Stellar Personal Loan from a Hong Kong Virtual Bank

Get a personal loan

Consolidate my existing loan

Airstar Personal Loan

APR (as low as)

0.99%¹

Handling fee

HK$0²

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 **

Welcome Offer:

• Receive HK$400 loan rebate coupon upon registration (usable when drawing down loan)*

*Cash reward is subject to terms and conditions

**60 days interest and repayment free is subject to terms and conditions

Key Features

Borrow up to 12 times of monthly income³
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

See less

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.

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.