipped with card expiration reminders, automatic consumption analysis and abnormal fee notification functions, allowing you to enjoy professional-level financial management with no cost. You can easily handle credit card financial affairs in just a few steps, you can always have control over your personal financial status and protect your financial health!
• APR is calculated based on the net present value method established according to the Code of Banking Practice. It shows the basic interest rate, other fees, and charges (if applicable) of products at an annualized rate.
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-LOAN REPAYMENT INFORMATION-
• The minimum repayment period is 3 months, and the maximum is 24 months
• The actual APR generally does not exceed 36%
• A brief description of loan-related fees is as follows, for reference only:
Loan amount: HK$200,000
Interest rate: monthly flat rate 0.343%
Effective annual interest rate: 8%
Repayment period: 24 months
Total interest = Loan amount X Monthly flat rate X Repayment periods
HK$200,000 X 0.343% X 24 = HK$16,464
Total payment amount = Loan amount + Total interest
HK$200,000 + HK$16,464 = HK$216,464
Monthly repayment amount: (Loan amount + Total interest) / Repayment periods
HK($200,000+$16,464) / 24 = HK$9,019.33
*The loan amount and interest rate are subject to individual circumstances and final approval results.
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Warning: You have to repay your loans. Dont pay any intermediaries.
Inquiries and complaints hotline: 6369 2338
Money Lenders License Number: 0751/2024
VCREDIT Finance Limited
* Offers subject to relevant terms and conditions
* VCREDIT Finance Limited reserves its absolute right on any loan approval decision, offer and any disputes.
Address: Room 1904, 19th Floor, Bank of America Tower, 12 Harcourt Road, Central, Hong Kong