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United Asia Finance review

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

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Our verdict

United Asia Finance is a practical choice for eligible Hong Kong residents seeking a fixed-rate personal instalment loan, especially if good credit and a prompt application matter. Loans reach HKD 1,500,000, but the broad APR range of 1.1% to 48% makes comparing the final offer important.

Key facts

Best for
Employed or self-employed Hong Kong residents with good credit who want a fixed-rate personal instalment loan.
APR
1.1% to 48%↗
Loan amount
HK$1,500,000↗
Term
3 to 60 months↗
Credit check
Hard↗
Funding time
Instant approval and cash transferred by FPS on online application↗
Representative example
Loan amount HK$10,000, monthly installment of HK$1,672 for 6 months, interest rate 0.092% per month, APR 1.1%, total repayment HK$10,032↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Hong Kong resident aged over 18, currently employed or self-employed↗
Loan types
Personal, Debt-consolidation, Credit-line, Secured, Business, Student↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
United Asia Finance Limited↗
Headquarters
Hong Kong↗
Founded
1993↗
Support channels
Phone, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
uafinance.com

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • Fixed-rate personal instalment loans make the rate structure clear.
  • Same-day funding is available through the stated online and FPS process.
  • Support runs through phone, chat and help centre.
  • The wider service includes personal, debt consolidation, credit line, secured, business and student loans.

Cons

  • A hard credit check is required, which may affect an existing borrowing application.
  • APR starts as low as 1.1% to 48%, so the final cost depends strongly on the rate assigned.
  • Good credit is needed, limiting the offer for applicants with weaker credit histories.
United Asia Finance

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Scored 9.5 / 10 by SumCue.

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Who it suits

  • Hong Kong residents who are currently employed or self-employed and have good credit.
  • Borrowers who want a fixed-rate personal instalment loan with flexible terms.
  • People who value online applications, FPS transfer and phone or chat support.

Who should look elsewhere

  • Cashspace and Sofkredit may suit borrowers seeking offers in their respective markets.
  • Creduma ES may suit applicants seeking its own loan amount range rather than a Hong Kong instalment loan.
  • Borrowers affected by a hard credit check may prefer to avoid a formal application.

Who runs it

United Asia Finance is operated by United Asia Finance Limited, headquartered in Hong Kong and established in 1993. It provides support through phone, chat and help centre. Its Hong Kong money lender licence is listed as 843/2026 under the Money Lenders Ordinance (Hong Kong).

How United Asia Finance compares

Where United Asia Finance is available

Available
Hong Kong
Licence in Hong Kong
Money Lenders Ordinance (Hong Kong) (843/2026), checked September 26, 2026

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

Frequently asked questions

What types of loans are available?+

United Asia Finance offers fixed-rate personal instalment loans with APRs of 1.1% to 48% and terms of 3 to 60. Its wider range includes personal loans, debt consolidation, credit lines, secured loans, business loans and student loans.

How much can I borrow?+

Personal instalment loans of HKD 1,500,000 are available, subject to affordability and lending criteria. The product uses a fixed rate, so the repayment amount remains aligned with the agreed loan terms.

Will applying affect my credit?+

The personal instalment loan application uses a hard credit check, and the stated credit requirement is good. This may affect an existing borrowing application, so it is worth considering before proceeding.

How quickly could I receive the money?+

The stated funding process is instant approval followed by an FPS transfer for an online application. Same-day funding is listed as a feature, subject to approval and completion of the transfer process.

Who can apply?+

Eligibility is limited to Hong Kong residents who are adults and currently employed or self-employed. Applicants also need good credit under the stated lending criteria.

Who operates the lender in Hong Kong?+

United Asia Finance is operated by United Asia Finance Limited and is based in Hong Kong. Its money lender licence is listed as 843/2026 under the Money Lenders Ordinance (Hong Kong).

Sources

  • uaf.com.hk/en/about-us/company-overview checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “UA has been rooted in Hong Kong for decades since its establishment in 1993”

  • uaf.com.hk/en/faq-personal-instalment-loan checked September 26, 2026

    Backs: Credit check, Eligibility, Pricing model, Rate type

    “In general, UA will check on the customer's credit report which will serve as part of the assessment for loan application.”

  • uaf.com.hk/en/loans checked September 26, 2026

    Backs: Features, Loan types, Use cases

    “e-Cash Revolving Loan: apply once and enjoy unlimited usage of the approved credit line, round the clock instant cash transfer service”

  • uaf.com.hk/en/loans/imoney-loan checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Funding time, Lender type, Representative example, Support channels, Term, Licences

    “i-Money Internet Personal Loan ... large loan amount up to $1,500,000 for flexible cash out”

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

Not confirmed yet: Arrangement fee.

United Asia Finance

United Asia Finance

Employed or self-employed Hong Kong residents with good credit who want a fixed-rate personal instalment loan.

9.5/10See alternatives