01.
Personal Loan
A personal loan is a loan applied for or obtained by an individual in his or her own name. In other words, a personal loan is a loan where the borrower is an individual. There can be more than one borrower, but as long as all borrowers are individuals, it is still a personal loan. Whether a loan is defined as a personal loan only considers the identity of the borrower. If the borrower is a company, the loan is not a personal loan even if the lender is an individual.
02.
Personal Secured Loans
A personal secured loan is a loan that is guaranteed by an individual in his or her own name, i.e. a personal secured loan is a loan where the guarantor is an individual. Whether it is a personal secured loan only considers the identity of the guarantor. If the loan is not a private loan but the guarantor is an individual, it is still a personal secured loan.
03.
Types of Personal Loans
Personal loans can be divided into short-term personal loans, medium-term personal loans and long-term personal loans according to the repayment period; according to the repayment method, they can be divided into fixed-amount personal loans, revolving personal loans and net interest personal loans; according to whether there is collateral, they can be divided into secured personal loans and unsecured personal loans; according to whether there is a guarantor, they can be divided into secured personal loans and unsecured personal loans; according to the purpose of the loan, they can be divided into general personal loans, balance transfer personal loans, personal tax loans, personal property loans, etc.
04.
How to Choose a Personal Loan
To choose a personale loan that suits you, you need to consider your personal financial situation, repayment ability, loan purpose, repayment method, repayment period, etc. Generally speaking, short-term personal loans are easier to approve and have more favorable terms than medium-term personal loans and long-term personal loans; fixed-amount term personal loans are easier to approve and have more favorable terms than revolving personal loans and net interest personal loans; secured personal loans are easier to approve and have more favorable terms than unsecured personal loans; and specific-purpose personal loans such as balance transfer personal loans, personal tax loans, and personal property loans are easier to approve and have more favorable terms than general personal loans.
05.
Apply for a personal loan online
Download the application form and fill in and sign the Personal Data (Privacy) Ordinance Declaration, and fax (+852 3465 9869) or email (Credit@AccGirlfinance.com) to us together with other application documents before 11:00am during office hours. The fastest way to withdraw your personal loan is on the same day.
06.
Apply for a personal loan by phone
Call +852 3465 9886 to provide basic personal information, fax (+852 3465 9869) or email (Credit@AccGirlfinance.com) the personal loan application documents to us, and after knowing the approval result, bring application documents to our branch to sign and confirm the withdrawal of personal loan.
07.
Personal Loan Application Documents
-ID card
-Address proof (utilities bills, bank statements etc.) within the last 2 months
-Latest 3 months’ income proof, longer the period lower the rate
-Payroll bank account’s latest 3 months’ statements
-Tax bill if applying for Tax loan
-Credit card, personal loan statements if applying for Debt consolidation loan
08.
Loan Drawdown
After learning the personal loan approval result, please bring your personal loan application documents to our branch to sign and confirm the personal loan. You can choose to withdraw the personal loan by cheque or instant transfer. Revolving personal loan customers can withdraw their unused personal loan balance anytime, anywhere by phone or email, and transfer cash directly into their accounts.
09.
Loan Repayment
Monthly repayments usually by direct debit. personal loan customers can repay outstanding amounts partially or fully whenever and as often as they want: Fax (+852 3465 9869) or email (Credit@AccGirlfinance.com) deposit / transfer slip to us, noting your name and loan number. You can also make cash payments at our branch.
Money Lender’s Licence No.： 1885/2024
Complaint Hotline：+852 3465 9886
Complaint Email：comment@accgirlfinance.com
Warning: You have to repay your loans. Don’t pay any intermediaries