Livi Bank review

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

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Our verdict

Livi Bank runs a revolving Flexi Loan in Hong Kong with a long repayment window and free early repayment, and it suits invited customers planning a large home project. Borrowing runs HKD 10,000 to HKD 1,000,000 over 3 to 60, with decisions and payouts the same day for members of the bank.

Key facts

Best for
Invited Livi Bank customers funding a large home improvement in Hong Kong.
Loan amount
HK$10,000 to HK$1,000,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Funding time
Approvals and disbursements in as quickly as 2 minutes, 24-hour online service (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
livi Flexi Loan "Personal Loan" is available for application by invitation only (Source, checked September 26, 2026)
Loan types
Personal, Credit-line (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Livi Bank Limited (Source, checked September 26, 2026)
Headquarters
Hong Kong (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
livibank.com

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedIninstagram.com

Pros and cons

Pros

  • A single revolving credit line you can draw and repay, so unused balance costs nothing
  • Free early repayment, so paying ahead trims the interest period
  • Same-day approvals and disbursements, plus an always-on online service
  • Support by email, chat and phone

Cons

  • Available by invitation only, so the product sits behind a gate
  • Use cases list home improvement only, so other purposes are not a natural fit
Livi Bank

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Invited Livi Bank customers with a home project in mind
  • Borrowers who want to draw part of a limit and repay early
  • Hong Kong residents who value same-day payouts

Who should look elsewhere

  • Anyone who has not been invited, since eligibility is by invitation
  • Borrowers outside Hong Kong
  • Readers wanting a fixed, disclosed fee line on the Flexi Loan

Who runs it

The lender is Livi Bank Limited, headquartered in Hong Kong, and it is a direct lender rather than a broker or marketplace, so the Flexi Loan is its own product. Customers hold a line they draw against, and can repay ahead with no charge for early settlement. Support runs on email, chat and phone, and approvals and disbursements can complete the same day.

How Livi Bank compares

Where Livi Bank is available

Available
Hong Kong

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

Frequently asked questions

What is the Flexi Loan?+

It is a revolving credit line rather than a single lump sum. You borrow against the limit, repay and the limit becomes available again, so the cost follows what you actually draw. The product covers personal and credit line, which includes a credit line.

How much can I borrow?+

Borrowing runs HKD 10,000 to HKD 1,000,000, which is a wide spread for one personal credit line. Home improvement is the listed use case, so the ceiling suits renovation work rather than everyday spending. The line is flexible, and you need not take the full amount.

How long do I have to repay?+

Repayment runs over 3 to 60, giving room for a large balance to clear at a steady pace. Because it is a revolving line, the clock restarts each time you draw and repay. Terms are set on your arrangement with the bank.

Can I repay early without a charge?+

Yes, free early repayment is offered, so settling ahead is not penalised. That makes it practical to clear the balance early if project costs come in lower than planned. You still pay interest for the period the balance was outstanding.

Who can apply?+

The Flexi Loan is available by invitation only, so you need to have been invited by the bank. That limits who can open and draw on the line. Customers of the bank also get the always-on online service.

How quickly do I get the money?+

Approvals and disbursements can happen the same day, with an always-on online service behind them. Same-day funding is one of the listed features, which matters when a contractor needs payment quickly. Speed still depends on your application being complete.

How do I get help?+

Support runs on email, chat and phone, so you can reach the bank by chat or phone, or send an email and use the help centre. That mix suits questions about the revolving limit and outstanding balance. Help is available beyond normal banking hours.

Is it a bank or a broker?+

It is a direct lender, meaning the Flexi Loan is the bank's own product rather than a match with third parties. The lending entity is Livi Bank Limited, based in Hong Kong. The single market means terms sit with one provider.

Sources

  • livibank.com checked September 26, 2026

    Backs: Legal entity

    “(c) Livi Bank Limited. All Rights Reserved.”

  • livibank.com/features/flexiloan.html checked September 26, 2026

    Backs: Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Term, Use cases

    “livi Flexi Loan "Personal Loan" is available for application by invitation only.”

  • livibank.com/features/flexiloan/Flexi-Loan-Calculator checked September 26, 2026

    Backs: Loan amount

    “Loan amount must be in between HKD10,000 and HKD1,000,000”

  • livibank.com/help/faqs.html checked September 26, 2026

    Backs: Headquarters, Support channels

    “Our mailing address and office: 28/F, Oxford House, Taikoo Place, 979 King's Road, Quarry Bay, Hong Kong.”

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

Not confirmed yet: APR, Arrangement fee, Credit check, Representative example.

Livi Bank

Livi Bank

Invited Livi Bank customers funding a large home improvement in Hong Kong.

9.2/10See alternatives

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