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Instalment Loan
Get a loan with 4 easy steps
From 1 June to 31 July 2024, apply for our Instalment Loan with the promo code [HEADPHONES] to get 3 Loan Cash Coupons for up to HKD 1,6001 + a chance to win a pair of Apple headphones2!

Instalment Loan Terms and Conditions Key Facts Statement

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

Instalment Loan
Get a loan with 4 easy steps
From 1 June to 31 July 2024, apply for our Instalment Loan with the promo code [HEADPHONES] to get 3 Loan Cash Coupons for up to HKD 1,6001 + a chance to win a pair of Apple headphones2!

Instalment Loan Terms and Conditions Key Facts Statement

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

ZA Bank Instalment Loan
A loan unlocks HKD 1,000,000 funds³ with 4 steps of application
Promotional Terms and Conditions Fees & Charges
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0003 for you to solve your cash flow issue anytime.
Enjoy an APR as low as 1.80%
Regardless of the market situation, we’re dedicated to offering you an attractive APR as low as 1.80%4.
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.
Get your loan via one app
You can get your loan, from application to drawdown, via the ZA Bank app anytime.
ZA Bank Instalment Loan
A loan unlocks HKD 1,000,000 funds³ with 4 steps of application
Promotional Terms and Conditions Fees & Charges
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0003 for you to solve your cash flow issue anytime.
Enjoy an APR as low as 1.80%
Regardless of the market situation, we’re dedicated to offering you an attractive APR as low as 1.80%4.
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.
Get your loan via one app
You can get your loan, from application to drawdown, via the ZA Bank app anytime.
ZA Bank Instalment Loan
A loan unlocks HKD 1,000,000 funds³ with 4 steps of application
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0003 for you to solve your cash flow issue anytime.
Enjoy an APR as low as 1.80%
Regardless of the market situation, we’re dedicated to offering you an attractive APR as low as 1.80%4.
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.
Get your loan via one app
You can get your loan, from application to drawdown, via the ZA Bank app anytime.
ZA Bank Instalment Loan
A loan unlocks HKD 1,000,000 funds³ with 4 steps of application
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0003 for you to solve your cash flow issue anytime.
Enjoy an APR as low as 1.80%
Regardless of the market situation, we’re dedicated to offering you an attractive APR as low as 1.80%4.
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.
Get your loan via one app
You can get your loan, from application to drawdown, via the ZA Bank app anytime.
Repayment Calculator
Loan amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Loan amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Loan amount (HKD)
1,000,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Tenor (month)
60Instalment
9121824364860
Tenor (month)
60Instalment
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
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)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Loan amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Loan amount (HKD)
1,000,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Tenor (month)
60Instalment
9121824364860
Tenor (month)
60Instalment
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
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)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Loan amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Loan amount (HKD)
1,000,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Tenor (month)
60Instalment
9121824364860
Tenor (month)
60Instalment
9121824364860
Tenor (month)
9
12
18
24
36
48
60
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)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Loan amount (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Loan amount (HKD)
1,000,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Tenor (month)
60Instalment
9121824364860
Tenor (month)
60Instalment
9121824364860
Tenor (month)
9
12
18
24
36
48
60
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. During the Instalment Loan application from 1 June to 31 July 2024, you can input the invitation code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Instalment Loan with a loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above and a tenor of 18 months or above, the coupon as well as completion of the 7-day Cooling-off Period, you can get an HKD 588, HKD 688 and HKD 1,600 cash reward respectively. The coupon is valid for 14 days after you have entered the code during the loan application. Terms and conditions apply.


2. Upon successful application and drawdown of Instalment Loan with a loan amount of HKD 100,000 or above and a tenor of 18 months or above from 1 June to 31 July 2024, and the 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 pair of Apple AirPods Max 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 Apple product, 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 the reward according to the instructions shown on the coupon. 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 Annualised Percentage Rate (‘APR’) of 1.80% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.081%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.


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. During the Instalment Loan application from 1 June to 31 July 2024, you can input the invitation code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Instalment Loan with a loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above and a tenor of 18 months or above, the coupon as well as completion of the 7-day Cooling-off Period, you can get an HKD 588, HKD 688 and HKD 1,600 cash reward respectively. The coupon is valid for 14 days after you have entered the code during the loan application. Terms and conditions apply.


2. Upon successful application and drawdown of Instalment Loan with a loan amount of HKD 100,000 or above and a tenor of 18 months or above from 1 June to 31 July 2024, and the 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 pair of Apple AirPods Max 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 Apple product, 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 the reward according to the instructions shown on the coupon. 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 Annualised Percentage Rate (‘APR’) of 1.80% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.081%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.


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. During the Instalment Loan application from 1 June to 31 July 2024, you can input the invitation code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Instalment Loan with a loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above and a tenor of 18 months or above, the coupon as well as completion of the 7-day Cooling-off Period, you can get an HKD 588, HKD 688 and HKD 1,600 cash reward respectively. The coupon is valid for 14 days after you have entered the code during the loan application. Terms and conditions apply.


2. Upon successful application and drawdown of Instalment Loan with a loan amount of HKD 100,000 or above and a tenor of 18 months or above from 1 June to 31 July 2024, and the 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 pair of Apple AirPods Max 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 Apple product, 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 the reward according to the instructions shown on the coupon. 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 Annualised Percentage Rate (‘APR’) of 1.80% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.081%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.


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. During the Instalment Loan application from 1 June to 31 July 2024, you can input the invitation code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Instalment Loan with a loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above and a tenor of 18 months or above, the coupon as well as completion of the 7-day Cooling-off Period, you can get an HKD 588, HKD 688 and HKD 1,600 cash reward respectively. The coupon is valid for 14 days after you have entered the code during the loan application. Terms and conditions apply.


2. Upon successful application and drawdown of Instalment Loan with a loan amount of HKD 100,000 or above and a tenor of 18 months or above from 1 June to 31 July 2024, and the 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 pair of Apple AirPods Max 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 Apple product, 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 the reward according to the instructions shown on the coupon. 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 Annualised Percentage Rate (‘APR’) of 1.80% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.081%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.


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.