Balance Transfer Loan | Low Rate丨Funki Finance

Important notice: Recently, there have been fraudsters impersonating Funki Finance's staff using phone calls, text messages or instant messaging platform (such as WhatsApp), defrauding customers of their personal information and claiming that it's for loan application or asking customers repay to third parties' individual bank accounts.

Funki Finance declared that Funki Finance does not have any connections with the relevant rights violations and fraudulent activities. The fraudulent cases have been reported to the police for investigation. Funki Finance reminds customers not to disclose any personal information or make any payments to suspicious persons. Our company's staff will not ask customers to transfer funds to individual private bank accounts. If you have any doubts regarding the identity of the caller or contact party, please use the 'Funki Telephone Directory Service' to verify the number or call our CS hotline (852) 3955 7100 for enquiry.

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Balance Transfer

Pay Off High-Interest Debts In One Go - Enjoying Additional Cash

Quick Repayment Service

Pay off high -interest debts swiftly

Improve Your Credit Score

Effectively enhance your credit score

Flexilble Repayment Option

A variety of repayments plans available

Funki's Debt Consolidation Loan helps customers significantly reduce interest expenses and settle high-rate debts while avoiding the negative impact on credit records caused by late payments or minimum-only repayments. Our Balance Transfer Plan allows you to consolidate multiple debts into one streamlined repayment, making money management simpler and helping to improve your credit score. We also offer flexible repayment options to support your future financial needs with greater ease and confidence.

Debt Consolidation Loan to

Enhance Your TU Credit Rating

Debt Consolidation Loan to

Enhance Your TU Credit Rating

Credit cards typically carry annual interest rates exceeding 30%. Continuously making only the minimum payment causes interest to compound over time, leading to a substantial increase in both overall debt and total interest expenses. Prolonged exposure to high-interest debt may place pressure on your TU credit rating, potentially affecting the terms of future credit facilities such as mortgages or personal loans — including approval outcomes, credit limits, and applicable interest rates.

Funki's Debt Consolidation Loan allows you to settle your credit card balances in a single payment, preventing further interest accrual. By maintaining a stable repayment record through regular and punctual installments, you can progressively improve your repayment history and debt composition. This structured approach contributes to a healthier TU credit rating while also reducing long-term interest costs and strengthening your overall financial profile.

Comprehensive Balance Transfer for Streamlined Debt Management

Funki's Balance Transfer Program is specifically designed for individuals seeking to consolidate multiple credit card or loan obligations into a single, manageable repayment plan. By using one consolidated loan to clear multiple high-interest debts, the program simplifies repayment management and enhances financial clarity. You will only need to make fixed monthly repayments with clearly defined due dates and amounts, enabling greater transparency and control over your finances.With consistent and timely repayments, this program supports the gradual optimization of your debt structure and credit standing, helping you build a stronger financial foundation for future mortgage applications or large-scale financing needs.

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Loan Amount

HK$

HK$5,000

HK$200,000

HK$500,000

HK$1,500,000

Repayment Period

Month

6Mth

24Mth

48Mth

108Mth

1. The loan amount should be between $5,000-$1,500,000.
2. Customers can freely choose the payment period from the shortest
6 months to the longest 108 months.

Monthly Repayment :

HK$22,583

Customer Success Cases

Hassle-free business turnover experience: Mr. Yip has been running an electronics factory in Mainlan ...

Mr. Yip - Electronics Factory Owner

Approved Loan Amount：$1,500,000

Mr. Cheng, 40 years old, clerk, monthly salary $24,000, requires $350,000. Mr. Cheng's monthly incom ...

Mr. Cheng - Clerk

Approved Loan Amount：$350,000

Large Amount Owner Loan, helping you with flexible cash flow! The newlyweds, Mr. and Mrs. Wong, boug ...

Ms Wong - Property Owner Approved Loan

Approved Loan Amount：$2,000,000

Although Tom is a professional with stable and rental income, the latest unexpected mortgage and med ...

Tom - Professional

Approved Loan Amount：$150,000

FAQs

A balance transfer allows you to combine multiple high-interest credit card or loan balances into one loan. With Funki's Balance Transfer Plan, you can repay all outstanding debts in a single installment, lower your interest expenses, and ease repayment pressure.

The loan balance is the total principal amount you still owe. When applying for a balance transfer, lenders review your total loan balance to set the approved amount. Consolidating all high-interest debts into one lower-rate loan helps you manage repayments more efficiently and pay off debts faster.

In Hong Kong, credit records are kept for about five years. By applying for a balance transfer and repaying on time, you can gradually rebuild your credit rating and maintain a stronger financial standing.

Interest rates may vary depending on the customer's financial position and repayment record. The maximum annual percentage rate (APR) is 47.90%. The repayment period is typically from a minimum of 6 months to a maximum of 108 months. Funki Finance Limited reserves its absolute right on the final loan decision. Using a loan amount of HK$1,500,000 as an example, with repayment period of 12 months and APR of 5.8%, the monthly repayment amount is HK$128,900, the total repayment amount is HK$1,546,800, and the total interest paid is HK$46,800, excluding any fees.

*Funki Finance Limited reserves its absolute right on any loan approval decision and any disputes.

*Offers subject to relevant terms and conditions.

*Required to provide ID proof & all necessary documents

1. What is a balance transfer？

2. What is a loan balance?

3. How long do negative credit records remain?