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Citi Speedy Cash

Citi Speedy Cash

MoneyHero Exclusive OfferFeatured Product
Citi Speedy Cash
$205,760
Total Repayment (as low as)
$5,716
Monthly Repayment (as low as)
1.78%
APR (as low as)Monthly Flat Rate: 0.08%
MoneyHero Exclusive Offer:
[Till 31 Aug] Choose between HK$8,000 Apple Store Gift Card, HK$8,000 YATA Gift Certificate, or Samsung Galaxy S21 Ultra 5G 256GB (valued at HK$9,698) and many more for new customers who successfully apply for the loan via MoneyHero and fulfil specific drawdown requirement
[Same day approval and same day loan disbursement] Loan amount up to 12x monthly salary; APR as low as 1.78% (calculation based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment period of 12 months);
The Actual APR may vary for individual customers
[Same day approval and same day loan disbursement] Loan amount up to 12x monthly salary; APR as low as 1.78% (calculation based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment period of 12 months);
The Actual APR may vary for individual customers
PrimeCredit Fixed Loan

PrimeCredit Fixed Loan

Latest OfferFeatured Product
PrimeCredit Fixed Loan
$207,200
Total Repayment (as low as)
$5,756
Monthly Repayment (as low as)
2.38%
APR (as low as)Monthly Flat Rate: 0.1%
Latest Offer:
Up to HK$10,000 cash bonus will be rewarded upon successful application
[Instant approval and withdrawal] 24 x 7 instant disbursement; [Urgency] No income proof is required for loan amount of HK$50,000 or less
[Unique 14-day Flexi Payment] without penalty or affecting your credit record
[Instant approval and withdrawal] 24 x 7 instant disbursement; [Urgency] No income proof is required for loan amount of HK$50,000 or less
[Unique 14-day Flexi Payment] without penalty or affecting your credit record
CNCBI $mart Plus Personal Installment Loan

CNCBI $mart Plus Personal Installment Loan

MoneyHero Exclusive OfferFeatured Product
CNCBI $mart Plus Personal Installment Loan
$209,144
Total Repayment (as low as)
$5,810
Monthly Repayment (as low as)
1.9%
APR (as low as)Monthly Flat Rate: 0.13%
MoneyHero Exclusive Offer:
Up to HK$4,000 exclusive cash rebate and handling fee waiver for successful application via MoneyHero
Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
[Flexibility] APR as low as 1.9% (loan amount HK$200k and tenor of 12 months)
Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
[Flexibility] APR as low as 1.9% (loan amount HK$200k and tenor of 12 months)
WeLab "GoFlexi" Personal Instalment Loan

WeLab "GoFlexi" Personal Instalment Loan

MoneyHero Exclusive Offer
WeLab "GoFlexi" Personal Instalment Loan
$205,040
Total Repayment (as low as)
$5,696
Monthly Repayment (as low as)
1.68%
APR (as low as)Monthly Flat Rate: 0.07%
MoneyHero Exclusive Offer:
By entering promo code "NLHERO" to successfully open an account, new customers are entitled to HK$500 cash rewards upon successful application and withdrawal; HK$400 cash rewards for existing customers
APR as low as 1.68% during the promotion period
With GoFlexi-Link, automatically enjoy 1.68% for your deposit in Core Account
APR as low as 1.68% during the promotion period
With GoFlexi-Link, automatically enjoy 1.68% for your deposit in Core Account
HSBC Personal Instalment Loan

HSBC Personal Instalment Loan

Latest Offer
HSBC Personal Instalment Loan
$205,760
Total Repayment (as low as)
$5,716
Monthly Repayment (as low as)
1.8%
APR (as low as)Monthly Flat Rate: 0.08%
Latest Offer:
Up to HK$1,600 cash rebate for successful loan application and document submission
Loan amount of up to HK$3,000,000 or 12 times of the monthly salary
APR as low as 1.80% (calculation based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment period of 12 months); The Actual APR may vary for individual customers and subject to final approval
Loan amount of up to HK$3,000,000 or 12 times of the monthly salary
APR as low as 1.80% (calculation based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment period of 12 months); The Actual APR may vary for individual customers and subject to final approval
Standard Chartered Personal Instalment Loan

Standard Chartered Personal Instalment Loan

MoneyHero Exclusive Offer
Standard Chartered Personal Instalment Loan
$206,624
Total Repayment (as low as)
$5,740
Monthly Repayment (as low as)
2.15%
APR (as low as)Monthly Flat Rate: 0.09%
MoneyHero Exclusive Offer:
Up to welcome HK$4,000 cash rebate and exclusive HK$8,800 supermarket cash coupon or Apple Store Gift Card for successful applications and drawdown of specific loan amounts via MoneyHero
Max Loan Repayment Tenure: 60 months; 0% handling fee
[Smart way] APR as low as 1.75% (loan amount HK$200k or above and tenor of 12 months)
Max Loan Repayment Tenure: 60 months; 0% handling fee
[Smart way] APR as low as 1.75% (loan amount HK$200k or above and tenor of 12 months)
BOC Express Cash Instalment Loan

BOC Express Cash Instalment Loan

BOC Express Cash Instalment Loan
$208,266
Total Repayment (as low as)
$5,785
Monthly Repayment (as low as)
2.68%
APR (as low as)Monthly Flat Rate: 0.11%
[Family expenses, festival consumption] Loan amount up to 12x your monthly salary or HK$3m (whichever is lower)
[Stay home] Apply through a new online and mobile banking
[Family expenses, festival consumption] Loan amount up to 12x your monthly salary or HK$3m (whichever is lower)
[Stay home] Apply through a new online and mobile banking
Airstar Bank Personal Instalment Loan

Airstar Bank Personal Instalment Loan

MoneyHero Exclusive Offer
Airstar Bank Personal Instalment Loan
$209,288
Total Repayment (as low as)
$5,814
Monthly Repayment (as low as)
2.99%
APR (as low as)Monthly Flat Rate: 0.13%
MoneyHero Exclusive Offer:
Enjoy up to HK$1,100 cash rewards exclusively from MoneyHero for successful loan drawdown of specific amounts
Stellar APR as low as 1.85%; 60 Days interest and repayment free
[Virtual bank] 3.6% p.a. for saving deposit account
Stellar APR as low as 1.85%; 60 Days interest and repayment free
[Virtual bank] 3.6% p.a. for saving deposit account
DBS Personal Instalment Loan

DBS Personal Instalment Loan

MoneyHero Exclusive Offer
DBS Personal Instalment Loan
$207,200
Total Repayment (as low as)
$5,756
Monthly Repayment (as low as)
3.7%
APR (as low as)Monthly Flat Rate: 0.1%
MoneyHero Exclusive Offer:
[Deadline: 31 Aug] Enjoy up to HK$2,200 "InstaRedeem" amount and up to HK$1,800 exclusive supermarket cash coupon for withdrawal of a specific loan amount
[Be flexible] Loan amount up to 20x your monthly salary or HK$2m (whichever is lower)
[Preferential Loan Interest Rate] Enjoy APR as low as 1.56%
[Be flexible] Loan amount up to 20x your monthly salary or HK$2m (whichever is lower)
[Preferential Loan Interest Rate] Enjoy APR as low as 1.56%
DBS Debt Consolidation Loan

DBS Debt Consolidation Loan

MoneyHero Exclusive Offer
DBS Debt Consolidation Loan
$209,360
Total Repayment (as low as)
$5,816
Monthly Repayment (as low as)
4.42%
APR (as low as)Monthly Flat Rate: 0.13%
MoneyHero Exclusive Offer:
[Deadline: 31 August ] Enjoy up to HK$5,000 cash coupon for withdrawal of a particular loan amount (included up to HK$1,700 exclusive supermarket coupon)
[More debt, less burden] Loan amount up to 21x your monthly salary or HK$2m (whichever is lower)
[Consolidate your debts] Say no to minimal payment of credit card debt
[More debt, less burden] Loan amount up to 21x your monthly salary or HK$2m (whichever is lower)
[Consolidate your debts] Say no to minimal payment of credit card debt
MoneyHero 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.
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.

Confused about personal loan terms?

Glossary terms to know for first-time personal loan applicants

MoneyHero.com.hk

Disclaimer: MoneyHero makes every effort to keep information on our website accurate and up-to-date. This information may be different from what you see when you visit a financial institution or service provider’s site. APR and monthly payments shown in personal instalment loan comparison pages are estimated based on calculation of information you enter. All financial products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. If you find discrepancies in information, please contact the financial institution directly.

© 2013 - 2021 MoneyHero Global Limited (registered in Hong Kong under company number 1864714) (“MHGL”). All rights reserved. MoneyHero Insurance Brokers Limited (registered in Hong Kong under company number 2196683) (“MHIBL”) is a wholly owned subsidiary of MHGL. MHIBL is an authorized insurance broker with Insurance Authority License Number FB1740 whose business it is to arrange insurance products and services for its clients. MHGL is not an insurance company, agent or broker. Other than the provision of marketing services to virtual insurance companies that do not work with insurance intermediaries, MHGL does not carry on an insurance business and all insurance-related activities displayed, offered or referred to on this site are carried out solely by MHIBL in its capacity as an insurance broker. Use of this site constitutes acceptance of our Terms of Use and Privacy Policy.

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