Stellar Personal Loan from a Hong Kong Virtual Bank
Borrow up to 12 times of monthly income¹ at $0 handling fee²
1.85% APR³
Supports a wide range of credit profile with APR as low as 1.85%. Available 24x7.
12% discount off⁵
Enjoy 12% discount off⁴ with a comparative quote⁵
$0 Handling fee²
$0 handling fee, $0 admin or early repayment fee. Save costs with greater flexibility
5 Minutes to Disbursement⁶
Fast process from online application to disbursement, no income and address proof required
Redeem Exclusive Cash Reward
Apply for a personal loan with Airstar Bank through Planto and receive HK$200 cash reward!
Sign-up for cash reward & get a direct app download link now
12% Discount on Loan Interest Rate Promotion
By giving Airstar Bank other loan drawdown proof⁴, a 12% discount off⁵ interest rate will be entitled, allowing you to experience an even lower interest rate.

Example: If the APR approved by Airstar in Approval in Principle is 10% and the APR stated on loan drawdown proof is 9%, you will be entitled to 10% x 88%, ie. 8.8%

12% Discount on Loan Interest Rate Promotion Terms and Conditions
About
?
Airstar Bank is one of the 8 virtual banks that received virtual bank license from Hong Kong Monetary Authority in 2019

The bank is a jointly established entity by Xiaomi Corporation, global IoT leader, and AMTD Group, Asia’s leading comprehensive financial services conglomerate.
Get loan from Airstar Bank in
3 simple steps
1
Register with your phone number
Receive Airstar Bank mobile app download link from Planto's website
2
Apply for loan with Airstar Bank mobile app
Apply for loan through Airstar Bank mobile app using your registered phone number
3
Loan approval & reward collection
Get loan disbursement & cash reward in your Airstar Bank account
APR as low as 1.85%³
Compelling interest rate from a bank, with greater flexibility across credit profiles.
$0 handling Fees²
Forget handling fee, admin fee and early repayment fee. Save costs, only pay for principal and interest.
No income & address proof⁶
Get a personal loan online as fast as in 5 minutes. With big data analysis, no income or address proof will be required.
Get a personal loan from Airstar Bank today and receive cash reward
Sign-up for cash reward & get a direct app download link now
Frequently Asked Questions
About personal loan
About repayment
What is an annualized percentage rate? (APR)
What documents are required for a loan application?
Over what period should I choose to repay the loan?
Would the loan information under the Loan be shown on my credit report?
Remarks for Airstar Bank Limited (“Airstar Bank”):
  1. Loan amount up to 12x of monthly salary or HKD 1,000,000 (whichever is lower).

  2. Please refer to Airstar Personal Instalment Loan Key Facts Statement for details.

  3. The Annualized Percentage Rate ("APR") of 1.85% is calculated based on the annual rate 1.83% with loan amount of HKD250,000 and repayment tenor of 36 months. APR is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up or down to the nearest two decimal places. APR is a reference rate which includes the basic interest rate and other fees and charges (if applicable) expressed as an annualized rate. Approval of the APR is subject to the final decision of Airstar Bank.

  4. Eligible Customer can upload the loan drawdown proof by other local licensed financial institution available within a year through Airstar Bank Mobile App on the Submit Supporting Documents page in the loan application process. For more details, please refer to “12% Discount on Loan Interest Rate Promotion Terms and Conditions”.

  5. If the Annualized Percentage Rate (“APR”) listed in the loan drawdown proof provided by Eligible Customer is lower than that approved by Airstar Bank, we will offer a 12% discount off the approved APR by us (rounded up or down to the nearest two decimal places). The reduced APR is capped at 1.85%. Example: Given that the APR approved by Airstar in Approval in Principle is 10% and the APR stated on loan drawdown proof is 9%, you will be entitled to 10% x 88%, ie. 8.8%. For more details, please refer to “12% Discount on Loan Interest Rate Promotion Terms and Conditions”.

  6. According to individual circumstances, Airstar Bank reserves the right to request customers to provide additional supporting documents for approval. The approval time required is subject to real situation.

  7. Airstar Bank reserves the right of final approval.

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