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Fubon Credit review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Fubon Credit lends straight to people in Hong Kong through its app, with fixed rates and no income paperwork. It suits borrowers who need a balance quickly and already hold an HKID card, and the low end of its rate band sits under the 14.43% APR seen across personal loans here.

Key facts

Best for
A quick app loan for a Hong Kong resident with no income proof to hand.
APR
8.5% to 36%↗
Loan amount
HK$1,000,000↗
Term
6 to 60 months↗
Funding time
Application, contract confirmation and fund transfer completed in the app in about 2 minutes↗
Representative example
Loan Amount HK$100,000, monthly flat rate 0.40% (APR 8.50%), repayment period 6 months, monthly repayment HK$17,066.67, total repayment HK$102,400↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Hong Kong residents holding a HKID card; no income proof or full-time job required, HKID card and mobile phone only↗
Loan types
Personal, Debt-consolidation↗
Legal entity
Fubon Credit (Hong Kong) Limited↗
Headquarters
Hong Kong↗
Support channels
Email, Phone, Help-centre↗
Official website
boni.fuboncredit.com.hk

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • Fixed rates at 8.5% to 36% for the whole term
  • No income proof or full-time job needed, just an HKID card and a mobile phone
  • Support runs on email, phone and help centre by phone, by email or in the help centre

Cons

  • The upper end of the 8.5% to 36% band sits above the 14.43% APR seen across personal loans here, so the cheapest rate depends on the applicant
  • Eligibility is limited to Hong Kong residents, so a borrower living elsewhere cannot apply
  • Repayment terms reach 6 to 60, which can leave a balance hanging over a longer budget
Fubon Credit

Ready to try Fubon Credit?

Scored 9.3 / 10 by SumCue.

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Who it suits

  • Borrowers based in Hong Kong with an HKID card who need funds in a hurry
  • Anyone without payslips or a full-time job, since income proof is not asked for
  • Anyone lumping existing balances into a single personal and debt consolidation loan

Who should look elsewhere

  • Borrowers in Hong Kong chasing the lowest rate, since Sofkredit's 10.74% to 18.06% stays under the upper end of the Fubon Credit band
  • Applicants outside Hong Kong, since Cashspace quotes PHP 12 to PHP 36 and Creduma ES lends from from €12,000 in their own markets

Safety of your money

Fubon Credit is a direct lender, so the borrower deals with the party that actually carries the debt rather than a broker or marketplace, and it sits under the Hong Kong Monetary Authority (HKMA). The published representative example spells the cost out in full, with the loan amount, a monthly flat rate and the total repaid, so a similar loan can be costed before applying.

Who runs it

The lender is Fubon Credit (Hong Kong) Limited, based in Hong Kong, and it issues the loan itself, so the contract and the debt sit with the same company. Help runs on email, phone and help centre, so a question about a contract, an instalment date or a transfer can go to a person by phone, by email or through the help centre.

How Fubon Credit compares

Where Fubon Credit is available

Available
Hong Kong
Licence in Hong Kong
Hong Kong Monetary Authority (HKMA), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Fubon Credit charge?+

Fubon Credit lends at a fixed rate, so the instalment does not move during the term. The published band runs 8.5% to 36%, and the representative example shows a monthly flat rate with the total repayment given in full, so a similar loan can be costed up front.

How fast does the money arrive?+

Application, contract confirmation and the transfer all happen inside the app, so there is no branch visit and no separate paperwork in that sequence, and a direct lender means the contract sits with the company you apply to.

What do I need to apply?+

Applications are open to people living in Hong Kong, and the items needed are short: an HKID card and a mobile phone. Income proof is not asked for and a full-time job is not needed, so a borrower without payslips can still put an application together.

How much can I borrow?+

Borrowing runs to HKD 1,000,000 in Hong Kong dollars, which is a high ceiling for a personal instalment loan. Repayment periods are set by 6 to 60, so the same facility can stretch over a long plan or be kept short for a bridge between paydays.

What kinds of loan are offered?+

The lending covers personal and debt consolidation, so the same application can tidy existing balances or fund personal spending. Because the rate is fixed and the term set in advance, the instalment stays the same across the period.

How do I get help with my loan?+

Support runs on email, phone and help centre, so a question can be raised by phone, by email or through the help centre. A borrower with a question about a contract or an instalment date does not need to visit a branch, and Fubon Credit (Hong Kong) Limited handles the enquiry.

Who runs the lender and who supervises it?+

The lender is Fubon Credit (Hong Kong) Limited, based in Hong Kong, and it operates under the Hong Kong Monetary Authority (HKMA). Because the loan comes straight from that company, the borrower knows at application stage which party will hold the debt.

Can I borrow outside Hong Kong?+

Eligibility is tied to Hong Kong, so an applicant living elsewhere cannot use this lender. Readers in the Philippines can weigh Cashspace at PHP 12 to PHP 36 instead, and those in Europe can look at Creduma ES lending from from €12,000.

Sources

  • boni.fuboncredit.com.hk/en checked September 26, 2026

    Backs: Licences

  • boni.fuboncredit.com.hk/en/about-us checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type

    “the leading consumer lending digital platform in Hong Kong”

  • boni.fuboncredit.com.hk/en/faq checked September 26, 2026

    Backs: Support channels

    “Email Enquiry fc.enquiry.fbhk@fubon.com; 24-hour Customer Service Hotline (852) 3767 6668”

  • boni.fuboncredit.com.hk/en/personal-instalment-loans checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Funding time, Loan types, Rate type, Representative example, Term

    “Personal Instalment Loans: Borrow up to HK$1,000,000 or 12 times your monthly salary, with a flexible repayment period of up to 60 months”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check.

Fubon Credit

Fubon Credit

A quick app loan for a Hong Kong resident with no income proof to hand.

9.3/10See alternatives