Personal Loan for Selected Fubon Customers

Key Facts Statement for Personal Loan for Selected Fubon Customers

Get the pre-approved loan amount with no income proof required.

Apply now and enjoy fabulous offers on or before 29 January 2026:

Online Application : HK$200 Supermarket Cash Coupon^{^}
Successfully apply for and drawdown the loan via online to enjoy HK$200 supermarket cash coupon

The promotion is subject to relevant terms and conditions.

To borrow or not to borrow? Borrow only if you can repay!

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Product Features

Tenor up to 60 months
Annualized Percentage Rate (“APR”) as low as 3.88%^, monthly flat rate as low as 0.1730%*
Loan amount up to 16 times of monthly salary or HK$3,000,000 (whichever is lower)
Loan amount will be credited to your designated bank account directly
HK$0 Handling fee

^*APR, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate of the loan.

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Hotline Application	Fubon Personal Loan Express Approval Hotline : 2806 5050

Terms and Conditions

^{^}Terms and Conditions of “Supermarket Cash Coupons” Offers

Customers who apply via Fubon Bank website or Fubon GO Mobile App and draw down the loan between 3 October 2025 and 29 January 2026, both dates inclusive will be entitled supermarket cash coupon of HK$200. Cash Coupon(s) redemption letter will be mailed to customer's correspondent address within 5 months after successful drawdown.

Promotion Code Terms and Conditions

Customers who submit application and drawdown of the Fubon Personal Loan via Fubon Bank website or Fubon GO Mobile App, within the promotion period as stated in the relevant advertisement, and enter designated promotion code will be entitled extra supermarket cash coupon. Only one promotion code can be applied for each application. Each customer can use promotion code once only during the designated promotion period. Fubon Bank (Hong Kong) Limited (the “Bank”) will not be liable if a customer fails to input the promotion code when conducting the application. Cash Coupon(s) redemption letter will be mailed to customer's correspondent address within 5 months after successful drawdown.

Terms and Conditions of Personal Loan for Selected Fubon Customers

Applicants must be Hong Kong permanent residents over 18 years old and annual income at HK$60,000 or above.
Personal Loan for Selected Fubon Customers is only applicable to designated Fubon Bank (Hong Kong) Limited (the “Bank”) customers. The Bank reserves the final right to determine the designated Bank customers to be offered with such Personal Loan without any explanation.
Personalized interest rate offered is determined based on customers’ credit quality and the personal information submitted. Annualized Percentage Rate (“APR”) as low as 3.88% is calculated based on a monthly flat rate of 0.1730%, loan amount of HK$1,500,000 and repayment period of 12 months. The above example is for reference only. APR for each customer may vary and subject to final approval result. The above APR, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate of the loan.
The interest rate is determined based on customers’ relationship with the Bank, customers’ credit quality and the personal information submitted. After the application is taken on-line, customers will be announced the interest rate. To be entitled to the interest rate and/or other privileges, customers must apply and successfully drawdown the loan between 3 October 2025 and 29 January 2026, both dates inclusive.
The Bank will disburse the loan amount directly to the customer’s designated bank account after successful approval. The corresponding confirmation letter will be mailed to customer. The designated bank (except the Bank) may impose a service charge on the customer's designated bank account for the remittance.
Customer has to submit the required personal information and/or all necessary documents to Fubon Bank (the "Bank") for final approval after the preliminary approved result has been obtained. Final approval of the application will be subject to the Bank’s decision upon collection of the necessary documents. The Bank reserves the final decision to disapprove any application and determine the approved loan amount.
Customer is required to provide Telephone Banking Identification Number (“TIN”) for customer identity authentication when performing enquiry of the new personal loan account via the Fubon Bank Integrated Customer Service Hotline after successful approval of the loan. Please visit any Fubon Bank branches in person to apply if you do not have a TIN after loan drawdown. TIN will then be sent to you by mail.
The Bank reserves the right to offer other interest rates, loan tenors or personal loan plans subject to the approval result of each customer.
If the Cash Coupon(s) are out of stock, the Bank has the sole discretion to offer a different coupon as replacement. Cash Coupon(s) are not exchangeable with cash. The use of Cash Coupon(s) shall be subject to the terms and conditions stated on the Cash Coupons. Cash Coupon(s) are provided by respective merchant and the Bank makes no representation or guarantee as to the quality and availability of the products, services, or information provided by the merchant. The Bank shall not be liable for any matters arising from or in connection with the products, services, or information provided by the merchant.
7-Day Cooling-off Period:
- The 7-Day Cooling-off Period is applicable to the Customer who has successfully applied and drawdown for Fubon Personal Loan and is required to call Fubon Personal Loan Express Approval Hotline at 2806 5050 in person and repay the full Installment Loan Amount within 7 calendar days immediately following the date of drawdown of the Installment Loan (“the due date of Cooling-off Period”). For such successful applicants, an Early Settlement Fee and related loan interest will be waived.
- Under Fubon Personal Loan, customer can only early settle Fubon Personal Loan during the 7-Day Cooling-off Period and enjoy waiver of the Early Settlement Fee ONCE only in each quarter. Customer will no longer be entitled to any promotional offer in relation to Fubon Personal Loan.
- If the customer fails to repay the full Installment Loan Amount on or before the due date of Cooling-off Period, the application for Cooling-off Period will be cancelled automatically. If the Customer needs to do early repayment or cancel Fubon Personal Loan subsequently, the Bank will charge all the outstanding due under the Loan (including principal and interest, and in respect of the accrued interest this shall be calculated for the period up to the next repayment Due Date or before), an Early Settlement Fee and Late Payment Fee and Charge (if applicable) in accordance with the Fixed Term Personal Loan List of Service Charges.
The Bank reserves the right to suspend, vary or cancel the promotion offer and amend the relevant terms and conditions at any time without prior notice. In case of disputes, the decision of the Bank is final and conclusive. Should there be any inconsistency between the English and Chinese versions of the terms and conditions, the English version shall prevail.
Other than the bank and the customer, no third party will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the terms and conditions herein.
These terms and conditions are governed by the laws of the Hong Kong and the customer agrees to submit to the non-exclusive jurisdiction of Hong Kong courts in respect of any dispute which may arise out of or in connection with these terms and conditions.

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Fubon Personal Loan
Express Approval Hotline

2806 5050

Personal Loan forSelected Fubon Customers

Personal Loan for
Selected Fubon Customers