Find the Best Loan Deals In Hong Kong

When it comes to finding the best loan deals in Hong Kong, MoneyHero offers a convenient solution. E …
Getting the best offers for you...

Having questions when selecting the best loans?

What exclusive offers will be provided if you apply for loans with MoneyHero?

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When you apply for loans through MoneyHero, you can enjoy a range of exclusive offers designed to enhance your borrowing experience. Each financial institution offers different loan products which may include rewards such as cashback rewards, supermarket coupons, Apple gift cards, and opportunities to participate in lucky draws. By leveraging these exclusive benefits, not only will you secure the best loan rates but also enjoy additional perks that add value to your financial transactions.

How to redeem MoneyHero's exclusive offers?

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To redeem MoneyHero's exclusive offers, follow these simple steps:

  1. Turn off AdBlocker and private mode for the applications (never use incognito mode for applications) .
  2. DO NOT click any advertisements or browse any website when conducting applications, if not, the concerned bank or institutions may not recognise the applications from MoneyHero.
  3. Ensure that you have completed all the fields in the application form.
  4. After submitting the application, you need to send an email with the name of the applied product, application date, and screen capture of approval SMS or Email notification to support@moneyhero.com.hk within 7 days after successful approval of credit card or personal loan via MoneyHero.
  5. Once received your email, we will send an email which Reward Redemption Form is attached therein. Please complete the form within 7 days once received.

Promotions and campaigns terms and conditions may change from time to time, please visit their respective terms and conditions, which will be provided separately.

Does MoneyHero's exclusive loan offers only apply to new customers?

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MoneyHero's exclusive loan offers may be available to both new and existing customers, others may be targeted exclusively at new customers, depending on the specific promotion and the financial product or service provider. We suggest carefully reviewing the terms and conditions of each individual offer on the MoneyHero website. You can contact MoneyHero's customer support to provide clarification on the eligibility criteria for any particular offer you are interested in.

How to redeem rewards after successful loan applications?

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Depending on the type of reward, it is best to check the terms and conditions on how these rewards can be redeemed. This could involve submitting a redemption form, providing necessary documentation, or contacting customer support. Keep in mind that some rewards may require the loan to be disbursed or a specific period to pass before becoming eligible for redemption.

If my loan application is rejected, can I still redeem the rewards?

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Depending on the financial institution and loan product, if your loan application is rejected, you may not be eligible to redeem the rewards associated with that specific loan offer. Rewards are typically tied to successful loan applications and are meant to incentivise borrowers to complete the loan process.

Loans With The Best Offers In Terms Of Cash Value

Financial institutions might offer cash coupons and a substantial cash back amount for you to take out a loan with a minimum loan amount or meeting specific eligibility requirements. It can provide immediate financial benefits and potentially offset some of the costs associated with borrowing. For instance, Citibank and Standard Chartered frequently collaborate with MoneyHero to offer promotions that provide supermarket coupons.

Loans With The Lowest Loan Rates

From the best online loans with instant approval to no-doc loans, MoneyHero presents you with exclusive access to competitive loan rates, empowering you to make well-informed decisions and find the most suitable financing options for your specific requirements. Take WeLend and Prime Credit as examples, they often offer MoneyHero users a highly competitive Annual Percentage Rate (APR) as low as under 1.2%.

Overview of Popular Loan Products on MoneyHero: Repayment Periods and Maximum Annual Percentage Rates (APR)

Loan product Repayment period Highest APR Example
Promise Easy Loan 3 Months - 84 Months 4.49% or above, the highest is 48% Loan amount of HK$200,000 with a 36-month repayment period, at an APR of 4.49%, the monthly repayment amount is HK$5,940, and a total repayment amount of HK$213,840
PrimeCredit Fixed Loan 3 Months - 72 Months 1.18% or above，the highest is 48% The monthly repayment amount is HK$839, the total interest expense is HK$68, and the total repayment amount is HK$10,068 for a Loan amount of HK$10,000 with an interest rate of 0.6% per annum and a repayment period of 12 months
WeLend Personal Loan 3 Months - 84 Months 1.88% or above, the highest is 48% Loan amount of of HK$240,000 with a 36-month repayment period, at an APR of 3.03%, the total repayment amount is HK$251,189
DBS Debt Consolidation Loan 3 Months - 84 Months 6.38% or above, the highest is 30.57%
Loan amount of HK$200,000 with a 48-month repayment period, at an APR of 10.42%, inclusive of a 2% loan opening fee, a monthly repayment amount of HK$4,967, and a total interest expense of HK$38,416
UA「NO SHOW」Personal Loan 3 Months - 60 Months 1.68% or above, the highest is 48.00% Loan amount of HK$10,000, at an APR of 30%, 6 months instalment, the monthly repayment amount is HK$1,815, total repayment of HK$10,890
Standard Chartered Personal Instalment Loan 12 Months - 60 Months 1.85% or above, the highest is 36% Loan amount of HK$200,000 with a 24-month repayment period, at an APR of 6.28%, the monthly repayment amount is HK$8,873.33 repayment per month and a total interest expense of HK$12,960
CNCBI $mart Plus Personal Instalment Loan 12 Months - 72 Months 1.65% or above, the highest is 38.08% Loan amount of HK$200,000 with a 24-month repayment period, at an APR of 5.03%, handling fee of 1% of loan amount per annum, handling fee of HK$4,000 for the whole term, flat rate per month: 0.129%, total interest for the whole period of HK$6,192
Citi Speedy Cash Personal Loan 6 Months - 60 Months 1.78% or above, the highest is 35.78% Loan amount of HK$3,500,000 with a 12-month repayment period, at an APR as low as 1.78%
PrimeCredit Civil Servant & Professional Loan 3 Months - 72 Months 1.18% or above, the highest is 48% Loan amount of HK$10,000 with a 12-month repayment period, at an interest rate of 0.6% per annum, the monthly repayment amount is HK$839, the total interest expense is HK$68, and the total repayment amount is HK$10,068
CNCBI $mart Plus Personal Installment Loan - Debt Consolidation 12 Months - 60 Months 7.33% or above, the highest is 38.08% Loan amount of HK$20,000 with a 60-month repayment period, at an APR of 6.89%, fixed monthly fee of 0.20%, inclusive of 1% handling fee per annum, monthly repayment amount is HK$373
BOC Express Cash Instalment Loan Balance Transfer 12 Months - 60 Months 5.93% or above, the highest is 32.51%。 Loan amount of HK$20,000 with a 24-month repayment period, at an APR of 10.01%, inclusive of 1% handling fee per annum, monthly repayment amount is HK$9,173
CCB (Asia) Personal Instalment Loan 6 Months - 60 Months 1.56% or above, the highest is 13.00% Loan amount of HK$400,000 with a repayment period of 60 months, with a monthly repayment amount of HK$7,747
WeLend Card Debt Consolidation Loan 3 Months - 84 Months 1.88% or above, the highest is 48% Loan amount of HK$360,000 with a repayment period of 60 months, at an APR of 8.05%, and the total repayment amount is HK$422,578
PrimeCredit Balance Transfer Loan 3 Months - 72 Months 1.18% or above, the highest is 48% Loan amount of HK$10,000 with a repayment period of 12 months, at an interest rate of 0.6% per annum, the monthly repayment amount is HK$839, the total interest expense is HK$68, and the total repayment amount is HK$10,068
AEON Flexi Loan 6 Months - 60 Months 4.49% or above, the highest is 36% Loan amount of HK$600,000 with a repayment period of 12 months, at an APR of 4.49%, total interest of HK$14,400 and total repayment of HK$614,400.
Hang Seng Debt Consolidation Instalment Loan 6 Months - 72 Months 6.68% or above, the highest is 36% Loan amount of HK$150,000 with a repayment period of 72 months, at an APR of 4.63%, and a total loan repayment amount of HK$171,604.80.
UA i-Money Express Online Personal Loan 3 Months - 60 Months 1.68% or above, the highest is 36% Loan amount of HK$10,000 with a repayment period of 6 months, at an APR of 30%, a monthly repayment amount of HK$1,815, and a total repayment amount of HK$10,890
Promise Easy Loan 3 Months - 84 Months 1.12% or above, the highest is 48% Loan amount of HK$200,000 with a repayment period of 36 months, at an APR of 4.49%, a monthly repayment amount is HK$5,940 and a total repayment amount of HK$213,840
CreFIT ClearCard Debt 3 Months - 24 Months 1.98% or above, the highest is 36% Loan amount of HK$200,000 with a repayment period of 24 months, at an APR of 8%, a monthly repayment amount is HK$9,019.33 and a total repayment amount of HK$16,464.00
OCBC Bank Personal Loan 6 Months - 60 Months 2.16% or above, the highest is 36% Loan amount of HK$1,500,000 with a repayment period of 12 months, at an APR of 2.16% (including HK$9,000 cash rebate) or 3.30% (excluding cash rebate), inclduing the annual 1% handing fee, total repayment amount is HK$16,464.00