Personal Loan


Offering loan amount up to HK$2 millions, helping you manage financial expenses flexibly.

Vehicle Loan


Covering up to 100% of the car price, first year license fee and insurance.

byonRIDE x Inchcape

An exclusive financing program for Inchcape’s customers. Designated vehicle models can enjoy guaranteed buy-back value or balloon payment.

SME Business Microloan


Non-Collateral, Agile Microloan Solutions for SME Owners, Connecting Opportunities with Capital

Renovation Loan


Creating Budget Flexibility for Your Dream Home Renovation!


byonABLE Lite

From Dreams to Goals

Borrow Up To
HKD 300,000
Annualized Percentage Rate
As low as 3.36%
Repay within
6 – 36 months
Approval and Cash Transfer
As fast as within 24 hours
Express Application Experience
With real-time identity authentication technology, loan application can be completed online in a faster, convenient way.
'No Show'Approval*
After approval, get your payout without face-to-face contact.
Take that bold step to explore your possibilities, with BYON's backing.
A plan backed by action makes beliefs come true.
Repayment Period
6 months
36 months

Monthly Repayment Amount


* The above monthly repayment amount is calculated based on a monthly flat rate of 0.15% and an annualized percentage rate not higher than 3.51%, depending on the repayment period. The repayment amount and period shown on the calculator are for reference only.

Create New Possibilities for Yourself in 3 Simple Steps

Online Application

Simply fill in the e-Application form and it takes about 8 minutes to complete the process.

Instant Pre-approval Result

Within seconds, pre-approval results will be generated base on your information and credit records.

'No Show' Approval*

Get your payout in as fast as within 24 hours!

Apply Now

*Depending on your financial status. We reserve the right of the final decision.

Click here for more information.

Want more money and time?

byonABLE offers loan amount up to HK$2,000,000, helping you manage financial expenses flexibly.

Go byonABLE

BYON Website Maintenance
Please note that BYON website will be undergoing maintenance on 29th March, 2023 (Wednesday) from 7pm to 9pm. During this period, our website will be temporarily unavailable.