K Cash 網上貸款平台
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Loan type Branch My account
VS Traditional loan company
Higher Transparency
K Cash emphasizes technology integration and convenience by providing each customer with a personal account. This allows customers to track the entire loan process anytime, anywhere, easily understanding each application step. The transparency is very high.
K cash has more transparency
Traditional loan company
Lower Transparency
Borrowers may not be able to track the entire loan process in real-time or understand each application step. The process may be more cumbersome, and borrowers may need to personally visit offices or bank branches.
Early Repayment Without Penalty & No Handling Fee
Regardless of the application's success, K Cash does not charge any fees and will not impose penalties for early repayment, providing greater flexibility for the entire loan experience.
K cash respects customer privacy and autonomy more
Traditional loan company
Fees for Early Repayment
Early repayment may incur penalty interest or processing fees, meaning borrowers may need to pay additional costs if they repay the loan early.
Digital Loan Process & Speed
K Cash offers a digital loan process and technology integration. From application to signing the contract, the entire process is completed online. Only simple documents and information need to be provided, and cash can be obtained as quickly as the same day.
Loans are convenient
Traditional loan company
Slower Loan Process & Speed
Borrowers may need to submit a large number of documents and information and experience longer waiting times for review and approval.
Emphasis on Customer Privacy
K Cash places great importance on the security of its network system. It adopts secure socket layer encryption technology (SSL) to ensure that customer data entered online or at the store for loan applications is encrypted before transmission, fully protecting customer personal information and privacy.
K cash pays more attention to customer privacy
Traditional loan company
Inadequate Privacy Protection
Some traditional loan companies may lack appropriate security measures and encryption technology, putting customer personal information and privacy at risk.
K cash has more transparency
Higher Transparency
K Cash emphasizes technology integration and convenience by providing each customer with a personal account. This allows customers to track the entire loan process anytime, anywhere, easily understanding each application step. The transparency is very high.
Traditional loan company
Lower Transparency
Borrowers may not be able to track the entire loan process in real-time or understand each application step. The process may be more cumbersome, and borrowers may need to personally visit offices or bank branches.
K cash respects customer privacy and autonomy more
Early Repayment Without Penalty & No Handling Fee
Regardless of the application's success, K Cash does not charge any fees and will not impose penalties for early repayment, providing greater flexibility for the entire loan experience.
Traditional loan company
Fees for Early Repayment
Early repayment may incur penalty interest or processing fees, meaning borrowers may need to pay additional costs if they repay the loan early.
Loans are convenient
Digital Loan Process & Speed
K Cash offers a digital loan process and technology integration. From application to signing the contract, the entire process is completed online. Only simple documents and information need to be provided, and cash can be obtained as quickly as the same day.
Traditional loan company
Slower Loan Process & Speed
Borrowers may need to submit a large number of documents and information and experience longer waiting times for review and approval.
K cash pays more attention to customer privacy
Emphasis on Customer Privacy
K Cash places great importance on the security of its network system. It adopts secure socket layer encryption technology (SSL) to ensure that customer data entered online or at the store for loan applications is encrypted before transmission, fully protecting customer personal information and privacy.
Traditional loan company
Inadequate Privacy Protection
Some traditional loan companies may lack appropriate security measures and encryption technology, putting customer personal information and privacy at risk.
Get Personal Loans Without Meeting in Person

​The restaurant business is on track, so I decided to expand by opening a new branch. However, I don’t have enough cash flow and I didn’t think I could borrow successfully. I am very grateful to K Cash for lending this money to me during the epidemic. I can submit all the documents online anytime without showing up in person during the whole process. Contract also be signed online!

Personal Loan Amount
$180,000
Repayment Period
24Months
Credit Rating
HH

- Mr. Ng, Restaurant Owner

Rapid Access to Life-saving Personal Loan

I unfortunately had an accident at the construction site, resulting in a serious leg injury that required immediate hospitalization and surgery. The surgical expenses amounted to HK$150,000, and I was extremely worried that my credit rating might hinder me from borrowing the necessary funds for the operation. However, to my surprise, K Cash assured me that there would be no issues and even mentioned that I could receive the money right away for my surgery.

Personal Loan Amount
$150,000
Repayment Period
24Months
Credit Rating
GG

- Mr. Wong, Engineering Driver

Convenient and User-Friendly Online Personal Loan

I had set aside some money for credit card payments, but an unforeseen investment mishap depleted my available cash. I had no choice but to seek assistance from a loan company. After applying online with K Cash, I quickly received a personal loan plan with reasonable interest rates and repayment terms. I immediately signed the agreement online, and within moments of completing the process, the funds were transferred to my account via FPS (Faster Payment System).

Personal Loan Amount
$150,000
Repayment Period
24Months
Credit Rating
EE

- Mr. Leung, IT Officer

*the above exmaples of loan plan are for reference only. Customers could reserive the final interest rate, it will be determined by the individual's creditworthiness.

FAQ

What documents do I need to submit when applying for K Cash online loan?
The application only requires simple documents, your Hong Kong permanent identity card, proof of residential address within the last three months and bank records.
How long does it take to apply for a loan and approve it?
K Cash uses the AI ​​loan system to calculate and analyze the loan application, which will then be handed over to the approval manager for final review. if the customer submits all relevant supporting documents and is correct, the approval result will be known quickly.
Is it difficult to approve a poor credit rating?
Don't worry! regardless of the credit rating system, we will consider it. K Cash will approve based on your income, credit rating and other information, and will not refuse your loan application just because of your credit rating. we have also successfully approved cases with a credit rating of i in the past.
What fees does K Cash charge? Are there any hidden charges other than loan interest?
K Cash guarantees that there will be absolutely no hidden fees such as application fees, guarantee fees, photocopying fees or referral fees, and all processing fees are free. All applications, regardless of whether they are canceled, rejected or granted, will not be charged and will never be recovered for fees or charges incurred in or related to negotiating or awarding a loan, provided the loan is not accepted. we have absolutely no hidden charges other than loan interest, and all terms are extremely transparent. what you see is what you get at a glance.
How to change to a personal loan application that has already been submitted?
Any changes or updates must be handled by our customer service specialists.
If you need to adjust the personal loan amount, loan repayment period or change your personal information, please email to [email protected] or call 21111 211.