• Fast Loan Approval

    Applying for a loan is quick and simple, giving you the flexibility to manage urgent financial needs with ease.

  • Instant Cash Upon Approval

    Get immediate access to cash once your loan is approved. Perfect for urgent needs such as repaying credit card balances, covering unexpected medical expenses, or handling everyday living costs.

  • Loan Amount Up to HK$800,000

    Finance bigger goals with confidence. Whether it’s home renovations, travel plans, or other major projects, enjoy loan amount up to HK$800,000 to support your ambitions and long-term financial management.
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Successful Case

Successful Case
Mr. Lam
48 years old, Retail Jewellery Consultant
  • Loan Amount: HK$95,000
  • APR: 5.19%
  • Total Repayment: HK$2,169 × 48 months

Mr. Lam earns around HK$19,000 monthly with stable living expenses. When his family faced a sudden health crisis, he urgently needed HK$90,000 to cover medical bills.

He spotted an online advertisement for Public Finance's "Instant Cash Personal Loan", offering speedy approvals, instant cash access up to HK$800,000—perfect for his emergency.

With stable employment and a solid credit record, Mr. Lam's application was swiftly approved for HK$95,000, resolving his immediate needs.

Mr. Lam shared that the process was seamless from application to receiving the funds, allowing him to focus on his family's care without delay.

Successful Case
Ms. Chan
38 years old, Insurance Agent
  • Loan Amount: HK$300,000
  • APR: 4.73%
  • Total Repayment: HK$6,790 × 48 months

Ms. Chan currently earns around HK$110,000 per month and lives with her husband in a rented flat. Recently, their landlord decided not to renew the lease, leaving her with little time to find a new home and handle renovation and furnishing expenses. To avoid affecting her daily cash flow, she decided to apply for a loan of approximately HK$300,000 to cover relocation and renovation costs.

Through a friend’s recommendation, Ms. Chan learned about Public Finance’s “Instant Cash Personal Loan”, a plan known for its speedy approval process and instant fund disbursement upon approval — ideal for handling sudden financial needs.

Given her stable income and excellent credit record, Ms. Chan met all the application criteria and her loan was quickly approved, allowing her to successfully obtain a HK$300,000 loan.

Ms. Chan said that the approval process was very quick and the funds were released on the same day, allowing her to organise her new home’s renovation and moving arrangements with peace of mind. The interest rate was even better than she had expected, effectively easing her financial burden.

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The cases above are adapted from real-life examples. Actual loan application and/or approval outcomes will vary by individual circumstances.

Application Procedures Key Facts Statement for Instalment Loan

If you have steady monthly income in Hong Kong, you may apply for our Personal Loan through:

or

Bring along the following documentation proofs when you apply at any of our branches:

  • Hong Kong Identity Card
  • Employment / Income proof
  • Residential proof
If you cannot apply during office hours, Public Finance has extended the business hours of selected branches to 7:00 p.m. (Mon - Fri) and to 1:00 p.m. (Sat) for your convenience. For details, please visit our "Branch Network".
  • 1

    The minimum and maximum repayment period is 6 months and 84 months respectively. Repayment tenor over 60 months is applicable for the loan purpose of debt consolidation.

  • 2

    The Annualised Percentage Rate (“APR”) ranged from 3.57% to 36.00%. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. APR is calculated according to the method set out in the Code of Banking Practice.

  • 3

    All interest rate examples and information are for reference only. Final approval is subject to the individual circumstances of each personal loan applicant. Example:

    • Loan Amount:HK$12,000
    • Monthly Flat Rate:0.2%
    • APR:4.49%
    • Repayment Period:12 months
    • Monthly Instalment:HK$1,024 (0% handling fee)
    • Total Repayment:HK$12,288
    • Total Interest Expense:HK$288
Key Facts Statement Frequently Asked Questions

1 Promotion valid from today until 31 May 2026, inclusive. Eligible new customers must submit their application via our company website during this period and enter the promo code “PFL2026”. The first loan drawdown must be completed on or before 30 June 2026, inclusive. The Company reserves the right to terminate or amend the offer at any time without prior notice. Public Finance Limited reserves the right of final decision on all loan applications and/or approval results. In case of any dispute, the Company's decision is final. Public Finance Instant Cash Personal Loan is only applicable to customers who meet the Company’s established credit conditions. This promotional program is subject to Terms and Conditions. For details, please contact our staff at 2848 1888..