K Cash 網上貸款平台
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Loan type Branch My account
Credit Card Consolidation

Credit Card Consolidation

Debt balance transfer saves money, time, and clears all card debt in one go.In addition to improving credit scores, it is also free from minpay troubles.

AI plan for lowest interest rate loan plan
Reorganize credit card debt and improve your credit rating
Online application and signing of loan contract
Loan amount can reach up to
HK$ 1.5 Million
APR as low as
10 %
Repayment period up to
60 Months
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The above personal loan services are subject to Terms and Conditions. Limited to eligible customers who have been verified and confirmed online. All personal loan applications are subject to final approval.​
Explore new possibilities

K CashSave more

Learn MoreK Cash Credit card debt repayment plan, saving several times the interest
currently card interest＄200,000
Try to count your credit cards debt
lowest Monthly Repayment Amount

☹Credit card only pays min pay

First month's contribution$7,239
→
$5,073

☺Minimum monthly payment 29.9%

$2,166
Help you save more

☹Credit card only pays min pay

$508,793
→
$43,481

☺Interest savings Near 10.7Times

$465,312
cut down repayment

☹Credit card only pays min pay

367Months
→
48Months

☺Fast 6.6Times

Speedy319Months
*credit card min pay results are calculated based on the APR of 36.38% and the sum of 1% of the total principal amount, interest and fees or hk$300 (whichever is higher) as the minimum repayment amount for credit card cash advances. K Cash support you clears the credit card loan and the result of the loan is calculated at an actual annual interest rate of 10%, which is for reference only.
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K Cash
helps you clear your annoying credit cards debt
Credit Card Consolidation
Interest savings and repayment at east
Our AI combines big data to come up with a cost-saving card settlement solution, which can help you pay off all the cards debt in one go, greatly reduce interest expenses, and make your repayment easier
Simple and transfer procedures
Time-saving, simple and convenient procedures
All you need is a few documents and a mobile phone number, you can apply for a loan viao online and AI approve around 5 minutes. The approval process for transfer is simple, the process is transparent and there are no hidden fees
Credit card clearing to improve Credit Score
Save effort and improve credit rating
Once approved, the credit card will be settled in one go, and you are not required to pay it one by one. We will have someone specially assigned to help clear all old debts. Your card debt will be restructured, so your credit rating will improve
Credit Card Consolidation
Interest savings and repayment at east
Our AI combines big data to come up with a cost-saving card settlement solution, which can help you pay off all the cards debt in one go, greatly reduce interest expenses, and make your repayment easier
Simple and transfer procedures
Time-saving, simple and convenient procedures
All you need is a few documents and a mobile phone number, you can apply for a loan viao online and AI approve around 5 minutes. The approval process for transfer is simple, the process is transparent and there are no hidden fees
Credit card clearing to improve Credit Score
Save effort and improve credit rating
Once approved, the credit card will be settled in one go, and you are not required to pay it one by one. We will have someone specially assigned to help clear all old debts. Your card debt will be restructured, so your credit rating will improve
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Comprehensive Customer Service Support
Utilizing big data, we customize the actual annual interest rate to suit your specific needs. Through the implementation of innovative applications and precise calculations, we design personal loan programs that offer optimal flexibility in repayment.
Instant Chat

K Cash customer service is available during office hours to provide real-time assistance with any loan-related inquiries. Feel free to reach out to us via WhatsApp to help you resolve any questions or concerns you may have.

Only Hong Kong permanent residents who are at least 18 years old are eligible to apply for a loan. Applicants are required to authorize K Cash to obtain their most recent credit report for loan approval purposes.

Business hours Please wait for office hours
Monday to Friday 09:00 - 19:00
Closed on Sundays and public holidays
Start conversation with Whatsapp message
Please leave information and officer will reply soon

We understand that you have a packed schedule and various needs. Please leave your contact number and convenient time, and we will call during our available time to assist you with any loan-related requirements.

All information collected will be kept confidential and will only be used for loan application purposes.

3-step self-service unsecured personal loan

Instant loan cash withdrawal from K Cash VTMs in Hong Kong
* Previous unsecured personal loan advertisement demonstrating as a FinTech money lender.
1
5 minutes to complete the unsecured personal loan application​
Prepare your HKID, income and address proof, repayment bank account information, and start your unsecured personal loan application online.

2
15 minutes AI instant approval for unsecured personal loan
As a FinTech money lender, AI speeds up the credit approval and real-time calculation of loan plans, and the unsecured personal loan can be confirmed by signing the contract online.

3
7x24 unsecured personal loan cash withdrawal
Instantly withdraw loan cash through our smart VTMs and branches across Hong Kong.

Take an extra step for your privacy security

Blockchain technology protects data privacy

K Cash employs the highest level of confidentiality in technology to collect, process, and protect customer data to ensure the integrity of customer information and prevent tampering. Additionally, K Cash applies blockchain technology to implement an employee identity authentication system, reducing the risk of potential customers engaging in transactions with impersonators or fraudulent employees.

1 st
in the market
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document loan
3
steps to proceed

Take an extra step for your privacy security

privacy and security

FAQ

How to apply Credit card loan?
It is very simple to apply for a K Cash credit card loan. You can submit your application online and your case will be reviewed immediately. You can also sign online without showing up, and the whole loan process is processed online.
What documents do I need to submit to apply for a credit card consolidation loan?
To transfer your card debt balance to K Cash, you only need to provide identification documents and income. We can know your situation from your credit history, and then provide the most suitable repayment plan.
How do I track the status of my credit card loan application?
K Cash provides a fully transparent online loan process. customers can log in to www.kcash.hk anytime, anywhere to track and view loan application progress, account status and records, etc.
Can the number of credit cards owed and multiple loans be integrated?
No matter how complicated your case is, we have the experience to handle it for you, once approved successfully. K Cash will also repay and consolidate all debts and personal loans on your behalf at one time, helping you to pay off all your cards.
What dose remain balance transfer meaning?
alance transfer can help you integrate the number of card debts of different institutions, personal loans, and new personal loans with relatively low interest rates at one time.
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The only 7x24 "online + physical" AI self-service unsecured personal loan experience in Hong Kong.
Download K Cash App now to experience the new credit experience
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