CreFIT: Loan, Credit, Cashback
100K+
Downloads
Mature 17+
info
About this app
From now until March 31, 2026, new customers who successfully draw down the specified loan amount of CreFIT Cash Loan with a loan term of 12 months or more may enjoy a cashback of up to HK$20,000!
Get rewarded while solving your financial needs — simple application, instant rewards!
*Offer subject to terms and conditions
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TIME-LIMITED OFFERS
Referral Scheme
• Refer friends and easily earn up to HK$3,888 cash reward. Earn up to HK$2,688 for each successful referral*
CreFIT Mobile Cash x MyLink Rewards
• Enjoy a 12% interest rebate and an activation reward equivalent to HK$100 MyLink points for every successful loan application through MyLink App and identity verification on CreFIT. Offer valid until December 31, 2025*
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FEATURES OF THE CreFIT APP
• Moni Bill - Smart Bill Management
Consolidate all your bills (credit card) in one app. Receive reminders for due dates, track expenses with automatic analysis, and get alerts for unusual charges—all free of charge. Stay in control of every payment and safeguard your financial health with easy and simple steps!
FEATURES OF CreFIT CASH LOAN
• Special loan program for civil servants, professionals, and selected customers
Eligible applicants may enjoy a low interest rate plan with APR as low as 1.38%, designed for maximum flexibility at minimal cost. Limited quota available.
• New customer cashback offer available
Cashback amount is based on the approved loan amount. More you borrow, more you earn!
• Incognito mode Quotation. No income proof required. Fully automated quotation with no impact on credit rating#.
• Approval Pledge. Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns.
• Fully Automated. Intelligent systems deliver quick approvals.
• Flexible Repayment. Choose repayment periods between 6 to 48 months.
• No Extra Fee. No hidden fees. Get fair and transparent pricing with fully automated calculations.
FEATURES OF CreFIT ClearCard Credit
• All done via mobile: Complete digital handling from application to cash transfer, available 24/7.
• Ultra-Fast approval: Resolve credit card debts in just 3 minutes.
• Credit Score Protection: No credit report checks. No impact on your credit rating.
• Availability: Accepted by 17 major card issuers like HSBC, BOCHK, Hang Seng, and more. For details, please refer to the website.
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LOAN REPAYMENT INFORMATION
• The minimum repayment period is 3 months, and the maximum is 48 months.
• The actual APR generally does not exceed 36%.
• A brief description of loan-related fees is as follows, for reference only:
Loan amount: HK$200,000
Interest rate: monthly flat rate 0.343%
Effective annual interest rate: 8%
Repayment period: 24 months
Total interest = Loan amount x Monthly flat rate x Repayment periods
HK$200,000 x 0.343% x 24 = HK$16,464
Total payment amount = Loan amount + Total interest
HK$200,000 + HK$16,464 = HK$216,464
Monthly repayment amount: (Loan amount + Total interest) / Repayment periods
HK($200,000 + $16,464) / 24 = HK$9,019.33
• The loan amount and interest rate are subject to individual circumstances and final approval results
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Warning: You have to repay your loans. Don't pay any intermediaries
Inquiries and complaints Hotline: 6369 2338
Money Lender's License Number: 0819/2025
VCREDIT Finance Limited
#No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that.
^ From your consent accessing the credit report to the approval result. Applicable to qualified customers only. For details, please refer to the website.
• *Offers subject to relevant terms and conditions
• *VCREDIT Finance Limited reserves its absolute right on any loan approval decision, offer, and any disputes
Address: Room 1101, 11/F, Tower 1, Admiralty Centre, No. 18 Harcourt Road, Hong Kong
Get rewarded while solving your financial needs — simple application, instant rewards!
*Offer subject to terms and conditions
==============
TIME-LIMITED OFFERS
Referral Scheme
• Refer friends and easily earn up to HK$3,888 cash reward. Earn up to HK$2,688 for each successful referral*
CreFIT Mobile Cash x MyLink Rewards
• Enjoy a 12% interest rebate and an activation reward equivalent to HK$100 MyLink points for every successful loan application through MyLink App and identity verification on CreFIT. Offer valid until December 31, 2025*
==============
FEATURES OF THE CreFIT APP
• Moni Bill - Smart Bill Management
Consolidate all your bills (credit card) in one app. Receive reminders for due dates, track expenses with automatic analysis, and get alerts for unusual charges—all free of charge. Stay in control of every payment and safeguard your financial health with easy and simple steps!
FEATURES OF CreFIT CASH LOAN
• Special loan program for civil servants, professionals, and selected customers
Eligible applicants may enjoy a low interest rate plan with APR as low as 1.38%, designed for maximum flexibility at minimal cost. Limited quota available.
• New customer cashback offer available
Cashback amount is based on the approved loan amount. More you borrow, more you earn!
• Incognito mode Quotation. No income proof required. Fully automated quotation with no impact on credit rating#.
• Approval Pledge. Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns.
• Fully Automated. Intelligent systems deliver quick approvals.
• Flexible Repayment. Choose repayment periods between 6 to 48 months.
• No Extra Fee. No hidden fees. Get fair and transparent pricing with fully automated calculations.
FEATURES OF CreFIT ClearCard Credit
• All done via mobile: Complete digital handling from application to cash transfer, available 24/7.
• Ultra-Fast approval: Resolve credit card debts in just 3 minutes.
• Credit Score Protection: No credit report checks. No impact on your credit rating.
• Availability: Accepted by 17 major card issuers like HSBC, BOCHK, Hang Seng, and more. For details, please refer to the website.
==============
LOAN REPAYMENT INFORMATION
• The minimum repayment period is 3 months, and the maximum is 48 months.
• The actual APR generally does not exceed 36%.
• A brief description of loan-related fees is as follows, for reference only:
Loan amount: HK$200,000
Interest rate: monthly flat rate 0.343%
Effective annual interest rate: 8%
Repayment period: 24 months
Total interest = Loan amount x Monthly flat rate x Repayment periods
HK$200,000 x 0.343% x 24 = HK$16,464
Total payment amount = Loan amount + Total interest
HK$200,000 + HK$16,464 = HK$216,464
Monthly repayment amount: (Loan amount + Total interest) / Repayment periods
HK($200,000 + $16,464) / 24 = HK$9,019.33
• The loan amount and interest rate are subject to individual circumstances and final approval results
==============================
Warning: You have to repay your loans. Don't pay any intermediaries
Inquiries and complaints Hotline: 6369 2338
Money Lender's License Number: 0819/2025
VCREDIT Finance Limited
#No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that.
^ From your consent accessing the credit report to the approval result. Applicable to qualified customers only. For details, please refer to the website.
• *Offers subject to relevant terms and conditions
• *VCREDIT Finance Limited reserves its absolute right on any loan approval decision, offer, and any disputes
Address: Room 1101, 11/F, Tower 1, Admiralty Centre, No. 18 Harcourt Road, Hong Kong
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted
What’s new
To enhance the user experience of CreFIT, we are conducting technical upgrades and application updates.
App support
phone
Phone number
+85263692338
About the developer
VCREDIT Finance Limited
productmarketing@vcredit.com.hk
Rm 1101 11/F ADMIRALTY CTR TWR 1
18 HARCOURT RD
金鐘
Hong Kong
+852 6581 5109
