Apply Civil Servants and Professionals Express Loan
  • 【Best-in-town+ offer! Cash Reward^ up to $18,000】Cash Reward up to $18,000^ for all new and existing customers1!
  • APR as low as 1.38% with flexible repayment terms: 6 - 60 months.
  • Apply online anytime anywhere, no face-to-face contact is required.
  • Swift approval, instant cash by FPS*.
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Customer Type

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 Jan 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