Non-means Tested Loan Repayment in Cash

To repay Non-means Tested Loan in cash, please pay together with the whole demand note(s) in person at any of the Post Offices. The upper portion of the demand note will be receipted and returned to the payee.

Non-means Tested Loan Repayment by Cheque, Cashier Order and Bank Draft

Cheque, Cashier Orders and Bank drafts should be in Hong Kong Dollars, made payable to the Government of the Hong Kong Special Administrative Region and crossed. Post-dated cheque will not be accepted. You can pay by either

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Bringing the above cheque/cashier order/bank draft together with the whole demand note(s) and pay at the Post Offices; or

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Attaching the lower portion of the demand note(s) by post to the Director of Accounting Services, P.O. Box 28000, Gloucester Road Post Office, Hong Kong. Please write your loan reference number on the back of the cheque, cashier order or bank draft. No receipt will be issued for payment by post.

Non-means Tested Loan Repayment
By Payment-By-Phone Service "PPS" (24-hour payment service)

Repayment can be made by PPS through a tone phone to effect direct bank transfer. To repay NLS loan by PPS, you have to first register either through a PPS Registration Terminal or a tone phone (if you are already a PPS user). Please enter the 12-digit PPS / ATM reference number shown on the top right corner of the demand note for making repayment. Each demand note has to be registered and settled by phone individually. For repayment made by phone, no receipt will be issued by the Director of Accounting Services. The Merchant Code for Student Financial Assistance Agency is "44".

Non-means Tested Loan Repayment
By Automated Teller Machines (24-hour payment service)

Repayment can be made through the Automated Teller Machines (ATMs) affixed with the signage of "Bill Payment Service" of the Hongkong and Shanghai Banking Corporation Limited and the Hang Seng Bank Limited or with the signage of "Jet Payment" of other Banks. Please enter the 12-digit PPS/ ATM reference number shown on the top right corner of the demand note for making repayment. For repayment made by ATM, no receipt will be issued by the Director of Accounting Services. Please keep the ATM payment slip for your own record.

Non-means Tested Loan Repayment in a lump sum

To apply for repayment of loan borrowed under the NLS in a lump sum, you may either:

Come in-person or appoint your representative with your signed authorization letter to the Agency. Time for such application is:
Mondays to Fridays :
 8:45 a.m. to 1:00 p.m.
: 2:00 p.m. to 5:45 p.m.
   
The interest for outstanding loan will be calculated up to the day before your intended settlement date and a demand note for the lump sum repayment will be issued immediately. Please note that the amount payable must be settled on or before the due date set out in the demand note.
or
Send in your lump sum request in writing, by post or by fax.

Please complete the standard application form and provide us with your personal information, such as HKID No., contact telephone number, and the Loan Reference No. under which you apply for lump sum repayment. A demand note for lump sum repayment will be sent to you by post. To allow time for application processing and postal delivery, the due date will normally be set at 14 calendar days after the date of your application, and the interests will be calculated up to the day before the payment due date.

For application by fax, the date and time of fax received by the Agency will be treated as the date and time of application. For application by post, the postmark date on the envelope will be regarded as the date of application.

Please note that all applications for lump sum repayment must be applied in-person or submitted in written form. No telephone request would be entertained.

Please click here PDF (91KB) to obtain a copy of "Application form for Partial / Lump Sum Repayment of Loan under NLS".

Non-means Tested Loan Partial Repayment

For partial repayment of NLS loan, the repayment amount shall not be less than an amount determined by the Agency (currently set at HK$5,000.00) or one instalment, whichever is the greater. To apply for partial repayment of NLS Loan, you may either:

Come in-person or appoint your representative with your signed authorization letter to the Agency. Time for such application is:
Mondays to Fridays :
 8:45 a.m. to 1:00 p.m.
: 2:00 p.m. to 5:45 p.m.
   
Before commencement of repayment period, the interest on the outstanding loan will be calculated up to the day immediately preceding your intended settlement date. During repayment period, the interest on the outstanding loan will be calculated up to the due date of your next instalment. A demand note for partial repayment will be issued immediately. Please note that the amount payable must be settled on or before the due date set out in the demand note.
or
Send in your request for partial repayment in writing, by post or by fax.

Please complete the standard application form and provide us with your personal information, such as HKID No., contact telephone number, and the Loan Reference No. under which you apply for partial repayment. Please also indicate the amount you want to repay. A demand note for partial repayment will be sent to you by post. To allow time for application processing and postal delivery, the due date will normally be set at 14 calendar days after the date of your application, and the interests will be calculated up to the day before the payment due date. During repayment period, the interest will be calculated up to the due date of your next instalment.

For application by fax, the date and time of fax received by the Agency will be treated as the date and time of application. For application by post, the postmark date on the envelope will be regarded as the date of application.

Please note that all applications for partial repayment must be applied in-person or submitted in written form. No telephone request would be entertained.

Please click here PDF (91KB) to obtain a copy of "Application form for Partial / Lump Sum Repayment of Loan under NLS".

Non-means Tested Loan Repayment by e-Banking Services

Repayment can be made through the e-Banking bill payment services in the internet. For details, please refer to the following websites:

* www.jetco-online.com
* www.hsbc.com.hk
* www.hangseng.com/e-banking
* www.ppshk.com