Unsecured Personal Loans
Lending for eligible individuals without collateral, subject to a careful assessment of income, expenditure, existing obligations and repayment capacity.
Hong Kong Licensed Money Lender
RYcredit
Clear and considered lending solutions for individuals and businesses. Every application is assessed on its own merits, with terms, costs and repayment arrangements explained in plain language.
Financing Solutions
Financing shaped around genuine needs
Available products, loan amounts, annual interest rates, repayment periods and security requirements are subject to individual assessment and the final loan documentation.
Secured Loans
Secured financing based on the nature, value and risk profile of eligible assets. The acceptance and valuation of any security are assessed individually.
Business & SME Financing
Financing assessments for working capital, procurement and cash-flow needs, based on the business profile, financial position and source of repayment.
Application Process
From understanding your needs to a clear agreement
Each step is built around complete information, transparent terms and affordability. Making an enquiry does not mean that a loan has been approved.
Initial Enquiry
We discuss the purpose, amount, preferred term and basic background of the application.
Documents
Identity, income, financial or business documents, and security information where applicable.
Assessment
Customer due diligence, credit risk and repayment affordability assessments are completed.
Explanation & Agreement
All terms, costs, repayment arrangements and consequences of default are explained before signing.
Responsible Lending
Borrowing decisions should be based on clear information
We value responsible lending and customer protection. Applicants should understand every term and consider their ability to meet repayments throughout the loan period before signing.
Clear Cost Disclosure
Loan terms set out the effective annual interest rate, total interest, periodic and total repayments, and any applicable costs.
Affordability Assessment
Unsecured personal loan assessments consider income, expenditure and existing repayment obligations. Approval is never guaranteed.
Personal Data Protection
Application information is collected, used, retained and protected only as permitted by applicable law and legitimate business needs.
No Intermediary Fees
Do not pay anyone claiming that they can arrange or guarantee a loan. Contact us immediately if anyone requests an intermediary fee in the name of RYcredit.
Frequently Asked
Questions before you apply
Is approval guaranteed after I apply?
No. Every application is subject to identity, financial, credit risk and repayment capacity assessments. The final decision is confirmed formally.
How are borrowing costs calculated?
The effective annual interest rate reflects interest and the costs required to be included under the Money Lenders Ordinance. Full costs are explained before signing.
Do I need an intermediary?
No. Do not pay any loan intermediary. If a third party is involved, disclose this to RYcredit so it can be handled in accordance with the licensing conditions.
What should I consider before borrowing?
Confirm that the funds are genuinely needed, consider whether repayments remain affordable if income or cash flow weakens, and read every loan document carefully.
Important Notice
Warning: You have to repay your loans. Don’t pay any intermediaries.
Money Lender’s Licence No.
1290/2025
Complaints Hotline
9157 4668
Contact Us
cs@rycredithk.com
Licensee
RY Credit Limited