Step 1: Choose your loan product Select a suitable loan product that best fits your financial needs. Step 2: Application and assessment Fill in the application form and submit it together with the required documents. We will evaluate your financial position and assess your repayment ability accordingly. Step 3: Loan approval result Our Loan Specialist will contact you regarding the loan application within 3 working days upon receipt of all required documents. If a loan is approved, we will contact you to proceed phone confirmation process or to visit branch to go through the loan disbursement process. Step 4: Loan disbursement After signing the drawdown letter, we will arrange direct payments to settle your credit card outstanding balances and loans from other financial institutions (only applicable to Card Debt Consolidation Loan) and/or disburse your approved loan amount by cash, check or credit into your designated bank account. Step 5: Repayment To make repayment easier and avoid any charges caused by late repayment, we will help you set up a direct debit authorization; your loan repayments will be debited directly from your designated bank account on a monthly basis.