2. Local Hong Kong Banks
• Lenders: HSBC, Standard Chartered, Hang Seng Bank
• Features: Flexible products (personal loans, mortgages); may require collateral for non-residents.
• Best For: Non-ID holders with assets or guarantors.
3. Non-Bank Financial Institutions
• Lenders: PrimeCredit, WeLend, UA Finance
• Features: Fast approvals (same-day funding), higher rates, lenient credit checks.
• Best For: Urgent needs with poor credit.
4. Online Credit Platforms
• Platforms: MoneyHero, GoBear, CompareAsiaGroup
• Features: No collateral, multiple loan comparisons, competitive rates.
• Best For: Tech-savvy borrowers seeking transparency.
5. Licensed Moneylenders
• Lenders: Hong Kong Finance Group, Oriental Finance
• Features: Small loans (HK$5,000–HK$100,000), minimal paperwork, high APR.
• Best For: Short-term, low-amount emergencies.
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