FAQ

All

General

Loan application

Approval and Drawdown

Repayment

All

All

General

You can apply for a loan as long as you are at least 18 years old, a Hong Kong Permanent Resident with monthly income of HK$8,000 or above.

The loan approval process will fully analyze your current financial situation, including monthly income stability, repayment history, credit score and other information. We will make further assessments according to individual specific circumstances, even exempting one specific requirement.

Our personal loan service is an unsecured loan. No guarantor or collateral is required to apply for a loan. You only need to provide proof of identity, address proof, bank records and income proof.

After the customer submits the documents, the loan can be approved within a day.

Funki Finance offers flexible repayment period, from 6 months up to 96 months.

We accept Direct Debit Authorization, FPS, Cheque and Cash as repayment method.

Loan application

Guests can choose to apply via telephone, fax, online or in person to our company, which is simple, convenient and fast.

Step 1: Apply by phone, fax, online or in person, Step 2: Loan approval, Step 3: Notification of approval results, Step 4: Sign the loan contract and obtain the loan

You must submit the following documents during the application process - Hong Kong permanent identity card, Bank records in the last three months, Proof of residential address within the last three months,

Regardless of whether the loan application is successful or not, Funki does not charge any application fees, guarantor fees, photocopy fees, introductory fees or any fees related.

Approval and Drawdown

Generally, the application is submitted online during office hours, and the required documents are submitted. The approval result will be sent back to you via SMS and email within the shortest day of approval. The actual approval time varies depending on individual circumstances. If you submit your application and upload documents outside of office hours, we will process the application on the next working day.

If your loan application is successfully approved and signed online before 4 pm, we will transfer the loan to your bank account within the same working day. The cut-off time depends on each bank.

Generally not, but it depends on the policies of different banks.

Repayment

We only accept repayment by autopay. If you are unable to set up automatic transfer due to special reasons, you can choose bank transfer or check transfer, and you can call us for details.

We will set the repayment date according to the situation of different customers, and clearly set it in the loan agreement. Customers must ensure that there is sufficient balance in the autopay account. If the payment cannot be repaid on the set date, please contact us at 3955 7100 as soon as possible.

Generally speaking, once the repayment date is confirmed and signed, it cannot be changed. If you have special reasons, you can contact us at 3955 7100.

Yes, old customers can continue to enjoy our loan service. Therefore, regardless of whether you have paid off the loan or not, we welcome you to apply again and work with you to resolve financial arrangements

There is no handling fee or penalty interest for early repayment.

If you encounter difficulties in repaying the loan, you should contact us as soon as possible to discuss the best solution. "

If you fail to repay the loan as scheduled, the interest on the loan will increase. In addition, your repayment history will also be reflected in the Union Credit Report, which directly affects your credit rating.