Find the Best Personal Instalment Loans in Hong Kong

Updated: 6 Aug 2025

If you need a personal loan due to unexpected circumstances, look no further and discover your available options here.
Loan
Monthly Repayment
MoneyHero Reward
Total Cost of Loan
EIR
PrimeCredit Fixed Loan
PrimeCredit Fixed Loan
HK$848
HK$24,000
HK$540
1.18 %
OCBC Bank Balance Transfer Personal Loan
OCBC Bank Balance Transfer Personal Loan
HK$849
HK$1,450
HK$562
3.25 %
HSBC Personal Instalment Loan
HSBC Personal Instalment Loan
HK$962
HK$300
HK$4,644
10.03 %
CNCBI $mart Plus Personal Installment Loan – Debt Consolidation
CNCBI $mart Plus Personal Installment Loan – Debt Consolidation
HK$893
-
HK$2,160
6.81 %
Mox Instant Loan (New customers)
Mox Instant Loan (New customers)
HK$852
-
HK$670
1.28 %
CCB (Asia) Personal Instalment Loan
CCB (Asia) Personal Instalment Loan
HK$914
HK$500
HK$2,916
6.58 %
Debt Changer
Debt Changer
HK$857
-
HK$864
1.68 %
CCB (Asia) “Low Interest” Balance Transfer Program
CCB (Asia) “Low Interest” Balance Transfer Program
HK$980
HK$500
HK$5,292
11.17 %

Show All Loans (19)

X Cash.AI by X Wallet
PrimeCredit Balance Transfer
PrimeCredit Civil Servant & Professional Loan
Dah Sing Credit Mastermind Instalment Loan
OCBC Bank Personal Loan
WeLend Property Owner Loan
UA Debts Consolidation Loan
UA i-Money Express Online Personal Loan for Property Owner
WeLend Instant Personal Loan
【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan 
WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals)

Personal Installment Loans

PrimeCredit Fixed Loan

PrimeCredit Fixed Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$32,500

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

Mox Instant Loan (New customers)

Mox Instant Loan (New customers)

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$37,888

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

WeLend Instant Personal Loan

WeLend Instant Personal Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$34,800

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

DBS Debt Consolidation Loan

DBS Debt Consolidation Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$56,500

Bank Gift - On Top of MoneyHero's

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Loan details

OCBC Bank Personal Loan

OCBC Bank Personal Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$42,948

Bank Gift - On Top of MoneyHero's

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Loan details

CCB (Asia) Personal Instalment Loan

CCB (Asia) Personal Instalment Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$36,500

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

CNCBI $mart Plus Personal Installment Loan – Debt Consolidation

CNCBI $mart Plus Personal Installment Loan – Debt Consolidation

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

DBS Personal Instalment Loan

DBS Personal Instalment Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

X Large Personal Loan

X Large Personal Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$37,664

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

HSBC Personal Instalment Loan

HSBC Personal Instalment Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

CCB (Asia) “Low Interest” Balance Transfer Program

CCB (Asia) “Low Interest” Balance Transfer Program

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$60,300

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

X Cash.AI by X Wallet

X Cash.AI by X Wallet

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$3,700

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

PrimeCredit Balance Transfer

PrimeCredit Balance Transfer

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$32,500

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

PrimeCredit Civil Servant & Professional Loan

PrimeCredit Civil Servant & Professional Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$32,500

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

Dah Sing Credit Mastermind Instalment Loan

Dah Sing Credit Mastermind Instalment Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$25,850

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

OCBC Bank Balance Transfer Personal Loan

OCBC Bank Balance Transfer Personal Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$81,248

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

X Debt Consolidation Loan

X Debt Consolidation Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

WeLend Property Owner Loan

WeLend Property Owner Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$33,800

MoneyHero's take

Loan details

UA Civil Servants and Professionals Express Loan

UA Civil Servants and Professionals Express Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

UA Debts Consolidation Loan

UA Debts Consolidation Loan

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

UA i-Money Express Online Personal Loan for Property Owner

UA i-Money Express Online Personal Loan for Property Owner

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan 

【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan 

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$34,800

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals)

WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals)

Total interest as low as
APR as low as
Total repayment as low as
Promo Code

MoneyHero Reward up to HK$67,586

Bank Gift - On Top of MoneyHero's

MoneyHero's take

Loan details

MoneyHero's Guide to Choosing a Personal Loan

As everyone’s financial situation and needs are unique, there are no one-size-fits-all loans. Rates and requirements for loan applications vary depending on circumstances, making certain loans a better fit for you. MoneyHero brings you what you need to know about personal loans, as well as elements to consider so that you can find the loan that best suits you. 

Current average personal loan rates

Depending on your credit rating, your APR can be affected. This will influence your interest rate as well as limit how much you can borrow. 

Rating

Class

Credit Score

Estimated APR Range

A

Excellent

3526 – 4000

1-10%

B

Good

3417 – 3525

10-15%

C

3240 – 3416

D

Fair

3214 – 3239

15-20%

E

3143 – 3213

F

3088 – 3142

G

Poor

2990 – 3087

20-25%

H

2868 – 2989

I

Very Poor

1820 -2867

25%+ (Or rejection)

J

1000-1819

Best personal loan rates for March 2025

MoneyHero brings you statistics on some of the best personal loan rates available this month offered by major financial institutions. 

Lender

APR as low as

Minimum Annual Income (HKD)

Standard Chartered

1.85%

$96,000

Citibank

1.56%

$72,000

CNCBI

1.65%

$84,000

CreFIT

1.98%

$60,000

UA Finance

1.68%

(None)

WeLend

1.18%

$96,000

DBS

6.38%

$100,000

How to compare personal loans

With so many offers available to you, consider the following factors to determine which deal is best for you.

APR

APR, or Annual Percentage Rate, is a crucial financial metric used to express the total cost of a loan over a year, including both the interest rate and any additional fees that may be associated with borrowing. APR provides you with a standardised way to compare different loan offers, allowing them to understand the true cost of borrowing more clearly.

When evaluating personal loan deals, considering the APR is essential because it takes into account not only the nominal interest rate but also any processing fees, closing costs, and other charges that may apply. This comprehensive view ensures that you are not misled by a lower interest rate that might be offset by hidden fees, which could make one loan significantly more expensive than another.

Monthly payment

The monthly payment represents the amount a borrower needs to repay each month over the loan's term. In the context of personal loans, this payment typically includes both the principal amount (the original loan amount) and the interest charged. Understanding your monthly payment is crucial for managing your budget, as it directly affects your cash flow and financial stability.

When comparing personal loan deals, the monthly payment plays a significant role because borrowers need to ensure they can comfortably afford it within their existing budget. A lower monthly payment might seem appealing, but it could extend the loan term and increase the total interest paid over time, potentially making the loan more expensive in the long run.

Fees

Fees are charges imposed by lenders in addition to the principal and interest costs of a loan. In the context of loans, these fees can significantly impact the total cost of borrowing and should be carefully considered when comparing personal loan deals.  A loan with a low interest rate may still be expensive if it has high fees.

Common types of fees include late payment fees and prepayment penalties. Late payment fees occur when a borrower misses a payment deadline and can add an additional financial burden. Prepayment penalties may be applied if a borrower pays off the loan early, which can deter individuals from paying off debt sooner to save on interest.

Funding time

Funding time refers to the duration it takes for a lender to disburse the approved loan amount to the borrower after a loan application is submitted. This timeframe varies significantly among lenders and can range from a few hours to several days, depending on the lender’s policies, the type of loan, and the complexity of the application.

If you are in urgent need of funds—such as for medical emergencies, unexpected expenses, or significant purchases—a quicker funding time can be critical. A loan that offers rapid approval and same-day funding might be more appealing than one with a lower interest rate but a longer processing time.

Payment flexibility

Payment flexibility refers to the options and terms a lender offers regarding how you can manage your loan repayments. In the context of loans, payment flexibility can include aspects such as the ability to make extra payments without penalties, adjust payment schedules, and choose between fixed or variable repayment amounts.

Considering payment flexibility is crucial when comparing personal loan deals because it directly impacts a borrower’s ability to manage their finances effectively. For instance, a loan with flexible repayment options allows borrowers to make additional payments when they have extra funds, which helps them pay off the debt faster and reduce interest costs. This feature can be particularly beneficial for those who may experience fluctuations in income.

Other consumer-friendly features

Some loans may offer other consumer-friendly features that enhance the borrowing experience and provide more value to the borrower. These features can significantly affect the overall satisfaction and financial implications of a loan. One common example of this is rewards programs, which may offer cash back or points for on-time payments, allowing borrowers to earn benefits while managing their debt. 

Pros and Cons of Personal Loans

Pros

Cons

  • Variety of Options: Different lenders offer various loan amounts and terms to suit diverse needs.

  • Fast Funding: Many lenders provide quick approval and disbursement of funds.

  • Debt Consolidation: Some loans allow for direct payments to creditors, which can help consolidate existing debts.

  • Secured Loan Options: Certain lenders offer secured personal loans, which may be easier to qualify for.

  • Joint Loans: Some lenders allow joint applications, which can improve the chances of approval.

  • Origination Fees: Many lenders charge origination fees that can reduce the total loan amount received.

  • High APRs: Interest rates can be high, especially for borrowers with lower credit scores.

  • No Rate Discounts: Some options do not offer discounts for automatic payments, making them potentially costlier.

  • Limited Loan Purposes: Certain loans may have restrictions on how the funds can be used, such as not allowing payments for education or secured debts.

  • Credit Impact: Applying for multiple loans can affect credit scores due to hard inquiries.

Before Getting Your Personal Loan

    1. Check Your Credit Score

    2. Assess Your Financial Needs

    3. Understand the Costs

    4. Evaluate Your Debt-to-Income Ratio

    5. Research Lenders

    6. Consider a co-applicant:

    7. Prepare Documentation

    8. Plan for Repayment

Managing Your Personal Loan

It may be daunting when you’re thinking about loan repayments before you borrow. Consider the following elements while assessing your options to ensure that you can make the most of your loan. 

Assess Your Budget

Budget assessment involves a comprehensive evaluation of your income, expenses, and financial obligations to determine how much you can feasibly allocate toward loan repayments. The first step in budget assessment is to calculate your total monthly income, which includes salaries, bonuses, and any additional sources of revenue.

Next, list all your monthly expenses, categorising them into fixed expenses (like rent or mortgage, utilities, and insurance) and variable expenses (such as groceries, entertainment, and discretionary spending). This helps identify areas where you may cut back to make room for loan payments. It's essential to ensure that your total monthly expenses, including your new loan payment, do not exceed a sustainable percentage of your income.

Loan Amount and Terms

The loan amount refers to the total money you borrow, while loan terms encompass the length of time you have to repay the loan and the associated interest rates. 

Consider your needs when deciding your loan amount. Borrowing only what you need helps prevent a cycle of debt, as larger loans often lead to higher monthly payments and increased interest costs. Lenders typically base the maximum loan amount on your creditworthiness and income, so it's important to find a balance between your needs and your ability to repay.

Loan terms can significantly affect your monthly payments and total interest paid over the life of the loan. Shorter terms may result in higher monthly payments but lower overall interest costs, while longer terms usually mean lower monthly payments but can lead to paying much more in interest over time.

Repayment Options

Repayment options refer to the various methods and schedules available to repay the loan, while repayment terms encompass the duration and conditions under which the loan must be repaid.

One important repayment option is the choice between fixed and variable interest rates. Fixed rates provide consistency, ensuring that your monthly payments remain the same throughout the loan's life, making budgeting easier. In contrast, variable rates can fluctuate based on market conditions, potentially leading to lower initial payments but uncertainty over time.

Need More Help with Choosing Personal Loans?

    What is a personal instalment loan

    How can I find different personal loan offers in Hong Kong?

    Should I choose the personal instalment loan with the lowest monthly interest rate?

    How long does it take to get approved for a personal instalment loan?

    How do I calculate the monthly interest of my personal instalment loan?

    What Are Loans?

    Types of Loan Products

    What is the repayment period for personal loan applications?

    What is the maximum loan amount you can apply for personal loans?

    What is the difference between bank loans and loans from lending companies?

    What is the procedure for loan application?

    What are the required supporting documents for loan applications?

Personal Loans Glossary

If you've read through our page and are struggling to gain a thorough understanding of which personal loan to select due to the unfamiliar terms and information about personal loans, don't worry; we've got you covered. We have a personal loans glossary where you can find a comprehensive list of terms with easy-to-understand definitions. Our glossary can be a valuable tool for anyone who wants to educate themselves on the world of personal finance. So, if you're confused about any of the terms we use on this page, be sure to check out our personal loans glossary for clarity.

Looking for another financial product?

MoneyHero has partnered with the most trusted banks and financial institutions in Hong Kong to help you find the right financial products. Through our comparison engine, you can compare credit cards, personal loans, mortgages, medical insurance, travel insurance, HK stock accounts, US stock accounts, payroll accounts, and other financial products. We provide accurate, up-to-date information and an unbiased overview of financial products in Hong Kong so that you can make the best choice, saving your time and money.