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Debt Changer
Clear debts and slash your interest rates
From 1 June until 31 July 2024, apply for Debt Changer with the promo code [GOMACAU] to get a cash reward of up to HKD 6,8001 and a chance to win a one-night stay at a 5-star hotel in Macau (worth HKD 2,000+)2!

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 June until 31 July 2024, apply for Debt Changer with the promo code [GOMACAU] to get a cash reward of up to HKD 6,8001 and a chance to win a one-night stay at a 5-star hotel in Macau (worth HKD 2,000+)2!

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
Get your approval result in 90 seconds3
72-month extra-long repayment period
Flexible repayment period of up to 72 months4! 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
Get your approval result in 90 seconds3
72-month extra-long repayment period
Flexible repayment period of up to 72 months4! 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
Get your approval result in 90 seconds3
72-month extra-long repayment period
Flexible repayment period of up to 72 months4! 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
Get your approval result in 90 seconds3
72-month extra-long repayment period
Flexible repayment period of up to 72 months4! 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 Consolidation Program application from 1 June until 31 July 2024, you can input the invitation code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of the Debt Consolidation Program with a loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above with the coupon as well as completion of the 7-day cooling-off period, you can get an HKD 800, HKD 3,000 and HKD 6,800 cash reward respectively. The coupon is valid for 14 days after you have entered the code during the loan application. Terms & conditions apply.


2. Upon successful application and drawdown of the Debt Consolidation Program with a loan amount of HKD 100,000 or above, a tenor of 12 months or above from 1 June until 31 July 2024, and completion of the 7-day Cooling-off Period, users will get a capsule from ZA Quest on 16 September 2024. Users will have a chance to draw a one-night stay at a 5-star hotel in Macau with breakfasts for two (worth HKD 2,000 or above) or ZA Coin (a third-party reward scheme operated by ZA International Financial Services Limited ("ZAIF”)) of varying amounts. Each user can only enjoy a reward once. If the user wins the hotel accommodation, a corresponding redemption coupon will be added to the user’s ZA Bank account. The user can go to the ZA Bank App > the Explore tab > My Coupons to view the reward details and redemption method. Terms & conditions apply.


3. 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.


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.




Notes

1. During the Debt Consolidation Program application from 1 June until 31 July 2024, you can input the invitation code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of the Debt Consolidation Program with a loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above with the coupon as well as completion of the 7-day cooling-off period, you can get an HKD 800, HKD 3,000 and HKD 6,800 cash reward respectively. The coupon is valid for 14 days after you have entered the code during the loan application. Terms & conditions apply.


2. Upon successful application and drawdown of the Debt Consolidation Program with a loan amount of HKD 100,000 or above, a tenor of 12 months or above from 1 June until 31 July 2024, and completion of the 7-day Cooling-off Period, users will get a capsule from ZA Quest on 16 September 2024. Users will have a chance to draw a one-night stay at a 5-star hotel in Macau with breakfasts for two (worth HKD 2,000 or above) or ZA Coin (a third-party reward scheme operated by ZA International Financial Services Limited ("ZAIF”)) of varying amounts. Each user can only enjoy a reward once. If the user wins the hotel accommodation, a corresponding redemption coupon will be added to the user’s ZA Bank account. The user can go to the ZA Bank App > the Explore tab > My Coupons to view the reward details and redemption method. Terms & conditions apply.


3. 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.


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.




Notes

1. During the Debt Consolidation Program application from 1 June until 31 July 2024, you can input the invitation code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of the Debt Consolidation Program with a loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above with the coupon as well as completion of the 7-day cooling-off period, you can get an HKD 800, HKD 3,000 and HKD 6,800 cash reward respectively. The coupon is valid for 14 days after you have entered the code during the loan application. Terms & conditions apply.


2. Upon successful application and drawdown of the Debt Consolidation Program with a loan amount of HKD 100,000 or above, a tenor of 12 months or above from 1 June until 31 July 2024, and completion of the 7-day Cooling-off Period, users will get a capsule from ZA Quest on 16 September 2024. Users will have a chance to draw a one-night stay at a 5-star hotel in Macau with breakfasts for two (worth HKD 2,000 or above) or ZA Coin (a third-party reward scheme operated by ZA International Financial Services Limited ("ZAIF”)) of varying amounts. Each user can only enjoy a reward once. If the user wins the hotel accommodation, a corresponding redemption coupon will be added to the user’s ZA Bank account. The user can go to the ZA Bank App > the Explore tab > My Coupons to view the reward details and redemption method. Terms & conditions apply.


3. 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.


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.




Notes

1. During the Debt Consolidation Program application from 1 June until 31 July 2024, you can input the invitation code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of the Debt Consolidation Program with a loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above with the coupon as well as completion of the 7-day cooling-off period, you can get an HKD 800, HKD 3,000 and HKD 6,800 cash reward respectively. The coupon is valid for 14 days after you have entered the code during the loan application. Terms & conditions apply.


2. Upon successful application and drawdown of the Debt Consolidation Program with a loan amount of HKD 100,000 or above, a tenor of 12 months or above from 1 June until 31 July 2024, and completion of the 7-day Cooling-off Period, users will get a capsule from ZA Quest on 16 September 2024. Users will have a chance to draw a one-night stay at a 5-star hotel in Macau with breakfasts for two (worth HKD 2,000 or above) or ZA Coin (a third-party reward scheme operated by ZA International Financial Services Limited ("ZAIF”)) of varying amounts. Each user can only enjoy a reward once. If the user wins the hotel accommodation, a corresponding redemption coupon will be added to the user’s ZA Bank account. The user can go to the ZA Bank App > the Explore tab > My Coupons to view the reward details and redemption method. Terms & conditions apply.


3. 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.


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.