Personal Loan with Stellar Privileges
Faster Borrowing at Lower Cost
Seize your dream and shine like a star. At Airstar Bank, we know what speed and interest rates mean to you. So
we have revamped traditional loan approval procedures through technology, and the entire process from loan
application to disbursement can be completed as fast as five minutes 1. Personalized Stellar APR2;
a total loan amount up to 12 times of your monthly salary
3; no requirement on income proof and address proof 1, and a 60-day interest and repayment
free period 4, for unparalleled efficiency and flexibility.
Click here for Airstar Personal Instalment Loan Key Facts
Statement
Personalized stellar APR 2
24 x 7 from loan application to
disbursement as fast as 5 minutes 1
Total loan amount up to 12 times of
monthly salary 3
No income proof and address proof
required by applying big data analysis 1
60 days interest and repayment free 4
No handling fee for early repayment, administration fee for loan application 5
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Remarks:
- According to different circumstances, the Bank reserves the right to request customers to provide additional supporting documents for approval. The approval time required is subject to actual situation.
-
Annualized Percentage Rate ("APR") is calculated in accordance with the method set out in the relevant
guidelines referred to in the Code of Banking Practice and rounded up or down to the nearest two decimal
places. APR is a reference rate which includes the basic interest rate and other fees and charges (if
applicable) expressed as an annualized rate. The APR ranges from 7.43% to 35.05% with repayment period of 6
to 60 months. The example below is for illustrative purpose only. For a loan amount of HKD800,000 with 12
months repayment period with the APR being 7.43%, the total loan repayment amount is HKD831,497.86 (handling
fee waived). Please refer to
"Airstar Personal Instalment Loan Terms and Conditions"
for details. This example and
the resulting calculations do not constitute a quote or offer from the Bank and is not binding on the Bank.
Approval of the APR is subject to the final decision of the Bank.
The offer is subject to limited quota. In case of any dispute, the Bank reserves the right of final decision. The Bank reserves the right to change details (including terms and conditions) under the "Personal Instalment Loan" or to suspend or terminate the "Personal Instalment Loan" at any time in its absolute discretion without prior notice. - Loan amount up to 12x of monthly salary or HKD1,000,000 (whichever is lower).
- From now till 31 December 2024 (both dates inclusive), eligible customers (mean those (1) draw down a Personal Loan with a loan amount not exceeding HKD50,000 and (2) enrol for "60 Days Interest and Repayment Free Promotion" on "Final Approval Result" page) are not required to make repayment in the first 60 days after loan drawdown. If eligible customers early settle the entire loan before the first due date, the customer is not required to pay any interest and can settle the entire loan by only repaying the loan principal. Example: Draw down on 1 January 2024, first due date will be on 2 March 2024; Draw down on 31 January 2024, first due date will be on 1 April 2024. For more details, please refer to "60 days Interest and Repayment Free Promotion Terms and Conditions".
- For details and the interest of early repayment please refer to "Airstar Personal Instalment Loan Key Facts Statement" .
- The Bank reserves the right of final approval.
Debt Consolidation Loan
Slash Monthly Repayment
In order to reach your potential and shine like a star, it is essential to make good use of what you earn
every month. However, accumulated loans and credit card debts may lead to the ballooning of your expenses just
to cover interest payments. Airstar Bank can help ease your burden by consolidating your credit card debts.
Thanks to advanced technologies, we can instantly analyse your finances and assess your capacity in order to
work out the most comfortable repayment schedule that saves you interest at the same time.
Click here for Airstar Personal Instalment Loan Key
Facts Statement.
• Advise the best settlement plan by intelligent analysis
• Save you unnecessary expenses with total interest expenses saved up to 72%1
• Ease your burden by saving repayment amount per instalment up to HKD5,0001
• Total loan amount up to 21 times of monthly salary, you can also choose to cash out part of the loan amount up to 12 times of monthly salary2
• No handling fee for early repayment, administration fee for loan application3
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Remarks:
- Interest saving example is based on an assumption that the total outstanding amount is credit card outstanding balance HKD200,000, with an annual interest rate of 30%, and monthly minimum repayment of 5% of the outstanding balance or HKD50 (whichever is higher). The annualized percentage rate ("APR") is 34.49%. Monthly repayment amount is HKD8,952 and total interest expenses is HKD209,404. For Airstar Bank Debt Consolidation Loan with assumption that annual interest rate 9.01% and repayment tenor of 72 instalments, APR is 9.39%. Repayment amount per instalment is HKD3,606 and total interest expenses is HKD59,639. The average repayment amount per instalment and total interest expenses of above examples are rounded to nearest dollar. The above examples are for reference only.
- Loan amount of Debt Consolidation Loan up to 21 times of monthly salary or HKD2,000,000 (whichever is lower), including the extra cash amount up to 12 times of monthly salary. The cash amount will be transferred to your account and its use is not restricted to the repayment of the outstanding balance of any credit card or personal loans.
- For details and the interest of early repayment please refer to "Airstar Personal Instalment Loan Key Facts Statement" .
- The Bank reserves the right of final approval.