Stellar Personal Loan from a Hong Kong Virtual Bank
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Consolidate my existing loan
Airstar Personal Loan
APR (as low as)
Limited time offer:
60 days interest and repayment free. Customer is not required to make repayment in the first 60 days after drawdown. Early settle the entire loan before the first due date, the customer is not required to pay any interest and can settle the entire loan by only repaying the loan principal **
• Receive HK$400 loan rebate coupon upon registration (usable when drawing down loan)*
Supports a wide range of credit profile with APR as low as 0.99%¹. Available 24x7.
$0 handling fee, $0 admin or early repayment fee². Save costs with greater flexibility
5 Minutes to Disbursement. Fast process from online application to disbursement, no income and address proof required⁴
60 days Interest and Repayment Free⁵
Remarks from Airstar Bank Limited (“Airstar Bank”)
Annualized Percentage Rate ("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. The promotion period of stellar APR 0.99% is from 5 June 2021 to 31 July 2021(both dates inclusive). To be entitled for APR as low as 0.99%, customers must successfully apply and draw down a loan by 31 July 2021 at HKD500,000 or above and 12 instalments with fulfilled specific credit requirements, the promotional APR is subjected to the final decision of Airstar Bank Limited. Approval of the APR is subject to the final decision of Airstar Bank Limited. The APR ranges from 0.99% to 28.14% with repayment period of 12 to 60 months. For a loan amount of HKD500,000 with 12 months repayment period, the APR is 0.99%, and the total loan repayment amount is HKD502,685.29 (handling fee waived). The above example is for reference only, please refer to terms and conditions for details.
Please refer to Airstar Personal Instalment Loan Key Facts Statement for details.
Loan amount up to 12x of monthly salary or HKD 1,000,000 (whichever is lower).
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.
From 17 July 2021 to 31 October 2021 (both dates inclusive), eligible customers (mean those (1) who draw down a Personal Loan with a loan amount not exceeding HKD100,000 and (2) enroll for "60 Days Interest and Repayment Free Promotion" on "Final Approval Result" page) are not required to make repayment in the first 60 days after loan drawdown. If eligible customers early settle the entire loan before the first due date, the customer is not required to pay any interest and can settle the entire loan by only repaying the loan principle. Example: Draw down on 17 July 2021, first due date will be on 18 September 2021; Draw down on 31 July 2021, first due date will be on 1 October 2021. For more details, please refer to "60 days Interest and Repayment Free Promotion Terms and Conditions".
Airstar Bank reserves the right of final approval.
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
Register with your phone number
Follow the apply link to register your number and download the Airstar Bank mobile app
Apply for loan with
Airstar Bank mobile app
Apply for loan through Airstar Bank mobile app using your registered phone number
Loan approval & reward collection
Get loan disbursement & cash reward in your Airstar Bank account
Frequently Asked Questions
About personal loan
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?
To borrow or not to borrow? Borrow only if you can repay!
Contact Airstar Bank at Suites 3201-07, 32/F, Tower 5, The Gateway, Harbour City, Tsim Sha Tsui, Kowloon, Hong Kong or +852 3718 1818