A licensed money lender in Mongkok, dealing with borrowers directly.

Kin Cheng Finance Limited (金城信貸有限公司) is a licensed money lender in Hong Kong under the Money Lenders Ordinance (Cap. 163). We provide personal and small-business loans from our own funds, under written agreements that state the effective annual interest rate and every charge.

Borrowers deal with our office directly. We do not appoint agents, we do not pay or accept referral commissions, and we do not charge any fee before a loan is made.

Every application is assessed individually on the applicant's ability to repay. Approval is never guaranteed, and the terms are set out in writing before anything is signed.

The Money Lenders Ordinance protects every person who borrows from a licensed money lender in Hong Kong:

Tick each item before you sign any loan agreement, with us or with any other lender.

• I have confirmed the lender's licence in the Companies Registry's register of money lenders.
• I know the effective annual interest rate, not only a monthly or flat rate.
• I know the total amount I will repay and every charge in the agreement.
• I can afford every instalment from my regular income, with a margin for other expenses.
• I have paid nothing to anyone in advance, and no intermediary is involved.
• I have read the whole agreement and will receive a signed copy.

1. Enquiry

   Telephone or e-mail our office. We explain which loan, if any, suits your situation.

2. Documents

   Hong Kong identity card, proof of address and proof of income; for businesses, the business registration certificate and recent records.

3. Assessment and written terms

   We assess repayment capacity and give you the full terms in writing. You may take time to consider them.

4. Signing

   The agreement is signed at our office, explained to you clause by clause, and you receive your copy.

5. Drawdown

   Funds are paid to a bank account in your own name. We do not pay cash to third parties.