United Asia Finance review

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

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Our verdict

United Asia Finance suits Hong Kong borrowers who want a licensed direct lender with fixed rate instalment loans, a revolving credit line and money sent the same day. Its rates of 1.1% to 48% sit well under the site median of 12%, and the hard credit check needs good credit.

Key facts

Best for
Hong Kong residents with a good credit record who want a fixed rate instalment loan with same day funding.
APR
1.1% to 48% (Source, checked September 26, 2026)
Loan amount
HK$1,500,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Instant approval and cash transferred by FPS on online application (Source, checked September 26, 2026)
Representative example
Loan amount HK$10,000, monthly installment of HK$1,672 for 6 months, interest rate 0.092% per month, APR 1.1%, total repayment HK$10,032 (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 resident aged over 18, currently employed or self-employed (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line, Secured, Business, Student (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
United Asia Finance Limited (Source, checked September 26, 2026)
Headquarters
Hong Kong (Source, checked September 26, 2026)
Founded
1993 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
uafinance.com

Pros and cons

Pros

  • Rates of 1.1% to 48% sit well below the site median of 12% for personal loans.
  • Money moves the same day, with approval and an FPS transfer on an online application.
  • A revolving credit line sits alongside the instalment loan in the same day funding and credit line range.
  • Loan amounts reach HKD 1,500,000, far above the site median of €876.96.
  • Lends directly as a direct lender, with no intermediary between you and the money.

Cons

  • The credit check is hard, so a thin credit file can stop an application.
  • Terms of 3 to 60 are shorter than the personal loan median of 48.
  • The top of the rate range is far above the site median of 12%, so the cheapest rate is not the one everyone pays.
  • Support runs on phone, chat and help centre only, with no email listed for written questions.
United Asia Finance

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Scored 9.4 / 10 by BorrowCue.

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Who it suits

  • Hong Kong residents who are adults and in work, either employed or self-employed.
  • Borrowers with a good credit record who want a fixed rate so payments do not move.
  • Anyone who needs the cash in the account the same day the application is approved.

Who should look elsewhere

  • Monzo Flex, if you want a named UK lender and do not lend in Hong Kong.
  • Cashspace ES, whose listed rate is 0%, if you need a different market entirely.
  • Cashspace, whose listed rates of PHP 12 to PHP 36 apply to a different currency and market.

Rates and costs

Interest rates run 1.1% to 48% and the rate type is fixed, so the cost of the loan does not drift while you hold it. The model is a fixed rate instalment loan. The representative example takes a loan amount with a monthly instalment, a monthly interest rate, an APR at the bottom of the published range and a total repayment slightly above the amount borrowed, which shows how quickly interest adds up on a short term. For context, the site median APR is 12% and the middle of the market sits between 6.13% and 24.92%. The bottom of this range is well under that band, while the top of the range sits well above it, so the rate you are offered matters more here than at most lenders. The same-day funding listed for the loan means the cost is not paid for in speed.

Regulation

The lender holds a licence under the Money Lenders Ordinance (Hong Kong), licence number 843/2026. It is a direct lender, which means the money comes straight from the company that lends it rather than from a panel of third parties. That structure keeps the agreement with one counterparty and keeps the rate quoted on the same page the rate you are offered. The Money Lenders Ordinance is the framework named in the licence, and it applies in Hong Kong, which is where this lender is based.

Safety and regulation

Your first check is the representative example, and it is worth reading closely: a loan amount with a monthly instalment, a monthly interest rate, an APR at the bottom of the published rate range and a total repayment just above the amount borrowed. The lending side is straightforward to verify. The company is a direct lender under the Money Lenders Ordinance (Hong Kong), licence number 843/2026, so the money and the licence sit with the same named entity. Both the representative example and the licence point to a single counterparty you can hold to account for the terms shown.

Applying and getting the money

Funding time is the strongest part of the offer. Approval is instant on an online application and the cash is transferred by FPS, so the money lands in your account the same day rather than in a queue. You apply online, and the transfer follows approval without a further waiting period stated. Loan amounts reach HKD 1,500,000, which is well above the site median of €876.96, and terms run 3 to 60. For a reader who needs cash in hand on a fixed date rather than soon, that combination is the reason to look here.

Who runs it

The lender is United Asia Finance Limited, headquartered in Hong Kong and founded in 1993, so it has been lending for a period of decades rather than months. It lends under the Money Buyers Ordinance, licence number 843/2026 in Hong Kong. Support runs on phone, chat and help centre, which covers a phone line, live chat and a help centre, so help is available without an appointment when a payment date needs explaining.

How United Asia Finance compares

Where United Asia Finance is available

Available
Hong Kong
Licence in Hong Kong
Money Lenders Ordinance (Hong Kong) (843/2026), checked September 26, 2026

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

Frequently asked questions

What interest rate does United Asia Finance charge on an instalment loan?+

Interest rates run 1.1% to 48% on a fixed rate basis, so the rate you are given does not move while the loan is open. The fixed rate model means your instalment stays predictable across the term. For context, the site median APR is 12%.

Is the rate the same for everyone who applies?+

The range spans 1.1% to 48%, so the rate depends on your own profile and how the lender assesses it. The bottom of the range is well under the site median of 12%, while the top sits well above it. Ask for the figure in writing before you commit to a term.

How long does it take to get the money?+

Approval is instant on an online application and the cash is transferred by FPS, which means the money reaches your account the same day. No longer waiting period is stated between approval and transfer. Support is on phone, chat and help centre if the payment does not show.

How much can I borrow and over what term?+

Loan amounts reach HKD 1,500,000 and terms run 3 to 60, giving room for both a short instalment loan and a longer repayment. The top amount is far above the site median of €876.96. The range of terms is shorter than the personal loan median of 48.

Who is eligible to apply?+

You need to be a Hong Kong resident of adult age, currently employed or self-employed, so the offer is aimed at people with an active income. A good credit record is the level the lender works to, and the credit check is hard. Applicants without stable income or with a thin credit file face a harder route.

What kind of credit check will be run?+

The credit check is hard, meaning a full check is run as part of the decision rather than a soft prequalification. That means the lender sees the file itself, and the check counts against the credit file. Only 20.4% of lenders on the site use a soft prequalification instead.

Is the lender regulated and who holds the money?+

It is a direct lender licensed under the Money Lenders Ordinance (Hong Kong), licence number 843/2026. Because it lends directly, the agreement is with the named entity rather than a panel. direct lender lenders are 72.1% of the brands listed on the site.

Does the lender offer a revolving credit line as well as a loan?+

Yes, a credit line appears in the same day funding and credit line range alongside same-day funding, so you can hold a revolving facility as well as a fixed instalment loan. A revolving line suits irregular costs, while the fixed rate instalment loan suits a known monthly amount. Only 34.4% of the brands listed offer a credit line.

How do I get help with my account?+

Support runs on phone, chat and help centre, which covers a phone line, live chat and a help centre. Help is available during business hours through any of those routes. For written record keeping on a term or a repayment date, the help centre is the channel listed for that purpose.

How long has the company been lending?+

The lender is United Asia Finance Limited, headquartered in Hong Kong and founded in 1993. That is a lending record measured in decades within a single market. The licence under the Money Lenders Ordinance (Hong Kong), number 843/2026, is what governs how it lends today.

Sources

  • uaf.com.hk/en/about-us/company-overview checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “UA has been rooted in Hong Kong for decades since its establishment in 1993”

  • uaf.com.hk/en/faq-personal-instalment-loan checked September 26, 2026

    Backs: Credit check, Eligibility, Pricing model, Rate type

    “In general, UA will check on the customer's credit report which will serve as part of the assessment for loan application.”

  • uaf.com.hk/en/loans checked September 26, 2026

    Backs: Features, Loan types, Use cases

    “e-Cash Revolving Loan: apply once and enjoy unlimited usage of the approved credit line, round the clock instant cash transfer service”

  • uaf.com.hk/en/loans/imoney-loan checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Funding time, Lender type, Representative example, Support channels, Term, Licences

    “i-Money Internet Personal Loan ... large loan amount up to $1,500,000 for flexible cash out”

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

Not confirmed yet: Arrangement fee.

United Asia Finance

United Asia Finance

Hong Kong residents with a good credit record who want a fixed rate instalment loan with same day funding.

9.4/10See alternatives

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