Apanda Credit

University life is full of moments where what you lack isn't courage, but money.

Tuition fees at the start of the semester, unexpected deposits, and the exchange fees that slip through your fingers.

Apanda Credit, created for university students, designed for young people in Hong Kong.

We believe that a young person's first credit loan should be a boost, not a burden—
It should support you when you need it most, not hold you back.

You can apply whether you're studying, just graduating, or starting work.

YOLO FLEX (Lifestyle Credit)
Many students don't have a credit card yet, and YOLO FLEX is your flexible backup.

Pay back what you owe, and get the same amount back in credit; next time you need it, it's instantly available.

Use it well, and your credit limit will grow with you.

EDU POWER (Education Credit) [New]
Knowledge is learned little by little, and tuition fees can also be paid little by little.

Apply with your tuition fee receipt; tuition fees can be repaid in 3 to 24 installments.

What was originally a lump sum payment can now be used for textbooks, extracurricular classes, or an additional exchange program.

Students and parents can apply.

The required documents are simple because we carefully review them.

An ID card and a bank statement are sufficient.

We don't define you based on your payment receipts, but rather on your actual income, expenses, and needs.

We understand you, not label you.

Borrow exactly what you pay.

Zero withdrawal fees, no deductions.

Repay on time; you only pay interest—the interest rate and monthly payment amount are clearly stated before you confirm. No small print.

The application is seamless, but repayment is responsible.

The application itself will not leave a credit record.

However, you must repay on time: late payments will incur late interest and late handling fees, and will also affect your future credit limit.

We want to help you take the first step well, not watch you take the wrong one.

Interest Rates and Fees

Average Annual Rate (APR) up to 36%; the actual interest rate depends on the product and approval results, clearly stated in the "Loan Details"

Repayment Period: 3 to 24 months

Withdrawal Fee: HK$0 | Early Repayment Fee: HK$40 per instance | Late payments will incur late interest at the standard rate, plus late handling fees.

Example: Borrow HK$10,000, in 12 installments, annual interest rate 36%, monthly payment HK$1,004.62, total interest HK$2,055.45, total repayment HK$12,055.45

All loan applications are subject to company approval. Panda Credit Limited is a licensed money lender in Hong Kong and is regulated by the Money Lenders Ordinance.

— Advice: Loans must be repaid; do not pay intermediaries.

Enquiries and complaints hotline: 9505 9999
Apanda Credit Limited
Moneylender License Number: 1037/2026