Step 1
Log into your livi bank app and tap on the "Loan" tab then livi Flexi Loan "Balance Transfer" to start your application.
livi Flexi Loan “Balance Transfer”
Save up to 96% interest^
Get trapped in a spiral of card bills and loans? No worries! livi helps you out with the best solution.
livi Flexi Loan "Balance Transfer" helps you save money while paying off all your loans with saved interest up to 96%^.
livi's all-new Flexi Loan “Balance Transfer”
Save interest expenses and get out of loans with our total solution. A revolving stand-by cash* is offered to ease your burden!
Save Interest Expenses up to 96%^
Combine and clear your outstanding card bills and loans to help you save on interest expenses with no handling fee, while focusing on one repayment with a single due date let you manage your payments much easier.
Loan Amount up to 21X of Monthly Salary
Enjoy loan amount up to HKD2,000,000 and choose to repay from 3 months to 72 months with flexibility.
Get Extra Cash* at Ease
Apply for "Balance Transfer" and get livi Flexi Loan "Personal Loan" with just one application. Get extra cash up to HKD1,000,000.*
Customized Repayment Solutions
Enjoy customized repayment solutions created by our team of professionals based on your financial status. Whether you want to extend the repayment period, or ease your burden by saving interest, we will help to meet your needs! Apply it 24 x 7 online through our app!
How it works
Step 1
Log into your livi bank app and tap on the "Loan" tab then livi Flexi Loan "Balance Transfer" to start your application.
Step 2
Submit your application and our livi professionals will contact you to create a customized plan.
Step 2
Submit your application and our livi professionals will contact you to create a customized plan.
Step 3
After you accept the offer, your outstanding debts will be settled by livi, and extra cash (if any) will be credited to your liviSave account.
Step 3
After you accept the offer, your outstanding debts will be settled by livi, and extra cash (if any) will be credited to your liviSave account.
Step 1
Drawdown extra cash through livi Flexi Loan "Personal Loan" at the time of application.
Step 1
Drawdown extra cash through livi Flexi Loan "Personal Loan" at the time of application.
Step 2
Once you have repaid 3 instalments, the maximum reborrow amount available will be shown on screen.
Step 2
Once you have repaid 3 instalments, the maximum reborrow amount available will be shown on screen.
Step 3
Confirm your drawdown loan amount and repayment period, and enjoy instant cash credited to your liviSave account!
Step 3
Confirm your drawdown loan amount and repayment period, and enjoy instant cash credited to your liviSave account!
Log into your livi bank app and tap on the "Loan" tab then livi Flexi Loan "Balance Transfer" to start your application.
Submit your application and our livi professionals will contact you to create a customized plan.
After you accept the offer, your outstanding debts will be settled by livi, and extra cash (if any) will be credited to your liviSave account.
Drawdown extra cash through livi Flexi Loan "Personal Loan" at the time of application.
Once you have repaid 3 instalments, the maximum reborrow amount available will be shown on screen.
Confirm your drawdown loan amount and repayment period, and enjoy instant cash credited to your liviSave account!
Related Product
When it comes to living it up, are you bounded by the lack of funds?livi Flexi Loan "Personal Loan" can help you out!
Questions and Answers
livi Flexi Loan "Balance Transfer" is a personal loan product with a loan amount of up to HKD2,000,000 and a repayment period of up to 72 months. You only need to apply for it once, and you can consolidate all your credit cards' outstanding and loan balances from different banks and financial institutions and have a tailor-made fixed instalment repayment plan for you to save on interest expenses. In addition, you can apply for an additional revolving credit facility (that is livi Flexi Loan "Personal Loan") upon the same application for extra cash. The extra cash amount will be disbursed to your liviSave account.
You need to be a Hong Kong resident with a liviSave account. You can apply as long as you have a proof of income. If you are new to livi, a liviSave account will be created for you for loan disbursements and monthly repayments.
You can repay the balances of general credit card or personal loan accounts, but you can’t repay a livi PayLater or livi Flexi Loan "Personal Loan" through livi Flexi Loan "Balance Transfer".
Remarks
*If you apply for livi Flexi Loan "Balance Transfer", an additional revolving credit facility (livi Flexi Loan "Personal Loan") may be granted, depending on your needs and subject to the Bank's approval. The range of APR for livi Flexi Loan "Personal Loan" is from 1.87% to 35%.
^The example is calculated based on an annual interest rate of 30% charged by a general credit card on a monthly repayment of 1% of the credit card outstanding balance or HKD100 (whichever is higher) with a 474-month repayment period. The Annualised Percentage Rate (APR) is 34.46%. For livi Flexi Loan "Balance Transfer", it is calculated based on a monthly flat rate of 0.25% with a 36-month repayment period. The total repayment amount is HKD218,000. The Annualised Percentage Rate (APR) is 5.83%. The total interest expenses over the whole repayment period quoted above are rounded to the nearest dollars. The example is for reference only.
Terms and Conditions apply
To borrow or not to borrow? Borrow only if you can repay!
Please refer to Key Facts Statement, relevant terms and conditions and remarks for livi Flexi Loan “Balance Transfer" and livi Flexi Loan “Personal Loan" at livi website or app.