Personal Loan


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

Car Owner Loan


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

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!

Personal Loan
Car Owner Loan
SME Business Microloan
Renovation Loan


1. For General Information Only

The information contained on this website is for general information only and is provided on an "as is" basis without warranty of any kind and may be changed at any time without prior notice.

2. Disruption and Loss of Transmitted Information

ORIX does not represent or warrant that this website will be available, that access will not be interrupted, that there will be no delay, failures, errors or loss of transmitted information. In particular, no warranty regarding security, accuracy, fitness for a purpose or freedom from computer viruses or that no damage will occur to your computer system is given in connection with such information and materials. You must have adequate protection against computer viruses or other destructive causes.

3. Disclaimer

ATo the extent permitted by applicable law, ORIX disclaims liability for any error, omissions or inaccuracies in the information and material provided on this website and for any loss or damages incidental or consequential, resulting from its use or inability to use by any party, or in connection with any error, interruption, delay in operation or incomplete transmission, line or system failure.

4. Indemnity

You hereby agree to indemnify and keep ORIX fully and effectively indemnified against any action, liability, cost, claim, lost, damage, proceeding or expense (including legal fees, costs and expenses in full indemnity basis) suffered or incurred by ORIX arising from or which is directly or indirectly related to your access or use of ORIX's or BYON’s website.

5. Email and Online Transmission

Email sent to ORIX over the internet or information, documents, materials or any other contents provided or uploaded through online application cannot be guaranteed to be completely secured. ORIX is not responsible for any (direct or indirect) loss or damages incurred by you arising from the transmission of messages, information, documents, materials or any other contents over the internet.

6. Obligations of Confidentiality

You agree that ORIX should not be under obligation of confidentiality to you regarding any such information or materials submitted to it using this website unless agreed otherwise in a separate direct contract or required by law.

7. Disclaimer on External Website Links

ORIX is not responsible for the contents available on any other websites linked to this website. Access to and use of such other websites is at the user's own risk and subject to any terms and conditions applicable to such access. By providing hyperlinks to other websites, ORIX shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the services/products they provide on their website.
This website may contain links to external sites for visitors’ convenience and facilitate visitors to gain access to a variety of information and services (“hyperlinks”). Please beware that ORIX has no control (whether editorial or otherwise) over any information that may be find at these locations, nor any privacy, copyright, cookie usage, or other user policies thereat . Please be aware that all the privacy and other protection provided on this website shall not cover or otherwise be applicable to these external links.
ORIX does not give any representation regarding the quality, safety, suitability or reliability of any external website or any of the content or materials contained on them. ORIX urges visitors to take adequate steps to safeguard against such things like viruses, worms and other potentially harmful malware.
The appearance of hyperlinks in this website does not constitute endorsement or approval by ORIX of any of the products, services, opinions of any corporation or organization or individual, or information contained therein. Unless there is an explicit and specific contractual commitment to the contrary, ORIX accepts no liability arising out of the use of such hyperlinks, including (a) misuse or misunderstanding of these hyperlinks and hypertext links and web site navigational methods; (b) third party interpretation of data or information which is distributed around the external websites and reached using hypertext and hyperlinks; and (c) third party understanding of or use of the navigational structure of these external websites or the interpretation of distributed information on them.
Despite our efforts to ensure the hyperlinks are consistent with the purpose of this website, they may contain information that is not necessarily complete, accurate, appropriate or up-to-date.
If visitors choose to provide information (including personal data) to these locations at hyperlinks (e.g. filling a Contact Us form with e-mail and/or postal addresses), they are strongly advised to verify the locations on their own before providing such information and not to provide any personally identifiable information (e.g. Hong Kong Identity Card Numbers or Passport Numbers). This is specifically the case when there are suspicions or doubts regarding the contents of these locations.
This disclaimer is not intended to contravene any requirements of any applicable laws or regulations, nor to exclude liability for matters which cannot not be excluded or disclaimed under that laws. ORIX may revise this “Disclaimer on External Website Links” at any time, without prior notice, by updating this website.

8. Hyperlinks to ORIX or BYON’s Website

You must always obtain our prior written approval before creating a hyperlink from an external website to this website. Any use or display of our or BYON’s logo, trade names and trademarks as a hyperlink will not be approved unless in very exceptional circumstances. We may or may not give such approval at our own discretion.
We are not responsible for any hyperlink from an external website to this website. Any hyperlinking does not constitute any form of cooperation with us nor endorsement by us of such external website. We will not be liable for any loss or damage incurred or suffered by you or any third party arising from any hyperlink to this website. We have the right at our discretion and at any time to require the removal of any hyperlink to this website.

9. Governing Law

ORIX maintains this website from Hong Kong Special Administrative Region. No representation that the material and information contained herein is appropriate for use in other jurisdictions. These terms and conditions are governed by the laws of Hong Kong. Any dispute shall be subject to the non-exclusive jurisdiction of the courts of Hong Kong.

10. Intellectual Property Rights

All materials on this website are protected by copyright and none of which may be modified, reproduced, transmitted and distributed without our prior written consent.

11. English as Prevailing Version

In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail.

Last revision date : 1 April 2022

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.