Technology-supported · Clear follow-up · Privacy-conscious
A clearer, more convenient and secure loan application experience
We use technology to support data processing and risk analysis, together with dedicated human follow-up, to understand customers’ needs more quickly and accurately, recommend more suitable loan options, and make the application journey simpler and smoother.
Loan services
Options for different financial needs
Revolving Standby Cash
A flexible standby option for everyday cash flow, planned expenses or unexpected short-term funding needs.
Tax Loan
Helps customers plan for tax-related expenses while maintaining greater stability in everyday personal or household cash flow.
Homeowner Preferential Loan
A dedicated option for Hong Kong property owners considering personal, household or home-improvement funding needs.
Small Business Loan
Supports local small businesses with operational cash flow, inventory, equipment or business-development needs.
Professional Development Loan
Supports working adults with course, examination, training or professional-certification expenses.
Not sure where to begin?
Review the product information or speak with the team about general application requirements.
Why Vivi Finance
Technology efficiency with professional consultant support
Clear choices
A consultant first seeks to understand your intended use and needs, then explains suitable loan options in clear, straightforward language.
Professional follow-up
A professional consultant helps organise basic information, answers questions and follows the application journey, reducing unnecessary repeated steps.
Technology support
Technology assists data consolidation and risk analysis for faster, more accurate handling, alongside friendly and responsible service.
Application process
Four efficient steps with professional consultant support
1. Understand your needs
Review the intended use first; a professional consultant can help identify a more suitable product direction.
2. Submit basic information
Provide basic information through a simple, mobile-friendly journey, with friendly assistance available when needed.
3. Technology-supported review
Technology helps consolidate and check information, improving processing speed and accuracy while supporting risk management.
4. Personal follow-up
A professional consultant follows up clearly and courteously, answers questions and explains the next step.
Technology-assisted assessment
Technology-supported review for greater speed and accuracy
We use technology to simplify data submission and organisation, consolidate application information, perform consistency checks and support risk management. This helps make the review process faster, clearer and more accurate, with every application followed up by our professional team.
Frequently asked questions
Before you apply
Does submitting an application guarantee approval?
What documents might be requested?
Identity, address, income, tax, property or business documents may be requested depending on the product and application.
Can I upload sensitive documents online?
Not through this draft. Sensitive uploads remain disabled until protected non-public storage, access controls, malware scanning and retention procedures are approved.
Ready to understand the next step?
Start with basic contact and product information. Do not enter identity numbers, bank details or sensitive documents into a general message field.
Warning: You have to repay your loans. Don’t pay any intermediaries.