Full online loan application. No TU review required. APR guaranteed at 1%

Paid interest fully rebated after the loan settlement.

100% Personal Loan Guarantee Scheme

We are optimising the application procedures and strengthening our risk management for the 100% Personal Loan Guarantee Scheme. While new applications are temporarily suspended, we’ll continue to process applications which have been submitted to us as usual. We will let you know once we resume accepting new applications again.

Same as the traditional banks, ZA Bank, which is a licensed financial institution in Hong Kong, will adopt relevant measures to protect users' personal information and assets through ongoing enhancement of the security and anti-fraud policies.

For enquiries, please call our Customer Service hotline on 3665 3665 or get in touch with us in the ZA Bank App.

100% Personal Loan Guarantee Scheme
All in one App - entire application goes online.
New bank users who successfully draw down 100% Personal Loan Guarantee Scheme and opened account at the same time can get HKD 400 cash rewards
No TU review required. APR guaranteed at 1%[1] and paid interest will be fully rebated after the loan is settled.

Eligibility and required documents

Holder of Hong Kong permanent identity card aged 18 or above

Unemployed for at least 2 months from application date

Employed for at least 3 months in-between Jan 2020 and Feb 2021

Must not be undischarged bankrupts nor subject to any bankruptcy petition or proceedings at the time of loan application.

Shall maintain a valid ZA Bank account or eligible to open one

Loan example
What is principal repayment holiday?
Customers can choose to enjoy a 12-month long principal repayment holiday, and repay only the interest during the period of time.
Loan amountTotal tenorPrincipal Repayment holiday
(12 months)
Monthly repayment in first 12 monthsMonthly repayment from 13th to 72nd monthsAfter all repayments
HKD 80,00072 monthsHKD 66.67HKD 1,367.29All interest will be rebated
XHKD 1,145.24HKD 1,145.24
Borrow in just 3 steps

[ 1 ] The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate.