MoneyHero.com.hk Exclusive Offer:
Cash rebate up to HK$3,000 and HK$400 supermarket coupon
Loan amount up to 12X monthly salary, 60 months repayment
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MoneyHero.com.hk's Providers
“Super-Fast” Instalment Loan
Loan amount up to 12X monthly salary, 60 months repayment
Features
Successfully apply and draw down from 15th April to 16th June, 2019 to enjoy the following
- 0% arrangement fee
- APR as low as 2.17%
- Loan amount of up to 12 times your monthly basic salary (maximum HK$1,200,000)
- Cash rebate of up to HK$3,000 and HK$400 supermarket coupon for new customers
APR as low as 2.17% is for reference only. (This includes the cash rebate up to HK$3,000 and supermarket coupon of HK$400 for new customers who apply via MoneyHero.com.hk and draw down a loan by 16th June, 2019. It is calculated as for a loan amount of HK$800,000, with a monthly flat rate of 0.1330%, and a repayment period of 12 months.) Please note that actual APRs may differ.
New Customers who successfully apply for a “Super-Fast” Instalment Loan via MoneyHero through the Internet or their mobile phone and draw down a designated loan amount with designated repayment period by 16th June, 2019 will be eligible for a cash rebate of up to HK$3,000 and supermarket coupon of HK$400.
“New customers” refers to those customers who have not held any BEA deposit account, mortgage loan, consumer loan, credit card, or MPF account in the 6 months prior to the application submission date. BEA reserves the final right to interpret the definition of “new customers”.
| Loan amount drawn (HK$) | Cash Rebate / Supermarket Coupon and Repayment Period |
|---|---|
| 12 months - 60 months | |
| 100,000 – 299,999 | HK$600 cash rebate + HK$400 supermarket coupon |
| 300,000 – 799,999 | HK$1,000 cash rebate + HK$400 supermarket coupon |
| 800,000 – 1,200,000 | HK$3,000 cash rebate + HK$400 supermarket coupon |
The customer must have a minimum monthly basic salary of HK$5,000 and have been employed by his/her present employer for at least 3 months.
Cash rebate (if applicable) will be credited to the customer’s repayment account 4 – 6 weeks after the loan drawdown date.
Supermarket coupon redemption email (if applicable) will be sent to the eligible customer’s correspondence email address by MoneyHero.com.hk on or before 31st July, 2019.
In case of dispute, the decision of MoneyHero.com.hk and BEA shall be final and conclusive.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
Personal Loan
MoneyHero.com.hk Exclusive Offer:
Up to HK$1,800 cash coupon (including HK$800 exclusive reward) for successful applications via MoneyHero.com.hk and drawdown of the approved loan.
Annualized Percentage Rate (“APR”) as low as 3.70% (calculated based on monthly flat rate 0.08% with loan amount of HK$100,000 and repayment period of 12 months); Actual APR may vary due to different loan amount and tenor
Annualized Percentage Rate (“APR”) as low as 3.70% (calculated based on monthly flat rate 0.08% with loan amount of HK$100,000 and repayment period of 12 months); Actual APR may vary due to different loan amount and tenor
Features
From 7 March to 31 August 2019 (both dates inclusive), new customers* who successfully apply and drawdown specific instalment loan amounts with OCBC Wing Hang Credit Limited will be entitled to supermarket cash coupon from the company as follows:
| Loan amount (HK$) | Supermarket Cash Coupon (HK$) |
|---|---|
| 300,000 or above | 1,000 |
| 100,000 to 299,999 | 300 |
| 30,000 to 99,999 | 100 |
From 7 March to 31 August 2019, new customers will also be entitled to HK$800 exclusive reward from Moneyhero.com.hk by successful application via MoneyHero.com.hk and drawdown of the approved loan with OCBC Wing Hang Credit Limited.
APR as low as 3.70%
Loan repayment tenor can be as long as 60 months
Loan amount of up to 18 times of your monthly basic salary (maximum HK$1,800,000)
*“new customers” refer to those customers who have not opened or maintained (whether in the customer's sole name or jointly with any third party) any loan account (including but not limited to Instalment Loan, Mortgage and Revolving Credit) with OCBC Wing Hang Credit Limited at any time during the 1 month immediately preceding the date of the new customers' loan application.
The cash coupons from OCBC Wing Hang Credit Limited will be mailed to the new customers' correspondence address within 2 months after the date of drawdown of the loan.
The promotion is only applicable to new customers without any past due within 2 months from the date of drawdown. If the customers' loan account is not in good standing or the customers have made an early settlement of the loan, the customers' right to receive the cash coupons from the Company will be forfeited.
To redeem from MoneyHero.com.hk the exclusive rewards, please send your drawdown letter* to coupon@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.
- *For your information security, please cover your private information, such as home address, but leave your name and reference number to verify that your application has been approved.
- Promotional period: From 7 March to 31 August 2019
Annualized percentage rate ("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate.
Before you make request for early repayment for Instalment loan, please refer to FAQ" of OCBC Wing Hang Credit Limited website.
Terms and conditions apply. For details, please visit OCBC Wing Hang Credit Limited website.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
Speedy Cash
Popular:
[Offer till 30 June 2019] Up to HK$5,300 Wellcome cash coupon for successful applications via MoneyHero.com.hk
Annualized Percentage Rate as low as 2.23% (calculation based on the monthly flat rate 0.1% with loan amount of HK$1,500,000 and repayment period of 12 months); The Actual APR may vary for individual customers
Annualized Percentage Rate as low as 2.23% (calculation based on the monthly flat rate 0.1% with loan amount of HK$1,500,000 and repayment period of 12 months); The Actual APR may vary for individual customers
Features
From 1 to 30 June 2019, customers are entitled to exclusive supermarket coupon by successful application via MoneyHero.com.hk. Details are as followed:
| Loan Amount successfully applied and approved via MoneyHero.com.hk | Exclusive Supermarket coupon |
| HK$800,000 or above | HK$4,000 |
| HK$500,000 to HK$799,999 | HK$2,000 |
| HK$300,000 to HK$499,999 | HK$1,500 |
| HK$200,000 to HK$299,999 | HK$1,000 |
New Customers who successfully apply for Citi Speedy Cash from 1 April to 30 June 2019, both dates inclusive, and drawn down on or before 15 July 2019 with a specific loan amount and repayment term 12 months or above will be eligible for the following welcome Offer:
| Loan Amount | Mass Offer |
| HK$600,000 or above | HK$1,300 cash coupon |
| HK$400,000 to HK$599,999 | HK$800 cash coupon |
| HK$200,000 to HK$399,999 | HK$400 cash coupon |
Repayment term up to 60 months + $0 handling fee
Loan amount up to HK$2,000,000
Offer for reference only
Annualized Percentage Rate as low as 2.23%. The calculation based on the monthly flat rate 0.1% with loan amount of HK$1,500,000 and repayment period of 12 months. The actual APR applicable may differ. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
“Super-Fast” Debt Clearance Plan
MoneyHero.com.hk Exclusive Offer:
Up to HK$5,000 cash rebate (including HK$3,200 exclusive reward) for successful applications via MoneyHero.com.hk during 1 to 30 June 2019. Please click “See more” for more details.
Features
From 1 to 30 June 2019, customers are entitled to following offers:
- APR as low as 2.91%
- Repayment period of up to 72 months
- Loan amount of up to 21 times your monthly basic salary (maximum HK$1,200,000)
- New customers of The Bank of East Asia are entitled to following exclusive offers for successful applications via MoneyHero.com.hk during 1 to 30 June 2019 and drawn down before 31 July 2019
| Draw Down Loan Amount (HK$) | Cash rebate for 12 to 24 months repayment period |
| 1,000,000 – 1,200,000 | HK$2,650 |
| 500,000 – 999,999 | HK$1,250 |
| 200,000 – 499,999 | HK$850 |
| 50,000 – 199,999 | HK$450 |
| Draw Down Loan Amount (HK$) | Cash rebate for 36 months or above repayment period |
| 1,000,000 – 1,200,000 | HK$5,000 |
| 500,000 – 999,999 | HK$2,050 |
| 200,000 – 499,999 | HK$1,300 |
| 50,000 – 199,999 | HK$600 |
*“New customers” refers to those customers who have not held any BEA deposit account, mortgage loan, consumer loan, credit card, or MPF account in the 6 months prior to the application submission date. BEA reserves the final right to interpret the definition of “new customers”.
The welcome offers for BEA new customers and rewards for online applications cannot be entitled if customers are rewarded for MoneyHero.com.hk exclusive offers.
Cash rebate(s) will be credited to the customer’s repayment account 4 - 6 weeks after the loan draw down date.
The Annualized Percentage Rate ("APR") of 2.91% is calculated based on a monthly flat rate of 0.03%, a loan amount of HK$100,000 and a 12-month repayment period. The APR is calculated according to the standard method set out in the Code of Banking Practice and is rounded up or down to the nearest 2 decimal places. Please note that the actual APR may differ.
In the event of any dispute, the decision of MoneyHero.com.hk and BEA shall be final and conclusive.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
Standard Chartered Personal Instalment Loan
MoneyHero.com.hk Exclusive Offer:
Up to HK$500 + exclusive HK$1,100 supermarket cash coupon for successful applications of specific loan amounts via MoneyHero.com.hk
0% Handling fee; APR as low as 2.96%; Online Service Pledge
0% Handling fee; APR as low as 2.96%; Online Service Pledge
Features
From 1 May to 30 September 2019, new applicants who successfully apply loan amounts of HK$50,000 to HK$199,999 is entitled for welcome offer HK$200 supermarket cash coupon from Standard Chartered Bank; welcome offer HK$500 supermarket cash coupon for loan amounts of HK$200,000 or above.
Applicants who successfully apply loan amount of HK$100,000 or above via MoneyHero.com.hk is entitled for exclusive HK$1,100 supermarket cash coupon
0% handling fee
Maximum loan amount of up to 18X monthly salary or HK$2,000,000 (whichever is lower)
Max Loan Repayment Tenure: 60 months
Online Service Pledge for application submitted before noon will be followed up within the same business day
To redeem from MoneyHero.com.hk the exclusive rewards, please send your drawdown letter to coupon@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.
For your information security, please cover your private information, such as home address, but leave your name, drawdown amount and reference number to verify that your application has been approved.
Promotional period: From 1 to 31 May 2019
For your information security, please cover your private information, such as home address, but leave your name, drawdown amount and reference number to verify that your application has been approved.
Promotional period: From 1 to 31 May 2019
The APR and Monthly Flat Rate shown in HK$700,000 or above are the special promotion for selected clients who are also existing Priority Banking clients.
The Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
Standard Chartered Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.
Eligibility: With fixed annual income of HK$96,000 or above; and Hong Kong permanent residents aged 20 or above
The monthly flat rate shown above was rounded to 2 decimal places and for reference only
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
Standard Chartered Debt Consolidation Program
MoneyHero.com.hk Exclusive Offer:
Up to HK$1,000 + exclusive HK$1,800 supermarket cash coupon for successful applications of specific loan amounts via MoneyHero.com.hk
Monthly flat rate as low as 0.164%; Loan amount up to 18X monthly salary; 72 months repayment
Monthly flat rate as low as 0.164%; Loan amount up to 18X monthly salary; 72 months repayment
Features
From 1 to 30 June 2019, new applicants who successfully apply loan amount of HK$200,000 to HK$499,999 is entitled for welcome offer HK$500 supermarket cash coupon from Standard Chartered Bank; welcome offer of HK$1,000 supermarket cash coupon for loan amount of HK$500,000 or above
Applicants who successfully apply loan amount less than HK$200,000 via MoneyHero.com.hk is entitled for exclusive HK$800 supermarket cash coupon; exclusive HK$1,800 supermarket cash coupon for loan amount of HK$200,000 or above
0% handling fee
Maximum loan amount of up to 18X monthly salary or HK$2,000,000 (whichever is lower)
Max Loan Repayment Tenure: 72 months
Online Service Pledge for application submitted before noon will be followed up within the same business day
To redeem from MoneyHero.com.hk the exclusive rewards, please send your drawdown letter to coupon@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.
For your information security, please cover your private information, such as home address, but leave your name, drawdown amount and reference number to verify that your application has been approved.
Promotional period: 1 to 30 June 2019
For your information security, please cover your private information, such as home address, but leave your name, drawdown amount and reference number to verify that your application has been approved.
Promotional period: 1 to 30 June 2019
The APR and Monthly Flat Rate shown in HK$700,000 or above are the special offer to selected clients who are also holding a mortgage loan.
The Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
Standard Chartered Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.
Eligibility: With fixed annual income of HK$96,000 or above; and Hong Kong permanent residents aged 20 or above
The monthly flat rate shown above was rounded to 2 decimal places and for reference only.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
Balance Transfer
MoneyHero.com.hk Exclusive Offer:
Up to HK$4,000 Wellcome cash coupon for successful applications via MoneyHero.com.hk
Annualized Percentage Rate as low as 2.23% and monthly flat rate 0.1% (calculation included 30% interest discount); The Actual APR may vary for individual customers
Annualized Percentage Rate as low as 2.23% and monthly flat rate 0.1% (calculation included 30% interest discount); The Actual APR may vary for individual customers
Features
From 1 to 30 June 2019, customers are entitled to exclusive supermarket coupon by successful application via MoneyHero.com.hk. Details are as followed:
| Loan Amount successfully applied and approved via MoneyHero.com.hk | Exclusive Supermarket coupon |
| HK$800,000 or above | HK$4,000 |
| HK$500,000 to HK$799,999 | HK$2,000 |
| HK$300,000 to HK$499,999 | HK$1,500 |
| HK$200,000 to HK$299,999 | HK$1,000 |
30% off on total interest payment, $0 handling fee
Loan amount up to 21X of your monthly salary or HK$1,200,000
Repayment term up to 72 months
The 30% Interest Discount is applicable to customers who apply during Promotion Period from January 1, 2019 to December 31, 2019 and successfully drawdown a Citi Card Debt Consolidation Loan on or before January 10, 2020.
Offer for reference only
The Annualized Percentage Rate ("APR") of 2.23% is calculated based on the monthly flat rate 0.1% with 30% interest discount. The actual APR applicable may differ. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
Debt Consolidation Loan
Latest Offer:
Earn up to $3,300 Coupons for successful online application
Loan amount up to 21x monthly salary, 72-month repayment
Loan amount up to 21x monthly salary, 72-month repayment
Features
Monthly flat rate as low as 0.04% (Annualised percentage rate: 3.83%)
One-minute approval to get the cash you need
High loan amount up to $2,000,000 or 21x monthly salary (whichever is lower)
Flexible repayment period of up to 72 months
Loan Amount of $50,000 to $299,999 can earn $400 coupon. Loan Amount of $300,000 to $499,999 can earn $800 coupon. Loan Amount of $500,000 to $999,999 can earn $2,000 coupon. Loan Amount of $1,000,000 or above can earn $3,000 coupon
Only customers who successfully apply for Debt Consolidation Loan via DBS Bank (Hong Kong) Limited from 1 to 30 June 2019, and draw down the approved Loan on or before 15 July 2019, will be entitled to extra $300 supermarket cash coupons
Handling Fee: 1.5%
Minimum salary requirement: fixed annual income of $100,000 or above
A redemption letter will be sent to the eligible customer by mail within 2 months after the end of the Promotional Period ( on or before 31 August 2019 ) for the customer to redeem the Coupons at designated redemption center
Coupons are only applicable to customers whose Loan accounts are in good standing and not in default (as determined by the Bank at its sole discretion). If the customer’s credit standing is unsatisfactory or the customer early repays the full amount of the Loan, the Bank reserves the rights to stop issuing the Coupons or deduct the face value of the Coupons awarded to the customers from the relevant Loan account without prior notice
Terms and conditions apply. For details, please visit DBS website
The above information is for reference only, the final approved interest rate, loan amount and instalment period are subject to the financial condition of customers.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
DreamCash Personal Loan
Latest Offer:
Up to HK$4,500 Credit Rebate for loan drawdown
Flexible repayment tenor up to 60 months; preferential interest rate for Selected Customers
Flexible repayment tenor up to 60 months; preferential interest rate for Selected Customers
Features
Loan Amount up to HK$1,200,000 or 12 times of monthly salary (whichever is lower)
Customers successfully apply DreamCash Personal Loan during the promotion period from 25 April 2019 to 31 August 2019 and drawdown on or before 30 September 2019 can get the fabulous offers below:
- Up to HK$1,500 Credit Card Credit Rebate for DreamCash Personal Loan drawdown
- Extra HK$2,800 Credit Card Credit Rebate for online application
- Extra HK$200 Credit Card Credit Rebate by using the account in Bank of Communications for disbursement and repayment
- Professional, Civil-servants, Full-time Teachers, Mortgage Customers and BComBEST Customers (Selected Customers) can enjoy preferential interest rate
Flexible repayment tenor up to 60 months
APR as low as 2.97%
1% annual handling fee
The final loan amount will be subject to the circumstance of individual customer. The approval of the loan (as well as the final approved loan amount) is subject to the Bank's final decision.
The Bank reserves the rights to terminate the relevant offer without prior notice.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
Fixed Loan
Latest Offer:
From now till 31 July, Samsung Galaxy S10+ (128GB) (value HK$6,998) will be rewarded upon successful application
Straight through online application, face recognition identification, 7x24 direct transfer cash via FPS
Straight through online application, face recognition identification, 7x24 direct transfer cash via FPS
Features
Instant approval and withdrawal, no income proof is required for loan amount of $50,000 or less
10 mins express approval. Cash will be disbursed within 1 hour from loan confirmation
No handling fee, no early settlement fee
For more details, please visit PrimeCredit’s website
Money Lender’s License No.: 383/2019
During the promotion period, Samsung Galaxy S10+ (128GB) (value HK$6,998) will be rewarded for customer who successfully apply for and withdraw PrimeCredit’s designated Personal Loan of HK$120,000 net loan amount with tenor 24 instalments or above.
The promotion period is from 10 June to 31 July 2019 (both days inclusive). Terms and conditions apply. The offers cannot be used in conjunction with other promotions. PrimeCredit reserves the right to terminate the offers or amend the details and terms & conditions without prior notice. For the details of the loan and promotion, please contact PrimeCredit. PrimeCredit reserves its absolute rights on the final loan decision and any disputes.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
MoneyHero.com.hk compares loans that can be paid back over terms of between 12 and 84 months. The APR interest rate you will be charged will depend on your personal circumstances, and will be between APR: 2% and APR: 59%. This is a representative example of what it may cost: a Loan of HK$200,000 over 12 months at 7.02% APR and monthly interest rate at 0.31% would equate to monthly repayments of HK$17,287, and the total repayment of the loan that you pay back would be HK$207,444.
Latest newsRead the latest news about financial products in Hong Kong and the best money saving tips.
Read the latest news about financial products in Hong Kong and the best money saving tips.
Need some help?
No worries, we've got you covered!
How much does it cost to buy a car?
It costs at least HK$200,000 - $300,000 to buy a car in Hong Kong. For some luxury car brands, the price can be up to HK$500,000 or more. You also need to pay attention to the cost of your monthly payments, interest rates, toll fee, expenses on fuel, maintenance, parking, car insurance, registration and licensing, which cost at least HK$10,000 per month.
Should I apply for a personal loan to purchase a car?
Buying and owning a car can be very expensive. Apart form the cost of monthly payments, you also need to pay for the fuel, maintenance package, daily toll fees, parking space, car insurance (such as third-party liability insurance and Comprehensive motor insurance), first registration tax and Hong Kong driving license. If you find that the money in your bank account is not enough to cover the full list price for your dream car, going for car financing can be one of your options.
What is the difference between car loans and personal loans?
Banks and car dealerships often provide car loan options tailor-made for paying off the cost of your vehicle. Most car dealers have their own in-house financing schemes. Some people take out car loans to finance their car, which are actually a variation of personal loans, structured to factor in the depreciation of a car's value over time.
Car loans often require you to make a sizable down payment earlier in the term. The bigger your deposit, the lower your monthly payments will be. Personal loans, meanwhile, can be either secured or unsecured: the former is backed by assets you already own for the lender's security, while the latter is determined solely on the basis of your credit status.
If you choose to apply for a personal loan, lenders are likely look into your credit score rating. This is to ensure them that you have the ability to make your payments on time. Should you have a less-than-ideal credit score, you will have better chances in getting a car loan than you would a personal loan. Either way, poor credit means you get saddled with a much higher interest rate. Ideally you should settle as much of your outstanding credit debt as you can before you begin applying for any kind of loans.
How to apply for a car loan?
Normally you need Hong Kong Identity Card, residential address proof, bank statement and vehicle sales and purchase agreement to apply for a car loan. You should understand your ability to repay and compare the loans' interest rates and other terms before applying for a loan.
Should I pay off my car loan early?
Have you thought of settling your loan early to ease your financial burden? Check your loan's conditions before you act! Since early repayment would affect the amount of interest earned by banks and financial institutions, many loans have stated in the contract that early repayment charges apply. Borrowers should read the terms carefully to avoid financial loss.
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