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. Other features include a stellar APR as low as 1.58% 2; 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. Invite your friends to experience our extraordinary loan service and both of you will be rewarded with cash incentives 5!

Click here for Airstar Personal Instalment Loan Key Facts Statement

Personal Loan Calculator

Stellar APR as low as 1.58% 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 6
Download Now

* The above is for reference only. Personal loan calculator is calculated by annual interest rate 2.95% (APR 2.99%). The instalment amount is rounded to nearest dollar.

Remarks:
  1. 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.
  2. 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 1.58% to 35.81% 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 1.58%, the total loan repayment amount is HKD806,819.66 (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.
  3. Loan amount up to 12x of monthly salary or HKD1,000,000 (whichever is lower).
  4. From now till 31 December 2023 (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 March 2023, first due date will be on 2 May 2023; Draw down on 31 March 2023, first due date will be on 1 June 2023. For more details, please refer to "60 days Interest and Repayment Free Promotion Terms and Conditions".
  5. From now till 31 December 2023, by inviting your friends to apply and successfully drawdown a loan with a minimum of HKD50,000 and 12 instalments or above, both referrer and referee will be entitled to HKD400 cash reward respectively. For more details, please refer to "Member-Get-Member Promotion Offer Terms and Conditions (Personal Loan)".
  6. For details and the interest of early repayment please refer to "Airstar Personal Instalment Loan Key Facts Statement".
  7. 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. From now to 31 December 2023, successfully apply and drawdown a designated Debt Consolidation Loan 1 to enjoy an up to HKD16,800 cash rebate. Grasp opportunity and enjoy the privilege!

Click here for Airstar Personal Instalment Loan Key Facts Statement.

Find out how much you can save

Up to HKD16,800 cash rebate 1
Advise the best settlement plan
by intelligent analysis
Save you unnecessary expenses
with total interest expenses saved
up to 91% 2
Ease your burden by saving repayment
amount per instalment up to HKD6,000 2
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 salary 3
No handling fee for early repayment, administration fee for loan application 4
Download & Apply Now

* The above is for reference only. Please refer to Clause 5 of the Remarks for details. The actual saving of interest expenses and instalment amount are subject to the actual interest rate charged by each credit card company and the final approved interest rate of Airstar Bank debt consolidation loan.

Remarks:
  1. The promotion period is from now to 31 December 2023, both dates inclusive. Applicant is entitled to up to HKD16,800 cash rebate upon successfully apply and draw down a Debt Consolidation Loan of HKD200,000 or above with 24 instalment or above within the Promotion Period and drawdown by 31 January 2024. For more details, please refer to "Debt Consolidation Loan Promotion Offer Terms and Conditions".
  2. 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 2.95% and repayment tenor of 72 instalments, APR is 2.99%. Repayment amount per instalment is HKD3,034 and total interest expenses is HKD18,467. 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.
  3. 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.
  4. For details and the interest of early repayment please refer to "Airstar Personal Instalment Loan Key Facts Statement".
  5. The above "Credit Card Min Pay" example is based on an assumption that the total outstanding amount is credit card outstanding balance, with an annual interest rate of 30%, and monthly minimum repayment of 5% of the outstanding balance or HKD50 (whichever is higher). The average monthly instalment amount is calculated by the first 12 repayments. The annualized percentage rate ("APR") is 34.49%. The total interest expenses are rounded to nearest dollar. The above "Airstar Bank" example is calculated by Airstar Bank Debt Consolidation Loan annual interest rate 2.95% and repayment tenor of 72 instalments (APR 2.99%)。The average monthly instalment amount and total interest expenses are rounded to nearest dollar. 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.
  6. The Bank reserves the right of final approval.

3 - Step to Apply

Click here to download
Airstar Bank's Mobile App
Tap "Loan" on the homepage
Choose a loan product to apply and it can be done in 5 mins.*
* it refers to the fastest completion time from loan application to disbursement.

To borrow or not to borrow? Borrow only if you can repay!
Airstar Personal Instalment Loan Terms and Conditions
(Applicable to customers who apply loans on or before 24 September 2021)
Airstar Personal Instalment Loan Terms and Conditions
(Application to customers who apply loans between 25 September 2021 to 20 May 2022)
Airstar Personal Instalment Loan Terms and Conditions
(Application to customers who apply loans on or after 21 May 2022)
Airstar Personal Instalment Loan Key Facts Statement