ZA Savings Go, Easy Deposit, 5 seconds recall, facial authentication,Create together, be different together

open account in as fast as 5 minutes, cashback, interest, rate up coupon, green cards, FPS

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

Consolidate your loans and card bills in one go with 1-month payment holiday1- a great saver of efforts and time!

 

From now till 31 March 2024, apply for Debt Changer with the promotion code [DCREBATES] to get 3 Loan Cash Coupons -

up to HKD 8,000 cash rewards2await!

Debt Changer

Debt Consolidation Program

Take a break from debt and repayment!

 

From loans to card bills, this is your perfect fix to multiple loans – you can handle with ease from now on!

Loans, Assemble!

Debt Consolidation Plan

Product Features

  • Debt Consolidation Program (“Debt Changer”) can consolidate the outstanding balances of your loans and credit cards due to other banks or financial institutions into one single loan, so that you can pay with ease .
  • We will arrange direct payments to settle your loan and credit card bills of some other banks or financial institutions. Customers can choose if they need any cash-out.
  • No.A bank saving account will be created upon your Debt Consolidation Program drawdown for a new bank customer, which will be used for fund disbursement (if applicable) and monthly repayment.

[ 1 ] On or before 29 February 2024, for 12-month tenor or above of Debt Consolidation Program drawn down, user will earn a Payment Holiday Coupon. Upon application of a coupon, user can enjoy payment holiday for 1 instalment. During the payment holiday, user does not need to repay the principal and interest and the remaining outstanding loan amount will be deferred for 1 instalment. If user’s ZA Bank account is not in valid and normal status, user has a history of overdue repayment for 60 days or more for any existing / historical loan held in ZA Bank or user has any overdue loans with ZA Bank or other financial institutions within 3 months, user cannot apply the coupon.Terms and conditions  apply. 

 

[2] Input the invitation code to get 3 Loan Cash Coupons which are applicable to different loan amount during the Debt Consolidation Program application on or before 31 March 2024. With the coupon, you can get HKD 800, HKD 3,000 and HKD 8,000 cash rewards respectively upon successful drawdown of Debt Consolidation Program with loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above as well as completion of 7-day cooling-off period. The coupon is valid for 14 days after you have entered the code during the loan application.Terms and conditions  apply. 

 

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

 

[4] The approval results are preliminary. Users are required to submit proof documents before receiving the final approval. The actual completion time varies across individuals. In general, provided that all required information is in order, an applicant can get the preliminary approval result within 90 seconds.

FAQ

Easy application in 4 steps

 

  • 1

    Fill in information

  • 2

    Receive preliminary approval result

  • 3

    Upload documents and set up plans with our Debt Consolidation Specialists

  • 4

    Confirm the application and fund disbursement

By inputting the invitation code [DCREBATES] and successfully drawing down designated Debt Consolidation Program with promotion code, you can grab up to HKD 8,000 cash rewards2!

Rewards? Available!

Flexible repayment period up to 72 months! Pick the repayment schedule that suits you.

72-month extra-long repayment period

Take a little escape from repayment with 1-month payment holiday– you can even decide when to have it!

Enjoy the payment holiday!

Debt Changer

Debt Consolidation Program

Take a break from debt and repayment!

Terms and Conditions apply.

To borrow or not to borrow?Borrow only if you can repay.

Consolidate your loans and card bills in one go with 1-month payment holiday1- a great saver of efforts and time!

 

From now till 31 March 2024, apply for Debt Changer with the promotion code [DCREBATES] to get 3 Loan Cash Coupons - up to HKD 8,000 cash rewards2await!

By inputting invitation code [DCREBATES] and successfully drawing down designated Debt Consolidation Program with promotion code, you can grab up to HKD 8,000 cash rewards!*

Rewards? Available!

Debt Consolidation Program

Product Features

[ 1 ] On or before 29 Febrary 2024, for 12-month tenor or above of Debt Consolidation Program drawn down, user will earn a Payment Holiday Coupon. Upon application of a coupon, user can enjoy payment holiday for 1 instalment. During the payment holiday, user does not need to repay the principal and interest and the remaining outstanding loan amount will be deferred for 1 instalment. If user’s ZA Bank account is not in valid and normal status, user has a history of overdue repayment for 60 days or more for any existing / historical loan held in ZA Bank or user has any overdue loans with ZA Bank or other financial institutions within 3 months, user cannot apply the coupon.Terms and conditionsapply. 

 

[ 2 ] Input the invitation code to get 3 Loan Cash Coupons which are applicable to different loan amount during the Debt Consolidation Program application on or before 31 March 2024. With the coupon, you can get HKD 800, HKD 3,000 and HKD 8,000 cash rewards respectively upon successful drawdown of Debt Consolidation Program with loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above as well as completion of 7-day cooling-off period. The coupon is valid for 14 days after you have entered the code during the loan application.Terms and conditions  apply. 

 

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

 

[ 4 ] The approval results are preliminary. Users are required to submit proof documents before receiving the final approval. The actual completion time varies across individuals. In general, provided that all required information is in order, an applicant can get the preliminary approval result within 90 seconds.

FAQ

  • Debt Consolidation Program (“Debt Changer”) can consolidate the outstanding balances of your loans and credit cards due to other banks or financial institutions into one single loan, so that you can pay with ease .
  • We will arrange direct payments to settle your loan and credit card bills of some other banks or financial institutions. Customers can choose if they need any cash-out.
  • No. A bank saving account will be created upon your Debt Consolidation Program drawdown for a new bank customer, which will be used for fund disbursement (if applicable) and monthly repayment.

4 steps to apply

 

1

Fill in information

2

Receive preliminary approval result

3

Upload documents and set up plans with our Debt Consolidation Specialists

4

Confirm the application and fund disbursement

Take a little escape from repayment with 1-month payment holiday1– you can even decide when to have it!

Enjoy the payment holiday!

Flexible repayment period up to 72 months! Pick the repayment schedule that suits you.

72-month extra-long

repayment period

From loans to card bills, this is your perfect fix to multiple loans – you can handle with ease from now on!

Loans, Assemble!