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AI approval personal loan

With AI and big data analysis, it brings a new experience of simple, low-interest, instant and fast online personal loan.

Precision Calculated Low-Interest Personal Loan with Big Data Analysis
Loan offers within 20 seconds*
Online Application and Signing of Low-Interest Personal Loan Contract
Loan amount can reach up to
HK$ 1 Million
APR as low as
10 %
Repayment period up to
60 Months
7x24
Instant Cash Withdrawal​
*our 7x24 AI Loans can extend loan offers in a fully automated manner within 20 seconds after successful submission of the loan application through the K Cash App
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
Explore your loan options now
Applicants must meet the following requirments
Minimum age of 18 | Hold a HKID Card
Desired loan amount (HKD)
$100,000
$5,000
$1,000,000

Repayment period
6Months
9Months
12Months
18Months
24Months
36Months
48Months
60Months

Monthly repayment amount (HKD)
K Cash Supreme customers as low as
$8,792
~
K Cash customers
$9,456
Learn more about K Cash Supreme
Annual interest rate can be as low as 10%
*The above examples are for reference only. The final interest rate will depend on customer’s credit status. Please contact us for more details of lower-interest loan.
**About K Cash Supreme best rate, please contact customer service manager.
24/7 "Onine + In-person"AI Self-Service Personal Loan Experience​
Apply online and withdraw cash anytime K Cash VTM at K Cash VTMs across Hong Kong
Hong Kong
Kowloon
New Territories​
Shau Kei Wan Shop 8 on G/F, Hoi Fung Centre, No. 2 Po Man Street, Shau Kei Wan, Hong Kong
Branch hotline: 21111 211
Business hours:
Mon - Fri: 09:00 - 19:00
Closed on Sat, Sun & Public holidays
Transforming Your Personal Loan Experience
through Revolutionary Technology
Online loan repayment is more flexible
Repayment is more flexible
Get your personal loan application done quickly and conveniently online with just a mobile phone. Our AI technology combined with big data enables us to provide precise and fair quotes. Enjoy repayment terms of up to 60 months. We are here to create the most tailored and suitable low-interest personal loan program for you.
Instand approval loan via online
Instant Approval of Personal Loan through Complete Automation
Experience the speed of creating personalized loan plan with utmost convenience. Our 7x24 AI Loans can extend loan offers in a fully automated manner within 20 seconds after successful submission of the loan application through the K Cash App. Enjoy a transparent journey with no hidden fees, allowing you to conduct a personal loan with peace of mind.
Instand personal loan
24/7 Cash Withdrawal
For any cash needs, simply apply for a loan online and sign the personal loan contract instantly. You can choose either Faster Payment System (FPS) or visiting our branch to withdraw cash 24/7.
Online loan repayment is more flexible
Repayment is more flexible
Get your personal loan application done quickly and conveniently online with just a mobile phone. Our AI technology combined with big data enables us to provide precise and fair quotes. Enjoy repayment terms of up to 60 months. We are here to create the most tailored and suitable low-interest personal loan program for you.
Instand approval loan via online
Instant Approval of Personal Loan through Complete Automation
Experience the speed of creating personalized loan plan with utmost convenience. Our 7x24 AI Loans can extend loan offers in a fully automated manner within 20 seconds after successful submission of the loan application through the K Cash App. Enjoy a transparent journey with no hidden fees, allowing you to conduct a personal loan with peace of mind.
Instand personal loan
24/7 Cash Withdrawal
For any cash needs, simply apply for a loan online and sign the personal loan contract instantly. You can choose either Faster Payment System (FPS) or visiting our branch to withdraw cash 24/7.
AI intelligent customized personal loan rate and AI speedy approval

Every personal loan plan offered by K Cash is tailored using cutting-edge financial technology. By leveraging big data, we calculate the most favorable loan interest rates for you. Our cloud-based computing simplifies and accelerates the personal loan approval process while maintaining the highest level of security and data control. K Cash's machine learning technology objectively analyzes your credit data and behavioral patterns, enabling fully automated approval without manual intervention. Experience lightning-fast approval of the personal loan plan that best suits your needs.

5 mins
Express loan approval
10 %
Best annual interest rate**
6-60 months
Flexible repayment period
*The best annual interest rate is only available for K Cash Supreme customers. For details, please consult with our customer service manager.
AI intelligent calcualte and customization of low-interest loan rates
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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.

Without showing up

The restaurant profit is high enough to set up another shop, so i decided to open a branch. But i don't have enough cashflow, and i never thought that I would be able to apply loan easily. I am very grateful to have found K Cash for lending personal loan during the epidemic. I can submit all the documents online. No need to show up during the whole process, even the contract can be signed online!

Loan Amount
$180,000
Repayment period
24Months
Credit rating
HH

- Mr. Wu, restaurant owner

Speedly borrow money to save lives

He could be injured easy working in a construction site. He was admitted to hospital for urgency this time. I was worried that I would not be able to borrow the money for the surgery if my credit level was not good enough. But K Cash assured me it should not be a problem and I should be able to get the money needed for the surgery immediately.

Loan Amount
$150,000
Repayment period
24Months
Credit rating
GG

- Mr. Wong, engineering driver

Easy-to-use, apply loan application

I have reserved money for paying credit card outstanding. However, my other investments has held up some of my cash flow. After I applied for K Cash personal loan via online, I was offered a loan plan with a reasonable APR and repayment period.

Loan Amount
$150,000
Repayment period
24Months
Credit rating
EE

- Mr. Leung, IT

*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.

3-step self-service loan

Instant cash withdrawal from K Cash VTMs in Hong Kong
* Previoud advertment
1
5 minutes to complete the application
Prepare your HKID, income and address proof, repayment bank account information, and start your loan application online.

2
15 minutes AI instant approval
AI speeds up the approval and real-time calculation of loan plans, and the loan can be confirmed by signing the contract online.

3
7/24 cash withdrawal
Instantly withdraw cash through our smart ATMs 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
0
document loan
3
steps to proceed

Take an extra step for your privacy security

privacy and security

FAQ

What documents do I need to submit when applying for a K Cash online personal loan?
To apply, you only need to provide simple documents, including your Hong Kong permanent resident identity card, proof of residential address within the last three months, and bank statements.
How long does it take to apply for a personal loan and get it approved?
K Cash utilizes an AI-powered online loan system to calculate and analyze personal loan applications. The applications are then handed over to the approval manager for a final review. If the customer has provided all the necessary supporting documents accurately and correctly, they can swiftly receive the loan approval result.
Is it difficult to get approved for a persona loan if you have a poor credit rating?
Don’t worry! Regardless of your credit rating, we will consider your application. K Cash evaluates personal loan applications based on factors such as income and credit rating, and we do not reject personal loan applications solely based on credit ratings. In the past, we have successfully approved cases with credit ratings of "I" (indicating a lower credit score).
What fees does K Cash charge for personal loan? Are there any hidden charges apart from the loan interest?
K Cash guarantees that there are absolutely no hidden fees such as application fees, guarantee fees, photocopying fees, or referral fees. Additionally, there are no handling fees. For all personal loan applications, whether they are canceled, rejected, or granted a loan, as long as the loan is not accepted in the end, there will be no charges whatsoever. We also do not pursue or charge any fees or charges related to negotiations or personal loan approval. There are no hidden charges beyond the personal loan interest. Our terms and conditions are highly transparent. What you see is what you get, with complete clarity.
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.
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