e-Cash Revolving Loan
UA all-round loan solutions let you transfer cash instantly through online to offline multiple channels. Fulfill your financial needs anytime, anywhere.
  • Just apply once and enjoy the unlimited access
  • Interest is calculated on daily basis, no interest charge for unused credit
  • Credit amount will be adjusted automatically upon each repayment
  • Cash will be transferred to your designated account via phone or internet*

Jacky earns around HK$59,000 per month by running a boutique. He will get married soon and worries about the expenses of wedding party and honeymoon as he has spent much on the decoration for his boutique recently. Recommended by his friend, he applied UA e-Cash Revolving Loan. With simple application procedure and no interest charge for unused credit, HK$200,000 e-Cash Revolving Loan credit is approved for his urgent needs. From now on, he doesn’t need to worry about his wedding expenses and has extra cash for running his business.

Mandy is a financial analyst. She wanted to take the opportunity to invest on some popular stock. However, her family suddenly needed a large amount of money for unexpected use, so she didn’t have enough capital for further investment. Mandy heard about UA e-Cash Revolving Loan from advertisement and she decided to apply it through the branch. Finally, UA approved a credit amount of HK300,000 to her and she has not missed this valuable investment opportunity. Most important of all, no interest will be charged for unused credit. And now, Mandy can transfer cash to her designated account via internet or phone even when she is having business trip.

Jacky's Financial Profile

Occupation Owner of a boutique
Operating years 2 years
Profit HK$59,000
Expense of wedding party HK$150,000
e-Cash Revolving Loan amount HK$200,000

Mandy's Financial Profile

Industry Financial sector
Title Financial Analyst
Years of servicing 5 years
Monthly income HK$46,000
Capital needs for investment HK$230,000
e-Cash Revolving Loan amount HK$300,000


* Electronic transfer service is only available for loan disbursement account at designated bank. For designated bank, bank transfer is available on Monday to Friday (9:00 am to 7:30 pm), Saturday and Sunday (9:00 am to 5:30 pm), except public holidays. The actual date of transfer is subject to the transfer servicing hours of individual bank.

Key Facts Statement for Revolving Loan:

  1. The minimum and maximum repayment period is 3 months and 12 months with annual renewal (but all terms and conditions of the approved loan will be reviewed and approved on a yearly basis).
  2. The maximum annual percentage rate is 48%. The actual interest charged will be calculated based on the actual withdrawn amount by the customer.
  3. A representative example of total cost for a loan below is for reference only:
    • Withdrawn loan amount: HK$10,000
    • No. of days used: 70 days
    • Annual percentage rate: 30%
    • Total interest: HK$575 (= HK$10,000 x 30% x 70 / 365)
    • Total repayment amount: HK$10,575