Points to note when applying for loans

* All required application information must be complete and accurate. Final approval is subject to the final submission of all relevant documents and the credit record of the applicant. Easy One Finance Limited reserves its absolute right on the final loan decision and any disputes. Subject to the actual situation from time to time.

You will not incur any fees in the application process. We do not charge any application fees, guaranteeing fees, photocopying fees or referral fees. You will not be charged if your application is rejected, cancelled, or pending and not disbursed.

Loan repayment can be made through bank autopay, an easy and convenient way to avoid late payment penalties.

The bank will automatically deduct the repayment amount on the scheduled repayment day. Please make sure that there are sufficient funds in your bank account at least 1 Bank Clearing day before the repayment date to cover the repayment and avoid late payment fees.

We will check with credit reference agencies to look at your credit score and consider your loan application by reviewing your credit history and repayment records.

If you would like to repay your loan ahead of schedule, we will not charge any early settlement fees or any related penalties.

You will only have to notify us through a written notice or visit our branch at least 3 days prior to the repayment date. We will list out the total early settlement amount, including the outstanding balance and interest. Once we receive the bank payment records of the early settlement, the loan contract will be terminated or changed.

All the information provided will be kept strictly confidential and in accordance with Personal Data (Privacy) Ordinance.