Thanks to the competition among personal loan lenders in Hong Kong, banks and lending companies usually announce promos such as cash backs to make their offers more appealing to the general public.
Our comparison tool can help you find out which personal loan providers have ongoing promotional offers, with details of the promotional period as well as the specific terms. Special offers are usually provided to online applicants. Therefore, it is more beneficial for you to make application online.
If you're considering applying for a personal loan but not in the immediate future, then you have time to ensure that you maintain a healthy credit rating. Lenders check your credit history when they process your application and decide your interest rate. Take steps to polish up your credit history, such as by paying off debts or disputing any obvious errors on your credit history. If you have a good credit rating, you're more likely to be granted a lower interest rate.