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Debt Changer
Clear debts and slash your interest rates
From 1 to 31 October 2024, apply for Debt Changer with the promo code [DCCASH] to receive a cash reward of up to HKD 20,8881 — our highest reward for Debt Changer ever!

Debt Consolidation Program Terms and ConditionsKey Facts Statement

Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!

Debt Changer
Clear debts and slash your interest rates
From 1 to 31 October 2024, apply for Debt Changer with the promo code [DCCASH] to receive a cash reward of up to HKD 20,8881 — our highest reward for Debt Changer ever!

Debt Consolidation Program Terms and ConditionsKey Facts Statement

Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!

Debt Consolidation Program
Pay off your debts in one go with ZA Bank!
Fees & chargesPromotional terms and conditions
Loans, Assemble!
From loans to card bills, this is your perfect fix to multiple loans – you can handle with ease from now on!
Repayment pressure? Reduce!
Are the interest rates for your loans and card bills too high? Clear and consolidate them at once to slash the interests!
Get your approval result in 90 seconds
New bank users can get an approval result in 90 seconds2!
72-month extra-long repayment period
Flexible repayment period of up to 72 months3! Pick the repayment schedule that suits you.
24 x 7 application
You can apply for the Debt Consolidation Program anytime, anywhere to ensure you receive your loan as quickly as possible.
Debt Consolidation Program
Pay off your debts in one go with ZA Bank!
Fees & chargesPromotional terms and conditions
Loans, Assemble!
From loans to card bills, this is your perfect fix to multiple loans – you can handle with ease from now on!
Repayment pressure? Reduce!
Are the interest rates for your loans and card bills too high? Clear and consolidate them at once to slash the interests!
Get your approval result in 90 seconds
New bank users can get an approval result in 90 seconds2!
72-month extra-long repayment period
Flexible repayment period of up to 72 months3! Pick the repayment schedule that suits you.
24 x 7 application
You can apply for the Debt Consolidation Program anytime, anywhere to ensure you receive your loan as quickly as possible.
Debt Consolidation Program
Pay off your debts in one go with ZA Bank!
Loans, Assemble!
From loans to card bills, this is your perfect fix to multiple loans – you can handle with ease from now on!
Repayment pressure? Reduce!
Are the interest rates for your loans and card bills too high? Clear and consolidate them at once to slash the interests!
Get your approval result in 90 seconds
New bank users can get an approval result in 90 seconds2!
72-month extra-long repayment period
Flexible repayment period of up to 72 months3! Pick the repayment schedule that suits you.
24 x 7 application
You can apply for the Debt Consolidation Program anytime, anywhere to ensure you receive your loan as quickly as possible.
Debt Consolidation Program
Pay off your debts in one go with ZA Bank!
Loans, Assemble!
From loans to card bills, this is your perfect fix to multiple loans – you can handle with ease from now on!
Repayment pressure? Reduce!
Are the interest rates for your loans and card bills too high? Clear and consolidate them at once to slash the interests!
Get your approval result in 90 seconds
New bank users can get an approval result in 90 seconds2!
72-month extra-long repayment period
Flexible repayment period of up to 72 months3! Pick the repayment schedule that suits you.
24 x 7 application
You can apply for the Debt Consolidation Program anytime, anywhere to ensure you receive your loan as quickly as possible.
Repayment Calculator
Debt Consolidation amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Debt Consolidation amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Debt Consolidation amount (HKD)
200,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Tenor (months)
60months
9121824364860
Tenor (months)
60months
9121824364860
貸款期限
9
12
18
24
36
48
60
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Repayment table
InstalmentMonthly Repayment Amount (HKD)Interest (HKD)Principal Amount (HKD)
--------
Repayment table
InstalmentMonthly Repayment Amount (HKD)Interest (HKD)Principal Amount (HKD)
--------
Notes:
- The repayment figure shown is for reference only.
- 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
Debt Consolidation amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Debt Consolidation amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Debt Consolidation amount (HKD)
200,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Tenor (months)
60months
9121824364860
Tenor (months)
60months
9121824364860
貸款期限
9
12
18
24
36
48
60
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Repayment table
InstalmentMonthly Repayment Amount (HKD)Interest (HKD)Principal Amount (HKD)
--------
Repayment table
InstalmentMonthly Repayment Amount (HKD)Interest (HKD)Principal Amount (HKD)
--------
Notes:
- The repayment figure shown is for reference only.
- 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
Debt Consolidation amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Debt Consolidation amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Debt Consolidation amount (HKD)
200,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Tenor (months)
60months
9121824364860
Tenor (months)
60months
9121824364860
Tenor (months)
9
12
18
24
36
48
60
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Notes:
- The repayment figure shown is for reference only.
- 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
InstalmentMonthly Repayment Amount (HKD)Interest (HKD)Principal Amount (HKD)
--------
Repayment table
InstalmentMonthly Repayment Amount (HKD)Interest (HKD)Principal Amount (HKD)
--------
Repayment Calculator
Debt Consolidation amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Debt Consolidation amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Debt Consolidation amount (HKD)
200,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,0001,100,0001,200,0001,300,0001,400,0001,500,000
Tenor (months)
60months
9121824364860
Tenor (months)
60months
9121824364860
Tenor (months)
9
12
18
24
36
48
60
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Notes:
- The repayment figure shown is for reference only.
- 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
InstalmentMonthly Repayment Amount (HKD)Interest (HKD)Principal Amount (HKD)
--------
Repayment table
InstalmentMonthly Repayment Amount (HKD)Interest (HKD)Principal Amount (HKD)
--------
Complete the loan application in 4 steps
1
Fill in your information
2
Receive the preliminary approval result
3
Upload your documents and set up plans with our Debt Consolidation Specialists
4
Confirm the application and fund disbursement
Complete the loan application in 4 steps
1
Fill in your information
2
Receive the preliminary approval result
3
Upload your documents and set up plans with our Debt Consolidation Specialists
4
Confirm the application and fund disbursement
Complete the loan application in 4 steps
1
Fill in your information
2
Receive the preliminary approval result
3
Upload your documents and set up plans with our Debt Consolidation Specialists
4
Confirm the application and fund disbursement
Complete the loan application in 4 steps
1
Fill in your information
2
Receive the preliminary approval result
3
Upload your documents and set up plans with our Debt Consolidation Specialists
4
Confirm the application and fund 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)
Notes

1. During the Debt Changer application from 1 to 31 October 2024, users can input the promotion code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Debt Changer with a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999, and HKD 800,000 – HKD 1,500,000 and a tenor of 24 months or above and with the coupon, the user can get an HKD 1,888, HKD 6,888, and HKD 20,888 cash reward respectively after the completion of the 7-day Cooling-off Period. The coupons are valid for 14 days after the user enters the code during the loan application. Terms & conditions apply.


2. 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.


3. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.




Notes

1. During the Debt Changer application from 1 to 31 October 2024, users can input the promotion code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Debt Changer with a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999, and HKD 800,000 – HKD 1,500,000 and a tenor of 24 months or above and with the coupon, the user can get an HKD 1,888, HKD 6,888, and HKD 20,888 cash reward respectively after the completion of the 7-day Cooling-off Period. The coupons are valid for 14 days after the user enters the code during the loan application. Terms & conditions apply.


2. 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.


3. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.




Notes

1. During the Debt Changer application from 1 to 31 October 2024, users can input the promotion code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Debt Changer with a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999, and HKD 800,000 – HKD 1,500,000 and a tenor of 24 months or above and with the coupon, the user can get an HKD 1,888, HKD 6,888, and HKD 20,888 cash reward respectively after the completion of the 7-day Cooling-off Period. The coupons are valid for 14 days after the user enters the code during the loan application. Terms & conditions apply.


2. 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.


3. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.




Notes

1. During the Debt Changer application from 1 to 31 October 2024, users can input the promotion code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Debt Changer with a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999, and HKD 800,000 – HKD 1,500,000 and a tenor of 24 months or above and with the coupon, the user can get an HKD 1,888, HKD 6,888, and HKD 20,888 cash reward respectively after the completion of the 7-day Cooling-off Period. The coupons are valid for 14 days after the user enters the code during the loan application. Terms & conditions apply.


2. 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.


3. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.