Fubon Credit review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Fubon Credit suits Hong Kong residents who want a fixed-rate instalment loan or to consolidate debt without sending income documents. Rates start low, with APR of 8.5% to 36% against a site median of 12%, and the application runs in the app within minutes.

Key facts

Best for
Hong Kong residents wanting a fixed-rate instalment or consolidation loan without income proof.
APR
8.5% to 36% (Source, checked September 26, 2026)
Loan amount
HK$1,000,000 (Source, checked September 26, 2026)
Term
6 to 60 months (Source, checked September 26, 2026)
Funding time
Application, contract confirmation and fund transfer completed in the app in about 2 minutes (Source, checked September 26, 2026)
Representative example
Loan Amount HK$100,000, monthly flat rate 0.40% (APR 8.50%), repayment period 6 months, monthly repayment HK$17,066.67, total repayment HK$102,400 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Hong Kong residents holding a HKID card; no income proof or full-time job required, HKID card and mobile phone only (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Legal entity
Fubon Credit (Hong Kong) Limited (Source, checked September 26, 2026)
Headquarters
Hong Kong (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
boni.fuboncredit.com.hk

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • APR of 8.5% to 36% sits below the site median of 12%
  • Borrow up to HKD 1,000,000 over terms of 6 to 60
  • No income proof or full-time job needed, an HKID card and a mobile phone only

Cons

  • Total repayment on the representative example sits above the amount borrowed, because a flat charge is added to principal
  • Support runs on email, phone and help centre only, with no branch or in-person help
Fubon Credit

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Hong Kong residents with an identity card who need a larger instalment than a payday product allows
  • Borrowers consolidating several existing debts into one fixed-rate repayment
  • Self-employed and gig workers with no payslips to submit

Who should look elsewhere

  • Borrowers outside Hong Kong, since eligibility rests on holding a Hong Kong ID card
  • Monzo Flex, if you need an interest-free credit line rather than a fixed-rate instalment
  • Cashspace, if you want a longer repayment window in a different market

How your money is protected

Fubon Credit (Hong Kong) Limited is a direct lender rather than a broker, so the agreement, the rate and the money all come from the same company. It is regulated by the Hong Kong Monetary Authority. The representative example shows a fixed monthly flat rate added to the amount borrowed, so the monthly figure is set when the contract is confirmed in the app.

How Fubon Credit compares

Where Fubon Credit is available

Available
Hong Kong
Licence in Hong Kong
Hong Kong Monetary Authority (HKMA), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a Fubon Credit loan?+

Rates are fixed once the contract is confirmed, so repayments do not move with the market. The published APR runs 8.5% to 36%, and the representative example works through a monthly flat rate, listing the monthly repayment and the total repaid on a sample loan.

How much can I borrow?+

Personal instalment loans and debt consolidation both run to HKD 1,000,000 in Hong Kong dollars. Repayment terms run 6 to 60, so a large balance can be spread over a longer window when the monthly figure suits your budget.

Do I need to show my income?+

No income proof and no full-time job are required. Eligibility rests on being a Hong Kong resident who holds an HKID card, and you need only that card and a mobile phone to apply and sign the contract in the app.

How fast is the money?+

Application, contract confirmation and the fund transfer are all completed inside the app, and the contract is confirmed there too, so a phone is enough to move from application to money in the account.

Is Fubon Credit regulated?+

Yes. Fubon Credit (Hong Kong) Limited is regulated by the Hong Kong Monetary Authority, the body that supervises money lenders in the city. It lends as a direct lender rather than acting as a broker for someone else.

Can I use it to consolidate debt?+

Debt consolidation sits alongside personal instalments in the loan types offered. Rolling existing balances into a single fixed-rate agreement spreads them over a term of 6 to 60 and keeps the monthly figure predictable.

How do I get help if something goes wrong?+

Support runs on email, phone and help centre. That gives a help centre for self-service questions plus email and phone, and phone is the route for anything more involved once a loan is running and payments are due.

Sources

  • boni.fuboncredit.com.hk/en checked September 26, 2026

    Backs: Licences

  • boni.fuboncredit.com.hk/en/about-us checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type

    “the leading consumer lending digital platform in Hong Kong”

  • boni.fuboncredit.com.hk/en/faq checked September 26, 2026

    Backs: Support channels

    “Email Enquiry fc.enquiry.fbhk@fubon.com; 24-hour Customer Service Hotline (852) 3767 6668”

  • boni.fuboncredit.com.hk/en/personal-instalment-loans checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Funding time, Loan types, Rate type, Representative example, Term

    “Personal Instalment Loans: Borrow up to HK$1,000,000 or 12 times your monthly salary, with a flexible repayment period of up to 60 months”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check.

Fubon Credit

Fubon Credit

Hong Kong residents wanting a fixed-rate instalment or consolidation loan without income proof.

9.2/10See alternatives

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