• Apply online anytime anywhere, no face-to-face contact is required
• Fast approval, round-the-clock cash transfer to your account*

Case 1:
Tom is a shop supervisor of a renowned retailing group for luxury watch and jewellery, with around HK$40,000 monthly income (including commission). According to the recent good business of the shop, Tom felt that the economy would flourish and that provided a good investment opportunity. For that, he needed a capital of HK$100,000 but it was hard for him to go to financial institutions to apply loan due to the long working hours.

Till a night at home, Tom has found a promotion of UA i-Money Internet Personal Loan while surfing the internet and knew that the loan application procedures can be completed through internet. It doesn’t need any face-to-face contact and cash will be transferred to the designated account upon approval. Then, he applied loan online immediately and a loan amount of HK$100,000 had been transferred to his account very soon. Other than that, UA also credited him a HK$50,000 e-Cash Revolving Loan for emergency use, no interest will be charged for any unused credit.

Case 2:
1 year from now, Patrick took the offer of being a manager in Shanghai office of a multi-national trading company. After that, he decided to settle down and purchase a flat in Shanghai.

He earns HK$35,000 per month but still lacking in a lump-sum to pay the deposit. Before he went back to Hong Kong to make a loan application, Patrick knew that UA offers i-Money Internet Personal Loan that the loan application procedures can be completed through online from talking with some expatriates from Hong Kong in a gathering. It doesn’t need any face-to-face contact and cash will be transferred to the designated account upon approval.

He then applied loan through internet and a loan amount of HK$300,000 had been transferred to his account very soon. Other than that, UA also credited him a HK$75,000 e-Cash Revolving Loan for managing other expenses related to his flat purchase. No interest will be charged for any unused credit.

Note:
*Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday to Sunday (9:00am-5:30pm) and except public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

Key Facts Statement for Installment Loan:

1. The minimum and maximum repayment period is 3 months and 60 months respectively.
2. The maximum annual percentage rate is 48%.
3. A representative example of total cost for a loan below is for reference only:
   Loan amount: HK$10,000
   Monthly installment of HK$1,815 for 6 months
   Interest rate: 2.5% per month
   Annual percentage rate: 30%
   Total repayment amount: HK$10,890

Brand new express loan experience from application to cash transfer at your fingertips

• Express loan service from application to cash transfer at your fingertips
• Click for cash* through FPS even on Sat & Sun

1st in HK1：
The 1st money lender1 to introduce instant ID verification covering New Smart ID Card, leading an innovative loan experience.

All in Mobile：
Express loan service from application, approval, cash transfer on mobile at your fingertips, with ID verification and facial recognition.

One Click for Cash*：
Round-the-clock cash transfer* through FPS even on Sat & Sun upon approval.

1 Comparing the main money lenders in HK.
*Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday to Sunday (9:00am-5:30pm) and except public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

Key Facts Statement for Installment Loan:

1. The minimum and maximum repayment period is 3 months and 60 months respectively.
2. The maximum annual percentage rate is 48%.
3. A representative example of total cost for a loan below is for reference only:
   Loan amount: HK$10,000
   Monthly installment of HK$1,815 for 6 months
   Interest rate: 2.5% per month
   Annual percentage rate: 30%
   Total repayment amount: HK$10,890

• Interest charged on daily basis#, no charge for unused credit line^
• Revolving credit limit upon repayment

Case 1:
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.

Case 2:
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.

Note:
`Instant electronic transfer service is not available during the system maintenance period (Monday to Sunday 9:00pm-12:00am, Sunday 12:00am-8:30am and 1:45pm-3:15pm) and subject to the limitation of individual bank’s service terms and conditions. The accumulated daily withdrawal amount is HK$50,000 or below (No limitation within the Company’s business hours).
#Interest is calculated from the day of payment instruction issued by the company.
^In accordance with the loan agreement, customers are obliged to pay the account annual fee.

• Minimize your interest expenses
• Flexible repayment terms
• Tailor-made interest rate

Case 1:
Michael is the senior management of a media company, earning a monthly income of HK$125,000. Money is not a big worry for his family. Unfortunately, he has been in the red after losing a great deal of money during the economic tsunami. His financial situation has been worsened as he has to repay HK$33,000 for two mortgage loans each month. This leaves him with no choice, but to use credit card and cash advance services to settle daily spending and other utility bills. In fact, the interest rate of credit card debts is alarmingly high and cash advance service requires extra handling fee. Michael has eventually accumulated a huge amount of debts, which is HK$1,890,000 in total. He can only afford the minimum payment every month. Facing this enormous financial burden, he seeks help from UAF through his friends. UA offers him a comprehensive financial plan to clear all credit card debts at once with our signature product, UA Debts Consolidation Loan, sharply reducing his interest expenses as high as 81%!

Case 2:
Miss Lam has a stable monthly income of HK$28,000 as a marketing professional, but she is a typical shopaholic and usually pays by credit card. Not for long, she has a troubled debts of HK$570,000 and can barely pay the 5% minimum payment amount. At this difficult moment, Miss Lam finds out from advertisements that UAF’s Debts Consolidation Loan can help her to repay all credit card debts at once, significantly reduce the interest expenses and offer her a flexible repayment tenor as a total solution. Therefore, she finally approaches UA and successfully gets a loan of HK$570,000 to repay all debts within half day. In addition, she is also offered an e-Cash Revolving Loan of HK$100,000 for her future use. As long as she does not drawdown any e-Cash Revolving Loan, no interest will be charged. With the help of UA, Miss Lam only needs to repay $15,010 per month, with a loan tenor of 48 months at an interest rate far below her credit cards, saving up to 81%.

Miss Lam shared, “Compared to the credit card burden, I am free from heavy debts and even able to save some pocket money for myself now!”

* The above cases are calculated based on the assumptions and are for reference only: 1) the credit card minimum monthly payment amount should be equivalent to 5% of the total account balance, 2) the credit card average monthly repayment amount for the first six months is calculated at an annual percentage rate (APR) of 36% and 3) the APR of UA Debts Consolidation Loan is assumed at 12%. The actual repayment tenors and saving of monthly repayment amount, varying from case to case, largely depends on the credit card monthly minimum payment amount and its interest rate.

Stephanie works in a telecommunication engineering company as Marketing Officer. Recently, she urgently needed HK$50,000 for settling the medical fee for her family. Her limited savings does not help on this incident. Stephanie had sought help from banks and financial companies but she was not able to visit branch for loan application as has to work overtime on Saturday afternoon and Sundays. Besides, she did not keep her income proof which was one of the loan application requirements. Worst of all, if Stephanie asks her employer for income proof directly, the employer may realize it was for loan application.

Last Sunday, on the way back to office, Stephanie saw the advertisement on the bus body. It was the UA “NO SHOW” Personal Loan, highlighting no need to show any proven document; just a phone call and can get what you want. She immediately called the hotline after back to office. Unexpectedly, she only needed to provide her personal information over the phone and replied through SMS for loan confirmation afterwards. The loan amount was then transferred to her designated bank account directly. She was not required to show up at any branches as well as providing any supporting documents, including the HK identity card. UA “NO SHOW” Personal Loan provides her the most convenient way to cope with her financial difficulties, unnecessary to show up, just a phone call can ease her difficulties.