Tiptop Credit's "Debt Consolidation" loan

Conventional credit cards often carry high interest rates, and minimum monthly payments can lead to accumulating debt, especially when combined with personal loans or other obligations. Our "Debt Consolidation" loan provides a personalized interest rate solution to consolidate multiple credit cards or debts into one. It offers a structured repayment plan to gradually eliminate your debts.

Is it a good idea to consolidate your debts? ? Tiptop Credit helps to improving your TU score

Improving Credit Rating

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Debt Consolidation save up to 80% on interest

Save Up to 80% on Interest

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Debt Consolidation is large-scale loan to suit your financial needs

Large-Scale Loan

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Debt Condsolidation sovles debt difficulties, heavy debt and Monthly Min Pay

Debt Consolidation Pros and Cons

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Debt Consolidation: Escape High Interest & Simplify Payments with Tiptop Credit Tired of juggling high-interest debts? Tiptop Credit's Debt Consolidation goes beyond a personal loan. We offer: 

-Lower Rates: Compared to personal loans, credit cards, & overdrafts. 
-Consolidate All Debt: Simplify payments with 1 loan for all your debts. 
-Flexible Repayment: Tell us your budget, we'll create a manageable plan. 
-Transparency is Key: Be honest about your situation for a permanent solution to short & long-term debt.

Improving Credit Rating

Tiptop Credit's 'Debt Consolidation' loan allows you to conveniently make a single monthly payment to consolidate and clear all your loans. Say goodbye to multiple payments to different financial institutions each month, avoiding late payments and boosting your TU credit rating.

Save Up to 80% on Interest

Tiptop Credit's 'Debt Consolidation' clears multiple debts, including credit card balances and external debts. Save up to 80% on interest charges, making monthly repayments manageable and easier.

Large-Scale Loan

Loan amounts
Loan amounts of up to 1 million or 18 times monthly salary (whichever is lower) are available. We tailor the loan amount to suit your needs and develop a suitable repayment plan. This helps you clear all your credit card debts and personal loans at once, freeing you from the burden of high-interest rates. 

APR
Our effective annual interest rates generally fall between 4.82% and 36%. These rates comply with Section 24.1 of the Money Lenders Ordinance, which mandates that loan interest rates must not exceed an actual interest rate of 48% per annum for the loan amount or offer. 

The following loan calculation is provided for reference:
Loan amount: HK$100,000
Repayment term: 12 months
Effective annual interest rate: 4.82%
Total repayment amount: HK$101,628

Debt Consolidation Pros and Cons

Debt Consolidation Videos: "Loans & Borrowing" Series "
Loans & Borrowing" Series presented by Dr. Victor Wong on YouTube. Each episode is 3-4 minutes long, educating the public on various types of loans and borrowing. For valuable insights on Debt Consolidation, watch the " Loans & Borrows" videos below.
-The difference between debt consolidation and credit card consolidation?
-The difference between Debt Consolidation and Individual Voluntary Arrangement?

To apply for a Debt Consolidation, please visit our website, visit a branch in person, call our customer service manager at 288 77 200, or inquire through WhatsApp at 6186 3803.

Our company reserves the right to make the final decision on loan interest rates and amounts, subject to the relevant terms and conditions.

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HK$
months
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  1. The loan amount should be between $5,000 and $1,000,000.
  2.  The monthly installment calculation is for reference purposes only. 
  3. Our company reserves the right to determine the final approval of the loan interest and amount, subject to applicable terms and conditions.

Monthly repaymentHK$856

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HK$
months
%
  1. The loan amount should be between $5,000 and $1,000,000.
  2.  The monthly installment calculation is for reference purposes only. 
  3. Our company reserves the right to determine the final approval of the loan interest and amount, subject to applicable terms and conditions.

Monthly repaymentHK$856