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Personal instalment loans
Fixed monthly instalments over an agreed term, for residents of Hong Kong with verifiable income.
- Fixed schedule from the first payment
- Early settlement terms written into the agreement
- No charge to apply
Bright Future Finance Limited is a licensed money lender under the Money Lenders Ordinance (Cap. 163), holding Money Lender's Licence No. 1989/2025. We lend our own funds to individuals and businesses from our office at Enterprise Square, Kowloon Bay.
Every loan is made under a written agreement, and the effective annual interest rate is stated in it before you sign. We do not use agents or intermediaries and we charge no fee before a loan is made.
Each application is assessed on the borrower's ability to repay. The amount, term, effective annual rate, repayment schedule and every charge are set out in a written agreement. If the figures do not suit you, you are under no obligation.
Fixed monthly instalments over an agreed term, for residents of Hong Kong with verifiable income.
Short- and medium-term funding for Hong Kong companies and sole proprietors: stock, receivables gaps, equipment.
Loans secured on Hong Kong residential or commercial property, subject to valuation and title checks.
A low monthly "flat" rate can hide a much higher effective annual rate. Enter the figures of any offer, ours or anyone else's, and this calculator finds the effective annual rate and compares it with the limits set by Hong Kong law.
For illustration only; your loan agreement states the binding rate. Fees deducted from the amount you receive raise the true rate, so enter the net amount.
These protections apply to every loan from a licensed money lender in Hong Kong. We follow them as a condition of our licence, and you are entitled to rely on them.
Lending at an effective rate above 48% per annum is a criminal offence, and the loan agreement is unenforceable.
A rate above 36% per annum is presumed extortionate, and the court may reopen the transaction.
The agreement must be in writing and signed, stating all terms, and you must receive a copy within 7 days of making it.
We do not ask for any payment before a loan is made: no "handling", "insurance" or "credit-building" fee.
Fraudsters use the names of licensed lenders, ask for deposits or bank-card details, and promise guaranteed approval. Bright Future Finance Limited never asks for money in advance, never takes cards, passwords or one-time codes, and does not work through agents. Check any lender in the Companies Registry's register of money lenders before you deal with it, and report suspected fraud to the Hong Kong Police.
The process is the same for every borrower. Nothing is signed until you have read and understood the agreement.
Contact us by phone or e-mail and describe what you need. We explain which loan fits, if any.
Identity card, proof of address and income; for businesses, registration and recent records.
You receive the full terms: amount, term, effective annual rate, schedule and charges.
You sign at our office, receive your copy, and the funds go to your own bank account.
If your question is not answered here, contact our office; we reply in writing on request.
Search "Bright Future Finance Limited" or "昌泰財務有限公司" in the Companies Registry's published list of money lenders licensees, or use the Registry's search services. Our licence number is 1989/2025.
No. We are a licensed money lender, not an authorized institution under the Banking Ordinance. We do not take deposits and do not offer investment products.
No. You deal with us directly at our Kowloon Bay office. Anyone who claims to arrange a loan with us for a fee is not acting for us.
No. Every application is assessed on the ability to repay. Any lender that guarantees approval in advance should be treated with suspicion.
This website relates only to Bright Future Finance Limited (昌泰財務有限公司), Licence No. 1989/2025. Other companies with similar English or Chinese names are separate legal entities, and we cannot speak for them.
Contact us before a payment is missed. We will explain your options in writing. Debt collection by us is conducted lawfully, without harassment and without contacting third parties about your debt.
Applications are completed in person at our office. Please call or e-mail first so that we can tell you which documents to bring.
Rm 33, 9/F, Enterprise Square Tower III
9 Sheung Yuet Road, Kowloon Bay
Kowloon, Hong Kong
contact@brightfuturefinanceltd.com
By appointment on business days. Please call or e-mail to arrange a time.