What kind of services are provided by Boni personal loan mobile app (Boni)?

You can apply for personal loan via Boni round the clock without visiting Fubon Credit.

Are there any mobile device requirements in order to use Boni？

Currently, Boni is only available on smartphone with the following operating system requirements and functions:iOS 11.0 or above; or Android 9.0 or above;Front and back cameras;Apple Store (for iOS devices) / Google Play (for Android devices).

Where can we download Boni?

You can simply download Boni from the iOS App or Google Play Store, so as to enjoy safe and reliable loan application experience.

What kind of languages are available in Boni?

Boni is currently available in English and Traditional Chinese versions.

How do I apply for personal loan with Boni?

You can simply download Boni from the official App Store and apply for personal loan with the following requirements:(A) At least 18 or above with the Hong Kong Permanent Smart Identity Card (Smart HKID card);(B) Hong Kong resident with a valid Hong Kong address;(C) Have a registered Hong Kong mobile number;(D) Employed person;(E) A smartphone with front and back cameras running iOS / Android.

What are the application requirements for Boni Personal Loan?

Loan applicants must be Hong Kong residents aged 18 years or above, employed persons with corresponding income and employment proof, and submit the following documents to complete the application.(A) Residential address Proof(B) Income Proof (Past 3 months)(C) Bank Statement (Past 3 months)(D) Loan Agreements or Loan Account Information (if applicable)(E) Disbursement account proof (Monthly bank statement or ATM Card with your name and account number shown; for the purposes of account verification)

If I am not in Hong Kong, can I use Boni to apply for personal loan?

As long as holding a valid HKID card, you can apply for personal loan through Boni even if you are not in Hong Kong.

If I previously filed for bankruptcy, am I still eligible for Boni Personal Loan?

Boni Personal Loan application is subject to a comprehensive analysis of customer’s current financial situation, including income stability, repayment records, financial score and other information. Each application is evaluated on a case-by-case basis and may be exempted for certain requirements.

What is application process of Boni Personal Loan?

Boni loan application can be completed via Mobile App just with the below 3 steps :Submit personal Information, preliminary approval result can be available 2 minutes at the earliestUpload the supporting documentsLoan confirmation

How do I submit documents for a personal loan application?

There are simply 2 options to submit application documents :Option 1 :Tap “Application” icon on the landing page and press “Continue” under the loan in which the status is “Pending for supplementary information” Option 2 :Enter main page and choose “Continue Application” under “Shortcut” section to access to “Supplementary document” page

How long does it take to get the approval for a Boni Personal Loan?

Once the application is submitted successfully via Boni, the preliminary approval result will be available in 2 minutes at the earliest, including the loan amount, annualized percentage rate (APR) and loan tenor.

Why is there “Pre-approved loan amount” and “Higher loan amount” shown in Boni Mobile app?

Boni pre-approves a loan amount* based on the personal information provided. You can confirm and withdraw the loan without income proof. Also, you can enjoy a higher loan amount by providing additional documents for approval as required, allowing you to enjoy flexible loan options.*The pre-approved loan amount will be subject to the Fubon Credit (Hong Kong) Limited’s approval, and reserves the right to adjust the pre-approved loan amount. Customers may also be required to provide additional documents for approval.

Can I edit the information on the personal loan application via Boni? How can I make such changes?

All changes related to the personal loan application must be handled by our customer service specialist. If you would like to update your loan amount, tenor, or personal information, please email to fc.enquiry.fbhk@fubon.com or call 3767 6668.

How do I track my loan application status?

In order to provide a highly transparent loan experience, you can log in to the Boni Mobile App, and press the "Apply" icon at the bottom of the navigation menu to track and view the loan application progress, account status and records, etc.

What should I do if receive an SMS notification about the loan approval result?

You can simply log into Boni, and tap on the “Loan” icon in the navigation bar or “Loan Confirmation” shortcut to check the loan approval result and details (including approved loan amount, APR and loan tenor, etc.), and confirm the loan contract so that we can disburse your loan as soon as possible.

How long will it take my loan be disbursed into my designated account?

Once the loan contract has been confirmed by the applicant and all information has been verified, the fund transfer instruction will be completed around 1-3 days via FPS under normal circumstances. However, the final disbursement may vary depending on individual bank arrangements. Payment disbursement instruction notification will also be sent via in-app push , to inform you FPS fund transfer instruction has been implemented and remind them to pay attention to the disbursement.

You only need to reserve enough funds in the registered bank account for fund transfer, and we will automatically deduct the repayment amount from the corresponding bank account on the repayment date.For each instalment, we will add up all your repayable amounts of this loan as the repayment amount you need to pay.

Can I early settle the loan? Will there be any charges for early settlement?

If you would like to repay your loan early, please notify Fubon Credit (Hong Kong) Limited by email at fc.enquiry.fbhk@fubon.com or by calling at 3767 6668 for further assistance. Please note early repayment requires repaying a one-off full repayment of outstanding loan balance. An early repayment fee will be charged as below:5.00% of Principal Loan Amount or HK$500 (whichever is higher) within the first 12 monthly instalments;3.00% of Principal Loan Amount or HK$500 (whichever is higher) after the first 12 monthly instalments.

Why do I need to take a photo of my HKID card during the application of Boni Personal Loan ?

When applying for a Boni personal loan, you must take a photo of your HKID card for identity verification to protect your account security.

Will Fubon Credit (Hong Kong) Limited and Boni retain my HKID card information and selfie images during the loan application?

During the application of Boni Personal Loan, all personal information you have provided (including but not limited to HKID card or selfie image, etc.) will be used or retained in accordance with the relevant terms and provisions under Fubon Credit (Hong Kong) Limited’s "Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance and Consumer Credit Data".

Why do I neither capture my HKID card nor take selfie successfully during identity verification?

Various factors may affect the accuracy of identity verification, including the environment in which your HKID card and / or selfie is taken (e.g. glare), scratches and / or damages on HKID card, etc. While capturing HKID card and taking selfie, please follow the instructions on the app and ensure you are in a well-lighted environment. In addition, please ensure your HKID card is placed on a flat and white surface, and avoid any part of the HKID card and information are being blocked by light reflection and / or shadow.

What should I take notice during the facial verification?

During the photo-taking for facial verification, please remember to:1. remove all accessories (e.g., hat, sunglasses, mask);2. position your eyes within the circles;3. use a smartphone with a functioning front camera and under a stable network environment.

What is the purpose of biometric authentication or PIN code? How do I activate this function?

In order to protect your account security, Boni features biometric authentication or PIN code function to verify customer identity. You can follow the system instructions to set up biometric authentication or an 8-digit PIN code, so as to perform subsequent process.2 steps to activate the biometric authentication or PIN code:Tap "Settings" on the hamburger menu of the landing page;Enable the “biometric authentication” or “PIN authentication” button.

What can I do if I don’t want to receive direct marketing promotional messages from Fubon Credit?

If you do not wish to receive any direct marketing promotional message from Fubon Credit, you can opt-out by the following 3 ways :1. Contact us via email at fc.enquiry.fbhk@fubon.com or call 3767 6668.2. Tap “Setting” from the hamburger menu in Boni Mobile App, login the account and turn off “In App Message” button under “Promotion Notification” section (For not to receive in-app direct marketing push notification only), or3. Before submitting the loan application, on “Loan Information” Page, turn on the “I do not consent Fubon Credit to use my personal data in direct marketing and I do not wish to receive any direct marketing materials or messages from Fubon Credit.” button.For the customers who have already submitted their loan applications, please contact us via email at fc.enquiry.fbhk@fubon.com or call 3767 6668

How safe and confidential is my personal information in Fubon Credit? How does Fubon Credit protect and handle customer data and privacy?

In Fubon Credit, safeguarding all personal information and privacy from each surfer and customer are extremely important. Strict privacy measures are taken to ensure the utmost security to all shared information. For more details on Fubon Credit (Hong Kong) Limited privacy policy, please refer to the Privacy Policy Statement via “Terms and Conditions” Page at Boni Mobile App.

Answer your questions about Boni Personal Loan|Frequency Asked Question| Boni

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FREQUENTLY ASKED QUESTION

About Boni App

Eligibility

Application & Documents Submission

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Repayment & Fees

Identity Verification & Security

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