Civil Servants & Professionals Express Loan
Civil servants & professionals enjoy flexible cash-out at APR as low as 1.38%.

Sunny is a senior fireman with a monthly income of HK$45,000. After staying in the role for a few years, he decided to go for a master degree program to pursue a career breakthrough. However, the tuition fee is much higher than expected and he decided to apply for the UA Civil Servants/Professionals Express Loan.

With a full online experience, UA approved and disbursed the loan amount of HK$100,000 in one day. Sunny chose to repay the loan in 24 months and the monthly interest fee (average) is only HK$57.3 with an APR of 1.38%, which costs less than 2 cups of coffee.

Benny is a senior accountant who works in an International Bank. Despite having a high salary, his lives from paycheck to paycheck.

To release his burden from a high credit card debt and tax payment, Benny applied the UA Civil Servants/Professionals Express Loan With a simple online application and speedy processing time, Benny received his loan amount of HK$300,000 instantly after an online confirmation. Despite a large loan amount, it costs him only HK$170.7 for the monthly interest fee, which is cheaper than a City Saver Pass.

Sunny’s Financial Profile

Occupation Government department
Title Senior fireman
Years of servicing 10 years
Monthly income HK$45,000
Loan amount approved HK$100,000
Total repayment HK$101,376
Monthly repayment HK$4,224
Tenor 24 months
APR 1.38%

Benny’s Financial Profile

Occupation Finance industry
Title Accountant
Years of servicing 13 years
Monthly income HK$80,000
Loan amount approved HK$300,000
Total repayment HK$306,144
Monthly repayment HK$8,504
Tenor 36 months
APR 1.38%

Civil Servants and Professionals include but not limited to civil servants, doctors, nurses, dentists, pharmacists, lawyers, accountants, engineers, actuaries, teachers, social workers, professionals with professional licenses or certifications, and any staff employed by public sector/ quasi-government corporations, Airport Authority and Hospital Authority. (UA reserves the final right of interpretation on the definition of professionals).

+ As of June 2024, UA’s cash reward is the highest among the major financial companies in Hong Kong.
1 New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
^ Cash Reward Offer is subject to terms and conditions. For details, please click here.
* Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday(9:00am-12:30pm) and except Sunday and public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.


Key Facts Statement for Installment Loan:

  1. The minimum and maximum repayment period is 3 months and 60 months respectively.
  2. The maximum annual percentage rate is 36%.
  3. A representative example of total cost for a loan below is for reference only:
    • Loan amount: HK$10,000
    • Monthly installment of HK$1,815 for 6 months
    • Interest rate: 2.5% per month
    • Annual percentage rate: 30%
    • Total repayment amount: HK$10,890