Earn up to HKD 3,000 together! Are you tired of the preparations of getting a car loan? Get rid of them at ZA Bank! Buying a new car? It's that simple.
From now until 31 August 2025, earn up to HKD 2,500 by referring a friend to apply and draw down a Car Loan! Your friend can also get an HKD 500 Loan Cash Coupon1!
Refer friends and earn up to HKD 3,000 together
Share your invitation code with your friends!
- When your friends use your Car Loan MGM invitation code to successfully drawdown a Car Loan with the designated amount and tenor of 18 months above after completing the 7-day Cooling-off Period, you'll get cash rewards!
How to refer your friends?
1. In the App, tap on "Explore" > Invite friends in HK > tap on "Loans" to view your invitation code
2. Share the invitation code with your friends
3. Your friends input the invitation code during their loan applications
1. In the App, tap on "Explore" > Invite friends in HK > tap on "Loans" to view your invitation code
2. Share the invitation code with your friends
3. Your friends input the invitation code during their loan applications
Your friends will get an HKD 500 Loan Cash Coupon
- Upon successful application and drawdown of a Car Loan with a loan amount of HKD 50,000 or above and tenor of 18 months or above with the coupon, after completing the 7-day Cooling-off Period, your friends will earn HKD 500 Cash Reward1.
Up to HKD 800 Loan Cash Coupon reward
- Except participating in the Car Loan MGM programme, from today until 31 August 2025, apply for our Car Loan with the promo code [CARLOAN] to get an HKD 800 Loan Cash Coupon2!
Refer friends and earn up to HKD 3,000 together
Share your invitation code with your friends!
- When your friends use your Car Loan MGM invitation code to successfully drawdown a Car Loan with the designated amount and tenor of 18 months above after completing the 7-day Cooling-off Period, you'll get cash rewards!
How to refer your friends?
1. In the App, tap on "Explore" > Invite friends in HK > tap on "Loans" to view your invitation code
2. Share the invitation code with your friends
3. Your friends input the invitation code during their loan applications
1. In the App, tap on "Explore" > Invite friends in HK > tap on "Loans" to view your invitation code
2. Share the invitation code with your friends
3. Your friends input the invitation code during their loan applications
Your friends will get an HKD 500 Loan Cash Coupon
- Upon successful application and drawdown of a Car Loan with a loan amount of HKD 50,000 or above and tenor of 18 months or above with the coupon, after completing the 7-day Cooling-off Period, your friends will earn HKD 500 Cash Reward1.
Up to HKD 800 Loan Cash Coupon reward
- Except participating in the Car Loan MGM programme, from today until 31 August 2025, apply for our Car Loan with the promo code [CARLOAN] to get an HKD 800 Loan Cash Coupon2!
Refer friends and earn up to HKD 3,000 together
Share your invitation code with your friends!
- When your friends use your Car Loan MGM invitation code to successfully drawdown a Car Loan with the designated amount and tenor of 18 months above after completing the 7-day Cooling-off Period, you'll get cash rewards!
How to refer your friends?
1. In the App, tap on "Explore" > Invite friends in HK > tap on "Loans" to view your invitation code
2. Share the invitation code with your friends
3. Your friends input the invitation code during their loan applications
1. In the App, tap on "Explore" > Invite friends in HK > tap on "Loans" to view your invitation code
2. Share the invitation code with your friends
3. Your friends input the invitation code during their loan applications
Your friends will get an HKD 500 Loan Cash Coupon
- Upon successful application and drawdown of a Car Loan with a loan amount of HKD 50,000 or above and tenor of 18 months or above with the coupon, after completing the 7-day Cooling-off Period, your friends will earn HKD 500 Cash Reward1.
Up to HKD 800 Loan Cash Coupon reward
- Except participating in the Car Loan MGM programme, from today until 31 August 2025, apply for our Car Loan with the promo code [CARLOAN] to get an HKD 800 Loan Cash Coupon2!
Refer friends and earn up to HKD 3,000 together
Share your invitation code with your friends!
- When your friends use your Car Loan MGM invitation code to successfully drawdown a Car Loan with the designated amount and tenor of 18 months above after completing the 7-day Cooling-off Period, you'll get cash rewards!
How to refer your friends?
1. In the App, tap on "Explore" > Invite friends in HK > tap on "Loans" to view your invitation code
2. Share the invitation code with your friends
3. Your friends input the invitation code during their loan applications
1. In the App, tap on "Explore" > Invite friends in HK > tap on "Loans" to view your invitation code
2. Share the invitation code with your friends
3. Your friends input the invitation code during their loan applications
Your friends will get an HKD 500 Loan Cash Coupon
- Upon successful application and drawdown of a Car Loan with a loan amount of HKD 50,000 or above and tenor of 18 months or above with the coupon, after completing the 7-day Cooling-off Period, your friends will earn HKD 500 Cash Reward1.
Up to HKD 800 Loan Cash Coupon reward
- Except participating in the Car Loan MGM programme, from today until 31 August 2025, apply for our Car Loan with the promo code [CARLOAN] to get an HKD 800 Loan Cash Coupon2!
Car Loan
Frictionless & Simplified
Fees & Charges
Simplify your application
We don’t take collateral, registration documents3 or a down payment to minimise the friction of getting a Car Loan.
Enjoy up to 60 instalments
Get a repayment period of up to 60 months4 to lessen your financial burden!
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0004 to fund your new car anytime.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds5.
Get approved 24 x 7
We review and approve your application 24 x 7 to get your loan as fast as possible.
Car Loan
Frictionless & Simplified
Fees & Charges
Simplify your application
We don’t take collateral, registration documents3 or a down payment to minimise the friction of getting a Car Loan.
Enjoy up to 60 instalments
Get a repayment period of up to 60 months4 to lessen your financial burden!
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0004 to fund your new car anytime.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds5.
Get approved 24 x 7
We review and approve your application 24 x 7 to get your loan as fast as possible.
Car Loan
Frictionless & Simplified
Simplify your application
We don’t take collateral, registration documents3 or a down payment to minimise the friction of getting a Car Loan.
Enjoy up to 60 instalments
Get a repayment period of up to 60 months4 to lessen your financial burden!
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0004 to fund your new car anytime.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds5.
Get approved 24 x 7
We review and approve your application 24 x 7 to get your loan as fast as possible.
Car Loan
Frictionless & Simplified
Simplify your application
We don’t take collateral, registration documents3 or a down payment to minimise the friction of getting a Car Loan.
Enjoy up to 60 instalments
Get a repayment period of up to 60 months4 to lessen your financial burden!
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0004 to fund your new car anytime.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds5.
Get approved 24 x 7
We review and approve your application 24 x 7 to get your loan as fast as possible.
Repayment Calculator
Loan amount (HKD)
Loan amount (HKD)
Loan amount (HKD)
1,000,000
Monthly Repayment Amount (HKD)
--
Monthly Flat Rate
：--%
APR (%)
：--%
Monthly Repayment Amount (HKD)
--
Monthly Flat Rate
--%
APR (%)
--%
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Note:
- The repayment figure shown is for reference only and no handling fee is charged.
-The result from repayment calculator is for reference only. The actual result that will apply will be based on customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
Repayment Calculator
Loan amount (HKD)
Loan amount (HKD)
Loan amount (HKD)
1,000,000
Monthly Repayment Amount (HKD)
--
Monthly Flat Rate
：--%
APR (%)
：--%
Monthly Repayment Amount (HKD)
--
Monthly Flat Rate
--%
APR (%)
--%
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Note:
- The repayment figure shown is for reference only and no handling fee is charged.
-The result from repayment calculator is for reference only. The actual result that will apply will be based on customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
Repayment Calculator
Loan amount (HKD)
Loan amount (HKD)
Loan amount (HKD)
1,000,000
Monthly Repayment Amount (HKD)
--
Monthly Flat Rate
：--%
APR (%)
：--%
Monthly Repayment Amount (HKD)
--
Monthly Flat Rate
--%
APR (%)
--%
Note:
- The repayment figure shown is for reference only and no handling fee is charged.
-The result from repayment calculator is for reference only. The actual result that will apply will be based on customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment Calculator
Loan amount (HKD)
Loan amount (HKD)
Loan amount (HKD)
1,000,000
Monthly Repayment Amount (HKD)
--
Monthly Flat Rate
：--%
APR (%)
：--%
Monthly Repayment Amount (HKD)
--
Monthly Flat Rate
--%
APR (%)
--%
Note:
- The repayment figure shown is for reference only and no handling fee is charged.
-The result from repayment calculator is for reference only. The actual result that will apply will be based on customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Complete the loan application in 4 steps
1
Fill in information
2
Receive preliminary approval result
3
Provide more information and upload documents
4
Loan confirmation and disbursement
Complete the loan application in 4 steps
1
Fill in information
2
Receive preliminary approval result
3
Provide more information and upload documents
4
Loan confirmation and disbursement
Complete the loan application in 4 steps
1
Fill in information
2
Receive preliminary approval result
3
Provide more information and upload documents
4
Loan confirmation and disbursement
Complete the loan application in 4 steps
1
Fill in information
2
Receive preliminary approval result
3
Provide more information and upload documents
4
Loan confirmation and disbursement
Eligibility and required documents
Eligibility
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)
Eligibility and required documents
Eligibility
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)
Eligibility and required documents
Eligibility
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)
Eligibility and required documents
Eligibility
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)
1. On or before 31 August 2025, by inputting the Car Loan MGM invitation code during the application of a Car Loan, the referee will receive an HKD 500 Loan Cash Coupon. Upon successful application and drawdown of the abovementioned loan with a loan amount of HKD 50,000 or above and tenor of 18 months or above with the coupon, as well as completion of the 7-day Cooling-off Period, the referee will earn HKD 500 cash reward. Referrer will also receive the Referrer Rewards corresponding to the designated loan amount to be drawn down. Programme and other relevant terms and conditions apply.
2. During the Car Loan application from 1 to 31 August 2025, you can input the promotion code to get 3 Loan Cash Coupons. Upon successful drawdown of the Car Loan with the designated loan amount and tenor, you can get the following cash reward after the completion of the 7-day Cooling-off Period:
1. HKD 100,000 – HKD 199,999 and 24 months or above: HKD 300;
2. HKD 200,000 – HKD 299,999 and 24 months or above: HKD 500;
3. HKD 300,000 or above and 36 months or above: HKD 800.
The coupon is valid for 14 days after you enter the code during the loan application. Terms and conditions apply.
3. The “doc” is referring to the Vehicle Registration Document.
4. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
5. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.
1. On or before 31 August 2025, by inputting the Car Loan MGM invitation code during the application of a Car Loan, the referee will receive an HKD 500 Loan Cash Coupon. Upon successful application and drawdown of the abovementioned loan with a loan amount of HKD 50,000 or above and tenor of 18 months or above with the coupon, as well as completion of the 7-day Cooling-off Period, the referee will earn HKD 500 cash reward. Referrer will also receive the Referrer Rewards corresponding to the designated loan amount to be drawn down. Programme and other relevant terms and conditions apply.
2. During the Car Loan application from 1 to 31 August 2025, you can input the promotion code to get 3 Loan Cash Coupons. Upon successful drawdown of the Car Loan with the designated loan amount and tenor, you can get the following cash reward after the completion of the 7-day Cooling-off Period:
1. HKD 100,000 – HKD 199,999 and 24 months or above: HKD 300;
2. HKD 200,000 – HKD 299,999 and 24 months or above: HKD 500;
3. HKD 300,000 or above and 36 months or above: HKD 800.
The coupon is valid for 14 days after you enter the code during the loan application. Terms and conditions apply.
3. The “doc” is referring to the Vehicle Registration Document.
4. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
5. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.
1. On or before 31 August 2025, by inputting the Car Loan MGM invitation code during the application of a Car Loan, the referee will receive an HKD 500 Loan Cash Coupon. Upon successful application and drawdown of the abovementioned loan with a loan amount of HKD 50,000 or above and tenor of 18 months or above with the coupon, as well as completion of the 7-day Cooling-off Period, the referee will earn HKD 500 cash reward. Referrer will also receive the Referrer Rewards corresponding to the designated loan amount to be drawn down. Programme and other relevant terms and conditions apply.
2. During the Car Loan application from 1 to 31 August 2025, you can input the promotion code to get 3 Loan Cash Coupons. Upon successful drawdown of the Car Loan with the designated loan amount and tenor, you can get the following cash reward after the completion of the 7-day Cooling-off Period:
1. HKD 100,000 – HKD 199,999 and 24 months or above: HKD 300;
2. HKD 200,000 – HKD 299,999 and 24 months or above: HKD 500;
3. HKD 300,000 or above and 36 months or above: HKD 800.
The coupon is valid for 14 days after you enter the code during the loan application. Terms and conditions apply.
3. The “doc” is referring to the Vehicle Registration Document.
4. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
5. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.
1. On or before 31 August 2025, by inputting the Car Loan MGM invitation code during the application of a Car Loan, the referee will receive an HKD 500 Loan Cash Coupon. Upon successful application and drawdown of the abovementioned loan with a loan amount of HKD 50,000 or above and tenor of 18 months or above with the coupon, as well as completion of the 7-day Cooling-off Period, the referee will earn HKD 500 cash reward. Referrer will also receive the Referrer Rewards corresponding to the designated loan amount to be drawn down. Programme and other relevant terms and conditions apply.
2. During the Car Loan application from 1 to 31 August 2025, you can input the promotion code to get 3 Loan Cash Coupons. Upon successful drawdown of the Car Loan with the designated loan amount and tenor, you can get the following cash reward after the completion of the 7-day Cooling-off Period:
1. HKD 100,000 – HKD 199,999 and 24 months or above: HKD 300;
2. HKD 200,000 – HKD 299,999 and 24 months or above: HKD 500;
3. HKD 300,000 or above and 36 months or above: HKD 800.
The coupon is valid for 14 days after you enter the code during the loan application. Terms and conditions apply.
3. The “doc” is referring to the Vehicle Registration Document.
4. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
5. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.