Stellar Personal Loan from a Hong Kong Virtual Bank
Get a personal loan
Consolidate my existing loan
Airstar Personal Loan
APR (as low as)
• Receive HK$400 loan rebate coupon upon registration (usable when drawing down loan)*
• Enjoy HK$200 cash reward after a successful loan application*
• 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 **
Supports a wide range of credit profile with APR as low as 1.85%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”)
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.
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 22 November 2020 to 28 February 2021, eligible customers (mean those (1) who draw down a Personal Loan with a loan amount not exceeding HKD200,000 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.
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