Get Nice Holdings Limited (0064) announced that on 9 February 2026, its indirect wholly owned subsidiary, Get Nice Finance Company Limited, entered into a loan agreement with VCREDIT Finance Limited. According to the agreement, a 12-month loan of HK$200 million will be provided at an annual interest rate of 8.75%. The principal is repayable at maturity, and interest will be repaid on a monthly basis. VCREDIT Finance Limited may extend the loan for an additional 12 months by providing written notice at least 14 days before the original maturity date.

The borrower has the option of early repayment in multiples of HK$5 million without incurring penalties, given seven business days’ advance notice. The loan is guaranteed by VCREDIT Holdings Limited (2003), the holding company of the borrower. The transaction is considered a discloseable transaction under the Listing Rules, and the group will fund the loan using general working capital.

VCREDIT Finance Limited is a Hong Kong–incorporated company focused on money lending and is an indirect subsidiary of VCREDIT Holdings Limited. The lender, Get Nice Finance Company Limited, is a licensed money lender in Hong Kong. According to the announcement, the transaction aligns with the ordinary course of the group’s business activities, and the expected interest income is projected to provide a stable revenue and cash flow stream.