You must be a Hong Kong resident aged 18 years or above. No minimum employment period or income requirements.
The application process is simple: Apply online > Complete documentation with the BYON team > Approval as fast as within 24 hours^ > Verification and payout
^Only refers to the time needed for quotations after receipt of the applicant's TU Report. Applicants must fulfil specific requirements to be eligible. The actual time required may vary depending on each individual case.
No, there are no additional charges or hidden fees. We do not charge any application fees, handling fees, guarantor fees, introductory fees, or any related fees. No fees will be charged should the loan be cancelled, declined, or otherwise not accepted. We commit to high transparency within all our services and terms.
For byonABLE, you can borrow a loan from HK$5,000 to HK$2,000,000 (or 21 times of the monthly salary, whichever is lower), with flexible repayment tenors ranging from 6 to 72 months depending on your needs.
The maximum loan amount is determined by your financial background, such as your credit score, monthly income, occupation, and financial situation.
*Depending on your financial status, we reserve the right of final decision.
Yes! To refinance a loan, simply email to askme@byon.com.hk or call 28629119.
The repayment date defaults on 1 month after a successful drawdown. All customers must set up Direct Debit Authorization (DDA) for using automatic debit as the repayment method. Please ensure you have sufficient funds in the designated auto-debit bank account.
There is a one-off HK$150 penalty fee for a returned autopay transaction and an overdue daily interest charged as: ((Monthly Instalment x Annualized Percentage Rate)/365)) x overdue days
To borrow responsibly and avoid any implication on your credit history, please stay on top of your repayments.
Yes, for sure. To make an early settlement of any loans, simply inform us by askme@byon.com.hk or call 28629119. Please allow at least 7 working days for processing. Follow up and arrangements will be made accordingly.
BYON is a brand under ORIX Finance Services Hong Kong Limited, a member of the ORIX group. The parent company, ORIX Corporation (Tokyo Stock Exchange (8591) and New York Stock Exchange (IX)), is an integrated financial services group based in Tokyo, Japan, providing innovative value-added products and services to both corporate and retail customers, with operations in 28 countries and regions worldwide (as of March 31 2022).
BYON is a dynamic brand focusing on digitalized and innovative consumer finance products and envisions to challenge the norm of traditional financial services. With strong financial strength as backing, BYON provides consumers with more affordable and less restrictive solutions to support their 24/7 financial needs, such as debt consolidation, business capital, weddings, education, home improvement, travel expenses and more.
You must be a Hong Kong resident aged 18 years or above and the name of applicant must be the same in vehicle registration document.
The application process is simple: Apply online > Complete documentation with the BYON team > Approval as fast as within 24 hours^ > Verification and payout
^Only refers to the time needed for quotations after receipt of the applicant's TU Report. Applicants must fulfil specific requirements to be eligible. The actual time required may vary depending on each individual case.
Applicant is required to submit
• HKID copy
• Vehicle registration document copy
• Vehicle license copy
• Disbursement account proof
• Residential address proof
• Latest 3 months income proof
Applicant will need to submit other documents for approval if required.
No, there are no additional charges or hidden fees. We do not charge any application fees, handling fees, guarantor fees, introductory fees, or any related fees. No fees will be charged should the loan be cancelled, declined, or otherwise not accepted. We commit to high transparency within all our services and terms.
byonRIDE accepts loan applications for new or used private, electric and commercial vehicles. However, if your vehicle is used, you must have purchased the vehicle within 6 months to be eligible for the application.
byonRIDE does not use your vehicle as collateral. Additionally, the applicant is not required to purchase comprehensive insurance to apply for byonRIDE. There is also no application restriction on the age of an used car. As such, simplified and speedy application process help save the extra handling fee.
You can borrow up to 100% of the car price, first-year vehicle licence fee and insurance to give you more financial flexibility. The maximum loan amount is determined by your financial background, such as your credit score, monthly income, occupation, and financial situation, with repayment tenors ranging from 36 to 72 months.
Yes! To refinance a loan, simply email to askme@byon.com.hk or call 28629119.
The repayment date defaults on 1 month after a successful drawdown. All customers must set up Direct Debit Authorization (DDA) for using automatic debit as the repayment method. Please ensure you have sufficient funds in the designated auto-debit bank account.
There is a one-off HK$150 penalty fee for a returned autopay transaction and an overdue daily interest charged as: ((Monthly Instalment x Annualized Percentage Rate)/365)) x overdue days
To borrow responsibly and avoid any implication on your credit history, please stay on top of your repayments.
Yes, for sure. To make an early settlement of any loans, simply inform us by askme@byon.com.hk or call 28629119. Please allow at least 7 working days for processing. Follow up and arrangements will be made accordingly.
You must be a Hong Kong resident aged 18 years or above and the name of applicant must be the same in vehicle registration document.
The application process is simple: Apply online > Complete documentation with the BYON team > Approval as fast as within 24 hours^ > Verification and payout
^Only refers to the time needed for quotations after receipt of the applicant's TU Report. Applicants must fulfil specific requirements to be eligible. The actual time required may vary depending on each individual case.
Applicant is required to submit
• HKID copy
• Vehicle registration document copy
• Vehicle license copy
• Disbursement account proof
• Residential address proof
• Latest 3 months income proof
Applicant will need to submit other documents for approval if required.
No, there are no additional charges or hidden fees. We do not charge any application fees, handling fees, guarantor fees, introductory fees, or any related fees. No fees will be charged should the loan be cancelled, declined, or otherwise not accepted. We commit to high transparency within all our services and terms.
MaxValue Guarantee Financing Program: Accepts loan applications for new cars with specified Toyota & Lexus models(see product page).
Balloon Financing Program: Accepts loan applications for new cars with specified Land Rover, Jaguar, Lexus, ORA models(see product page).
For loan application of other models and brands, please refer to the byonRIDE product page for details.
If the applicant opt for MaxValue Guarantee Financing Program, the applicant has 3 repayment options:
i. repay the outstanding amount (guaranteed 50% of the car price, subject to terms and conditions) by trading in the vehicle; or
ii. keep the vehicle, and repay the outstanding amount at the end of term; or
iii. apply loan refinancing.
If the applicant opt for Balloon Financing Program, the applicant should repay the ballon value at the end of term and apply refinancing if needed.
Compared to collateral-free vehicle loan, byonRIDE x Inchcape Exclusive Financing Program allows applicants to repay a lower monthly instalment.
You can borrow up to 100% of the car price (covers first-year vehicle licence fee and insurance) to give you more financial flexibility. The maximum loan amount is determined by your financial background, such as your credit score, monthly income, occupation, and financial situation. With MaxValue Guarantee Financing Program, the applicant should repay the loan within 36 months . At the end of the term, the applicant can choose to keep the vehicle through refinancing. Repayment tenor for refinancing can extend to up to 60 months, depending on the needs.
With Balloon Financing Program, the applicant can choose repayment tenors of 36 or 60 months. Repayment tenor for refinancing can extend to up to 60 months.
No, it does not take your Vehicle Registration Document as collateral. Applicants will only have to submit the required documents. Approval of the loan application is determined by the applicant's financial situation and other factors.
The repayment date defaults on 1 month after a successful drawdown. All customers must set up Direct Debit Authorization (DDA) for using automatic debit as the repayment method. Please ensure you have sufficient funds in the designated auto-debit bank account.
There is a one-off HK$150 penalty fee for a returned autopay transaction and an overdue daily interest charged as: ((Monthly Instalment x Annualized Percentage Rate)/365)) x overdue days
To borrow responsibly and avoid any implication on your credit history, please stay on top of your repayments.
Yes, for sure. To make an early settlement of any loans, simply inform us by askme@byon.com.hk or call 28629119. Please allow at least 7 working days for processing. Follow up and arrangements will be made accordingly.
The applicant must be an owner of the business (or hold at least a 50% shareholding in the company), a Hong Kong resident aged 18 or above, and their company must be established in Hong Kong for at least one year.
Any companies registered in Hong Kong with operation for at least one year can apply for byonCONNECT, regardless of industry or size.
The loan amount of the non-collateral solution can be as high as HK$2,000,000, which needs to be applied in the name of the business owner, hence will depend on the owner's financial background, such as credit rating and financial status; the repayment period is flexible from 6 to 60 months, depending on actual needs.
If the company needs larger financial support, we also provide financing solutions up to HK$5,000,000, but the application can only be made in the name of the company. For details, please email askme@byon.com.hk or contact the BYON team at 2862 9119.
Traditional SME loans can take several weeks to months from application to approval, requiring a lengthy and complicated list of documents. byonCONNECT aims to solve the urgent needs of working capital for day-to-day business operation or expansion, with simpler procedures and lower thresholds. There is also no collateral requirement.
No, there are no additional charges or hidden fees. We do not charge any application fees, handling fees, guarantor fees, introductory fees, or any related fees. No fees will be charged should the loan be cancelled, declined, or otherwise not accepted. We commit to high transparency within all our terms. What you see is what you get.
Yes! To refinance a loan, simply email to askme@byon.com.hk or call 28629119.
The application process is simple:
Apply online & submit relevant documents > Complete documentation with the BYON team > Approval as fast as within 24 hours^ > Verification and payout
^Only refers to the time needed to calculate quotations after receipt of the applicant's TU Report. Applicants must fulfil specific requirements to be eligible. The actual time required may vary depending on each individual case.
Applicants should provide thebelow:
• Hong Kong identity card copy
• If you are not a holder of Hong Kong Permanent Identity Card, please alsoprovide your passport copy
• Certificate of Incorporation copy
• Business Registration copy
• The applicant’s address proof
• The applicant’s latest 3-month bank statements
Applicants might need to supplement other documents for approval purpose, as necessary.
The repayment date defaults on 1 month after a successful drawdown. All customers must set up Direct Debit Authorization (DDA) for using automatic debit as the repayment method. Please ensure you have sufficient funds in the designated auto-debit bank account.
There is a one-off HK$150 penalty fee for a returned autopay transaction and an overdue daily interest charged as: ((Monthly Instalment x Annualized Percentage Rate)/365)) x overdue days
To borrow responsibly and avoid any implication on your credit history, please stay on top of your repayments.
Yes, for sure. To make an early settlement of any loans, simply inform us askme@byon.com.hk or call 28629119. Please allow at least 7 working days for processing. Follow up and arrangements will be made accordingly.
You must be a Hong Kong resident aged 18 years or above. No minimum employment period or income requirements and the applicant must submit a copy of either the interior design /renovation quotation or the proof of property ownership.
The application process is simple: Apply online & submit relevant documents > Complete documentation with the BYON team > Approval as fast as within 24 hours^ > Verification and payout
^Only refers to the time needed to calculate quotations after receipt of the applicant's TU Report. Applicants must fulfil specific requirements to be eligible. The actual time required may vary depending on each individual case.
Applicant is required to submit
• HKID copy
• Disbursement account proof
• Residential address proof
• Latest 3 months income proof
• Interior Design / Renovation Quotation
• Building Sales and Purchase Agreement (If any)
Applicant will need to submit other documents for approval if required.
No, there are no additional charges or hidden fees. We do not charge any application fees, handling fees, guarantor fees, introductory fees, or any related fees. No fees will be charged should the loan be cancelled, declined, or otherwise not accepted. We commit to high transparency within all our services and terms.
With byonHOME, you can enjoy flexible budget with borrowing up to 150% of quotation value for building your dream house!
For byonHOME, you can borrow a loan of HK$50,000 to up to HK$2,000,000 (or 150% of quotation value, whichever is lower), with flexible repayment tenors ranging from 6 to 72 months depending on your needs.
Yes! To refinance a loan, simply email to askme@byon.com.hk or call 28629119.
The repayment date defaults on 1 month after a successful drawdown. All customers must set up Direct Debit Authorization (DDA) for using automatic debit as the repayment method. Please ensure you have sufficient funds in the designated auto-debit bank account.
There is a one-off HK$150 penalty fee for a returned autopay transaction and an overdue daily interest charged as: ((Monthly Instalment x Annualized Percentage Rate)/365)) x overdue days
To borrow responsibly and avoid any implication on your credit history, please stay on top of your repayments.
Yes, for sure. To make an early settlement of any loans, simply inform us askme@byon.com.hk or call 28629119. Please allow at least 7 working days for processing. Follow up and arrangements will be made accordingly.
