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Instalment Loan
Get a loan with 4 easy steps!
From 1 to 30 April 2025, apply for our Instalment Loan with the promo code of [PILCASH] to get 3 Loan Cash Coupons. You can earn a cash reward of up to HKD 10,0001. Plus, you can enjoy an APR as low as 1.30%2!

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 to 30 April 2025, apply for our Instalment Loan with the promo code of [PILCASH] to get 3 Loan Cash Coupons. You can earn a cash reward of up to HKD 10,0001. Plus, you can enjoy an APR as low as 1.30%2!

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 offer
Up to HKD 10,000 cash reward
  • Apply for Instalment Loan with the promo code [PILCASH] to get 3 Loan Cash Coupon! Earn up to HKD 10,000 in cash1 now!
Instalment Loan offer
Up to HKD 10,000 cash reward
  • Apply for Instalment Loan with the promo code [PILCASH] to get 3 Loan Cash Coupon! Earn up to HKD 10,000 in cash1 now!
Instalment Loan offer
Up to HKD 10,000 cash reward
  • Apply for Instalment Loan with the promo code [PILCASH] to get 3 Loan Cash Coupon! Earn up to HKD 10,000 in cash1 now!
Instalment Loan offer
Up to HKD 10,000 cash reward
  • Apply for Instalment Loan with the promo code [PILCASH] to get 3 Loan Cash Coupon! Earn up to HKD 10,000 in cash1 now!
ZA Bank Instalment Loan
A loan unlocks HKD 1,000,000 funds³ with 4 steps of application
Fees & Charges Promotional Terms and Conditions
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 1.30%
Regardless of the market situation, we're dedicated to offering you an attractive APR2 as low as 1.30%*.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds4.
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
Fees & Charges Promotional Terms and Conditions
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 1.30%
Regardless of the market situation, we're dedicated to offering you an attractive APR2 as low as 1.30%*.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds4.
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 1.30%
Regardless of the market situation, we're dedicated to offering you an attractive APR2 as low as 1.30%*.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds4.
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 1.30%
Regardless of the market situation, we're dedicated to offering you an attractive APR2 as low as 1.30%*.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds4.
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)

* Starting from 12:00 p.m. on 19 September 2024, ZA Bank’s Annual Percentage Rate (“APR”) for Instalment Loan will be reduced by 0.5% based on the APR as of 12:00 p.m. on 19 September 2024. For example, where the Instalment Loan amount is HKD 1,000,000, with a tenor of 12 months, the APR will be reduced from 1.80% to 1.30%. For reference APR and the details of this pricing adjustment for Instalment Loan, please refer to the ZA Bank App > Loans > Instalment Loan > Terms and Conditions > Promotional Terms and conditions. The APR may be updated from time to time due to market fluctuations. This pricing adjustment table of Instalment Loan as of 19 September 2024 is for reference only. If there are any updates, ZA Bank will not provide any further notifications. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.


1. During the Instalment Loan application from 1 to 30 April 2025, you can input the promotion code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Tax Loan with a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above and a tenor of 18 months or above and with the coupon, the user can get an HKD 1,000, HKD 5,000 and HKD 10,000 cash reward respectively after the completion of the 7-day Cooling-off period. The coupon is valid for 14 days after the user enters the code during the loan application. Terms and conditions apply.


2. The Annualised Percentage Rate ("APR") of 1.30% 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 0.0584%. 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.


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. 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.




* Starting from 12:00 p.m. on 19 September 2024, ZA Bank’s Annual Percentage Rate (“APR”) for Instalment Loan will be reduced by 0.5% based on the APR as of 12:00 p.m. on 19 September 2024. For example, where the Instalment Loan amount is HKD 1,000,000, with a tenor of 12 months, the APR will be reduced from 1.80% to 1.30%. For reference APR and the details of this pricing adjustment for Instalment Loan, please refer to the ZA Bank App > Loans > Instalment Loan > Terms and Conditions > Promotional Terms and conditions. The APR may be updated from time to time due to market fluctuations. This pricing adjustment table of Instalment Loan as of 19 September 2024 is for reference only. If there are any updates, ZA Bank will not provide any further notifications. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.


1. During the Instalment Loan application from 1 to 30 April 2025, you can input the promotion code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Tax Loan with a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above and a tenor of 18 months or above and with the coupon, the user can get an HKD 1,000, HKD 5,000 and HKD 10,000 cash reward respectively after the completion of the 7-day Cooling-off period. The coupon is valid for 14 days after the user enters the code during the loan application. Terms and conditions apply.


2. The Annualised Percentage Rate ("APR") of 1.30% 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 0.0584%. 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.


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. 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.




* Starting from 12:00 p.m. on 19 September 2024, ZA Bank’s Annual Percentage Rate (“APR”) for Instalment Loan will be reduced by 0.5% based on the APR as of 12:00 p.m. on 19 September 2024. For example, where the Instalment Loan amount is HKD 1,000,000, with a tenor of 12 months, the APR will be reduced from 1.80% to 1.30%. For reference APR and the details of this pricing adjustment for Instalment Loan, please refer to the ZA Bank App > Loans > Instalment Loan > Terms and Conditions > Promotional Terms and conditions. The APR may be updated from time to time due to market fluctuations. This pricing adjustment table of Instalment Loan as of 19 September 2024 is for reference only. If there are any updates, ZA Bank will not provide any further notifications. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.


1. During the Instalment Loan application from 1 to 30 April 2025, you can input the promotion code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Tax Loan with a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above and a tenor of 18 months or above and with the coupon, the user can get an HKD 1,000, HKD 5,000 and HKD 10,000 cash reward respectively after the completion of the 7-day Cooling-off period. The coupon is valid for 14 days after the user enters the code during the loan application. Terms and conditions apply.


2. The Annualised Percentage Rate ("APR") of 1.30% 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 0.0584%. 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.


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. 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.




* Starting from 12:00 p.m. on 19 September 2024, ZA Bank’s Annual Percentage Rate (“APR”) for Instalment Loan will be reduced by 0.5% based on the APR as of 12:00 p.m. on 19 September 2024. For example, where the Instalment Loan amount is HKD 1,000,000, with a tenor of 12 months, the APR will be reduced from 1.80% to 1.30%. For reference APR and the details of this pricing adjustment for Instalment Loan, please refer to the ZA Bank App > Loans > Instalment Loan > Terms and Conditions > Promotional Terms and conditions. The APR may be updated from time to time due to market fluctuations. This pricing adjustment table of Instalment Loan as of 19 September 2024 is for reference only. If there are any updates, ZA Bank will not provide any further notifications. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.


1. During the Instalment Loan application from 1 to 30 April 2025, you can input the promotion code to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Tax Loan with a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above and a tenor of 18 months or above and with the coupon, the user can get an HKD 1,000, HKD 5,000 and HKD 10,000 cash reward respectively after the completion of the 7-day Cooling-off period. The coupon is valid for 14 days after the user enters the code during the loan application. Terms and conditions apply.


2. The Annualised Percentage Rate ("APR") of 1.30% 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 0.0584%. 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.


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. 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.