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Our Product

First Mortgage Loan

U Credit offers you a first mortgage up to 85% of the property value. Regardless of age, property type, and even PA cases, U Credit also accepts the application. With no limitation on the loan amount, we can offer more than 10M first mortgage at any time. Application procedure is simple, without complicated documents, and more flexible than banks. Preliminary approval will be provided in 8 minutes* and, possibly, cash will be disbursed in 3 hours*.

*Subject to final approval

Second Mortgage Loan

U Credit will offer you a second mortgages without providing the deed, the total loan amount is up to 80% of the property value. Regardless of age, property type, and even PA cases, U Credit also accepts the application. With no limitation on the loan amount, we can offer more than 10M second mortgage at any time. Application procedure is simple, without complicated documents, more flexible than banks. Preliminary approval will be provided in 8 minutes* and, possibly, cash will be disbursed in 3 hours*.

*Subject to final approval

Personal Loan

U Credit offers you a personal loan without collateral. Application procedure is simple, without complicated documentation. It is suitable to a person who needs short-term cash flow. Possibly, cash will be disbursed in 2 hours*. Repayment scheme is flexible, including installment and interest only repayment scheme.

*Subject to final approval

Debt Consolidation Loan

Debt Consolidation Loan can help you pay off credit cards, clear the debt and provide cash for your short-term liquidity need!

Final approval of interest rate, loan amount and repayment period depends on clients' individual financial situations.

U Credit Final approval rights reserved.

SME Loan

U Credit is willing to offer loan services to startup founders, people who want to expand business or with financial needs immediately. All self-employed people in different industries are eligible to apply for our flexible loan. TU credit reports and applicants' credit records from Hong Kong Monetary Authority are not required. If you are over-indebted, restructuring debt, having bad credit record or being discharged from bankruptcy, you are welcomed to apply for the loan.