Find the Best Personal Instalment Loans in Hong Kong

updated: Apr 28, 2025

If you need a personal loan due to unexpected circumstances, look no further and discover your available options here.

Personal Installment Loans

loan_amount

HK$

tenure (12-84 month_long)

month_long

provider	Total interest	APR	Total repayment	offers_rewards	apply
PrimeCredit Fixed Loan	n_a	n_a	n_a	eligible_rewards (1) view_rewards (1)	Apply Now on_provider_website	elgibile_rewards (1) view_rewards (1) Apply Now on_provider_website
eligible_rewards (1) Welcome Offer [PrimeCredit Limited Offer] Up to HK$18,000 Cash Bonus From 1 March 2025 to 31 May 2025 (both dates inclusive), up to HK$18,000 cash bonus will be awarded upon successful application and drawdown of the designated personal loan offers Up to HK$18,000 Cash Bonus disclaimer_pl terms_and_conditions
Standard Chartered Personal Instalment Loan	n_a	n_a	n_a	eligible_rewards (21) view_rewards (21)	Apply Now on_provider_website	elgibile_rewards (21) view_rewards (21) Apply Now on_provider_website
eligible_rewards (21) MoneyHero Highest-value Exclusive Offer [MoneyHero Exclusive Offer] From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., customers who have successfully applied for and approved a loan of HK$100,000 or above and draw down the loan within 3 months can enjoy the following exclusive offers offers SAMSUNG Galaxy Book5 360 NP750QHA-KA3HK (valued at HK$11,980) ; or HK$11,000 Apple Store Gift Card ; or HK$11,000 Wellcome Shopping Voucher ; or iPhone 16 Pro Max (256GB, random colour) ; or HK$9,000 Apple Store Gift Card ; or HK$9,000 Wellcome Shopping Voucher ; or Samsung Galaxy S25+ 512GB (valued at: HK$8,598) ; or HK$7,500 Apple Store Gift Card ; or HK$7,500 Wellcome Shopping Voucher ; or Sony PlayStation®5 Slim Game Console Disc Edition (valued at: HK$3,780) ; or HK$3,500 Apple Store Gift Card ; or HK$3,500 Wellcome Shopping Voucher ; or Sennheiser ACCENTUM True Wireless (valued at:HK$1,499) ; or HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive Valid until 30 April 2025 6 p.m., you can get extra HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application loan amount HK$800,000 or above via MoneyHero & submission of documents to the bank on or before 30 April 2025, regardless of loan approval and drawdown offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions SCB Welcome Offer - Up to HK$8,000 Cash Rebate 【SCB Welcome Offer - Up to HK$8,000 Cash Rebate】 From 1 April 2025 to 31 May 2025, a client who successfully applied and drawdown the loan online is entitled to enjoy up to HK$8,000 Cash Rebate. offers HK$8,000 Cash Rebate ; or HK$3,000 Cash Rebate ; or HK$2,000 Cash Rebate ; or HK$500 Cash Rebate disclaimer_pl terms_and_conditions
CNCBI $mart Plus Personal Installment Loan	n_a	n_a	n_a	eligible_rewards (27) view_rewards (27)	Apply Now on_provider_website	elgibile_rewards (27) view_rewards (27) Apply Now on_provider_website
eligible_rewards (27) MoneyHero Flash Offer [MoneyHero Exclusive Offer] Eligibility: successfully apply for CNCBI $mart Plus Personal Installment Loan on MoneyHero from 14 April 2025 6 p.m. till 30 April 2025 6 p.m., and choose a repayment period of 12 months or above, and need to drawdown within 1 month offers HK$7,000 Apple Store Gift Card ; or HK$7,000 Wellcome Shopping Voucher ; or Samsung Galaxy S25+ Ultra 256GB (valued at: HK$7,598) ; or HK$6,000 Apple Store Gift Card ; or HK$6,000 Wellcome Shopping Voucher ; or Dyson Solarcycle Morph™ floor light（valued at HK$6,580） ; or PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or HK$5,000 Apple Store Gift Card ; or HK$5,000 Wellcome Shopping Voucher ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher ; or LOJEL Cubo Large V1 30" suitcase (valued at HK$3,000; random color) ; or HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher ; or Sennheiser ACCENTUM true wireless earbuds (valued at HK$1,780; random color) disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer] - Time-limited HK$500 Apple Store Gift Card / Wellcome Shopping Voucher From 31 March 2025 6 p.m. till 30 April 2025 6 p.m., new customers who apply CNCBI $mart Plus Personal Installment Loan & submission of documents to the bank on or before 30 April 2025 6 p.m. via MoneyHero can get HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Welcome Offer: Apply Debt Consolidation Loan and Top Up Loan 【China CITIC Bank Offers - Enjoy up to HK$16,800 Cash Rebate】Customers successfully applying and drawdown for $mart Plus Personal Installment Loan including Personal Instalment Loan, Debt Consolidation and Top Up Loan with loan amount of HK$100,000 or above and repayment period of 12 months or above during the period from 1 April 2025 to 30 June 2025 (both dates inclusive) ("Promotion Period") shall be entitled to the corresponding Cash Rebate. Customers enjoy Cash Rebate of up to HK$8,400 upon the successful drawdown of Personal Installment Loan, Eligible Customers enjoy a doubled Cash Rebate of up to HK$16,800 upon the successful drawdown of Debt Consolidation or Top-up Loan. offers HK$16,800 Cash Rebate ; or HK$4,000 Cash Rebate ; or HK$7,800 Cash Rebate ; or HK$2,000 Cash Rebate ; or HK$4,800 Cash Rebate ; or HK$1,000 Cash Rebate ; or HK$2,400 Cash Rebate ; or HK$1,000 Cash Rebate ; or HK$1600 Cash Rebate ; or HK$1,000 Cash Rebate disclaimer_pl terms_and_conditions
Mox Instant Loan (New customers)	n_a	n_a	n_a	eligible_rewards (17) view_rewards (17)	Apply Now on_provider_website	elgibile_rewards (17) view_rewards (17) Apply Now on_provider_website
eligible_rewards (17) Application Incentive (using “MHCASH10”) [MoneyHero Application Incentive] Eligibility: From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. Customers apply for Mox Instant Loan (min. loan amount: HK$70,000) using invitation code “MHCASH10”. Regardless of approval result, The customer will receive an email from Mox Bank containing a redemption code (a 7-character combination of letters and numbers) within 30 working days after applying for the loan. offers HK$600 Apple Store Gift Card ; or HK$600 HKTVmall e-Gift Voucher ; or HK$600 Trip.com Gift Card disclaimer_pl terms_and_conditions Approval Bonus for all customers onboarded (using “MHCASH10”) (New customers) [MoneyHero Exclusive Offer] Eligibility: From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. Mox New customers: who successfully open Mox account during promotion period and apply for Mox Instant Loan (min. loan account: HK$70,000) using invitation code “MHCASH10” within 60 days, can get up to HK$3,200 exclusive reward. New customers will receive an email from Mox Bank containing a redemption code (a 7-digital code) within 30 working days after applying for the loan. Please remember to complete the “Reward Redemption Form” within 14 days of receiving the code. offers HK$1,500 Apple Store Gift Card（New customers） ; or HK$1,500 HKTVmall e-gift Voucher (New customers) ; or HK$1,500 Trip.com Gift Card (New customers) ; or HK$2,500 Apple Store Gift Card (New customers) ; or HK$2,500 HKTVmall e-gift Voucher (New customers) ; or HK$2,500 Trip.com e-gift Voucher (New customers) ; or HK$3,500 Apple Store Gift Card (New customers) ; or HK$3,500 HKTVmall e-gift Voucher (New customers) ; or HK$3,500 Trip.com e-gift Voucher (New customers) disclaimer_pl terms_and_conditions Up to HK$6,888 Cash Reward From 31 March 2025 6 p.m. until 30 April 2025 6 p.m., you can enjoy up to HK$6,888 Cash Reward when you successfully apply for our designed Instant Loan. Cash rewards will be credited to your Mox Account on or before 31 May 2025. offers HK$888 Cash Reward ; or HK$888 Cash Reward ; or HK$1,888 Cash Reward ; or HK$3,888 Cash Reward ; or HK$6,888 Cash Reward disclaimer_pl terms_and_conditions
Mox Instant Loan (Existing customers)	n_a	n_a	n_a	eligible_rewards (14) view_rewards (14)	Apply Now on_provider_website	elgibile_rewards (14) view_rewards (14) Apply Now on_provider_website
eligible_rewards (14) Approval Bonus for all customers onboarded (Existing customers) [MoneyHero Exclusive Offer] Eligibility: From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. Mox Existing customers who open and apply for Mox Instant Loan (min. loan account: HK$70,000) can get up to HK$3,000 exclusive reward. Existing customers will not receive any redemption code, so please type “MoneyHero” in the respective field, together with other contact details. You must submit the form within 7 days after your loan application. offers HK$1,000 Apple Store Gift Card (Existing customers) ; or HK$1,000 HKTVmall e-gift Voucher (Existing customers) ; or HK$1,000 Trip.com Gift Card (Existing customers) ; or HK$2,000 Apple Store Gift Card (Existing customers) ; or HK$2,000 HKTVmall e-gift Voucher (Existing customers) ; or HK$2,000 Trip.com Gift Card (Existing customers) ; or HK$3,000 Apple Store Gift Card (Existing customers) ; or HK$3,000 HKTVmall e-gift Voucher (Existing customers) ; or HK$3,000 Trip.com Gift Card (Existing customers) disclaimer_pl terms_and_conditions Up to HK$6,888 Cash Reward From 31 March 2025 6 p.m. until 30 April 2025 6 p.m., you can enjoy up to HK$6,888 Cash Reward when you successfully apply for our designed Instant Loan. Cash rewards will be credited to your Mox Account on or before 31 May 2025. offers HK$888 Cash Reward ; or HK$888 Cash Reward ; or HK$1,888 Cash Reward ; or HK$3,888 Cash Reward ; or HK$6,888 Cash Reward disclaimer_pl terms_and_conditions
UA i-Money Express Online Personal Loan	n_a	n_a	n_a	eligible_rewards (12) view_rewards (12)	Apply Now on_provider_website	elgibile_rewards (12) view_rewards (12) Apply Now on_provider_website
eligible_rewards (12) MoneyHero Exclusive Offer From 15 April 2025 6 p.m. until 30 April 2025 6 p.m., customers who successfully apply for a United Asia Finance (UA) Personal Loan via MoneyHero, have their application for a Designated Loan confirmed by United Asia Finance (UA), loan amount HK$10,000 or above, drawdown within 1 month, can get HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 7 days offers HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions UA rewards you the Best-in-town+ offer [UA Rewards You with the Best-in-town⁺ Cash Reward^{^}] Earn a Cash Reward of up to $18,000 for new and existing customers. Offer is valid until 30 September 2025, learn more below. Enjoy up to HK$17,800 Cash Reward upon successfully drawdown a Personal Instalment Loan with a repayment period of 12 months or above. Get up to HKS200 Cash Reward upon successfully open and activate an e-Cash Revolving Loan account. offers HK$18,000 Cash Reward ; or HK$16,000 Cash Reward ; or HK$14,000 Cash Reward ; or HK$12,000 Cash Bonus ; or HK$10,000 Cash Rebate ; or HK$8,000 Cash Rebate ; or HK$5,000 Cash Reward ; or HK$3,700 Cash Reward ; or HK$2,700 Cash Reward ; or HK$1,700 Cash Reward disclaimer_pl terms_and_conditions
WeLend Instant Personal Loan	n_a	n_a	n_a	eligible_rewards (11) view_rewards (11)	Apply Now on_provider_website	elgibile_rewards (11) view_rewards (11) Apply Now on_provider_website
eligible_rewards (11) Drawdown Offer Eligibility:From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. (both dates inclusive), successfully apply and drawdown a WeLend personal loan through MoneyHero, with minimum loan amount is HK$400,000 and a minimum term of 24 months, can get HK$1,000 Apple Store Gift Card / Wellcome Shopping Voucher. Remember to complete the "MoneyHero Reward Redemption Form" after loan application within 7 days. offers HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer] From 25 April 2025 6 p.m. to 30 April 2025 6 p.m., new customers who apply WeLend Loan with full documents submitted via MoneyHero can get $500 Apple Store Gift Card OR Wellcome Shopping Voucher no matter application result. Remember to complete the "MoneyHero Reward Redemption Form" after loan application within 7 days offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Drawdown to get iPhone 16 Pro Limited Time Drawdown Offer During the Promotion Period, selected customers who have successfully applied for and drawn down with a net loan amount of HK$600,000 or above, on the designated Personal Loan with a minimum loan tenor of 24 instalments shall be eligible to receive 1 iPhone 16 Pro (128G, Random colour) (Retail value HK$8,599). offers iPhone 16 Pro (128GB, random colour) disclaimer_pl terms_and_conditions MoneyHero New Exclusive Offer [MoneyHero New Exclusive Offer] Extra Cash Rebate of up to HK$21,800 From 1 April 2025 to 30 April 2025 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$21,800 cash reward. offers HK$21,800 Cash Reward ; or HK$17,800 Cash Reward ; or HK$15,800 Cash Reward ; or HK$13,800 Cash Reward ; or HK$9,800 Cash Reward ; or HK$2,800 Cash Reward disclaimer_pl terms_and_conditions
Citi Speedy Cash Personal Loan	n_a	n_a	n_a	eligible_rewards (33) view_rewards (33)	Apply Now on_provider_website	elgibile_rewards (33) view_rewards (33) Apply Now on_provider_website
eligible_rewards (33) ⚡MoneyHero Double Exclusive Offer1️⃣Drawdown Offer MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher 【Exclusive Offer1️⃣】 From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. (inclusive of both start and end dates), successfully apply for a Citi Speedy Cash Personal Loan, Citi Tax Season Loan or Citi Credit Card Balance Transfer via MoneyHero, with a loan amount starting from HK$10,000 and draw down the loan within one month, to receive a HK$500 Apple Store Gift Card / Wellcome Shopping Voucher offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions ⚡MoneyHero Double Exclusive Offer2️⃣ Application Incentive MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher 【Exclusive Offer2️⃣ Application Incentive】 From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. (both dates inclusive), customers who apply for a Citi Speedy Cash Personal Loan, Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero & submission of documents to the bank, regardless of loan approval and drawdown, will receive a HK$800 Apple Store Gift Card or a Wellcome Shopping Voucher. offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Offer [MoneyHero Exclusive Offer] From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., successfully apply for Citi Tax Season Loan, Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan on MoneyHero, choose a repayment period of 12 months or above, and drawdown the loan within 1 month to enjoy the MoneyHero exclusive offer offers SAMSUNG Galaxy Book5 360 NP750QHA-KA3HK (valued at HK$11,980) ; or HK$10,000 Apple Store Gift Card ; or HK$10,000 Wellcome Shopping Voucher ; or Dyson Purifier Big+Quiet Formaldehyde BP04 (valued at: HK$8,180) ; or HK$7,000 Apple Store Gift Card ; or HK$7,000 Wellcome Shopping Voucher ; or PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or HK$6,000 Apple Store Gift Card ; or HK$6,000 Wellcome Shopping Voucher ; or SAMSUNG Galaxy Watch Ultra SM-L705FDAATGY (valued at HK$5,098) ; or HK$4,000 Apple Store Gift Card ; or HK$4,000 Wellcome Shopping Voucher ; or SENNHEISER Momentum Sport headphone ; or HK$1,500 Apple Store Gift Card ; or HK$1,500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Citi Welcome Offer [Citi Welcome Offer \| Up to HK$8,000 Cash Coupon] Clients who successfully apply for Citi Tax Season Loan, Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan from 1 January 2025 to 30 April 2025 and drawdown the loan on or before 14 May 2025 will be entitled to the following welcome offer offers HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$4,000 Cash Reward (Other customers) ; or HK$5,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$3,000 Cash Reward (Other customers) ; or HK$2,500 Cash Reward(Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$1,500 Cash Reward (Other customers) ; or HK$600 Cash Reward ; or HK$3,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$2,000 Cash Reward (Other customers) ; or HK$2,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$1,500 Cash Reward (Other customers) ; or HK$1,500 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$1,000 Cash Reward (Other customers) ; or HK$600 Cash Reward disclaimer_pl terms_and_conditions
DBS Debt Consolidation Loan	n_a	n_a	n_a	eligible_rewards (24) view_rewards (24)	Apply Now on_provider_website	elgibile_rewards (24) view_rewards (24) Apply Now on_provider_website
eligible_rewards (24) MoneyHero Exclusive Offer [MoneyHero Exclusive Offer for New / Existing Customers] Customers are entitled to a reward HK$13,000 exclusive Apple Store Gift Card or Wellcome Shopping Voucher upon the following requirements are satisfied offers HK$13,000 Apple Store Gift Card (New customers) ; or HK$13,000 Wellcome Shopping Voucher (New customers) ; or HK$11,000 Apple Store Gift Card (Existing customers) ; or HK$11,000 Wellcome Shopping Voucher (Existing customers) ; or HK$12,300 Apple Store Gift Card (New customers) ; or HK$12,300 Wellcome Shopping Voucher (New customers) ; or HK$10,300 Apple Store Gift Card (Existing customers) ; or HK$10,300 Wellcome Shopping Voucher (Existing customers) ; or HK$8,200 Apple Store Gift Card (New customers) ; or HK$8,200 Wellcome Shopping Voucher（New customers） ; or HK$7,200 Apple Store Gift Card (Existing customers) ; or HK$7,200 Wellcome Shopping Voucher (Existing customers) ; or HK$2,300 Apple Store Gift Card (New customers) ; or HK$2,300 Wellcome Shopping Voucher (New customers) ; or HK$2,000 Apple Store Gift Card (Existing customers) ; or HK$2,000 Wellcome Shopping Voucher (Existing customers) disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer- Application Incentive] From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., new customers who apply DBS Personal Instalment Loan OR DBS Debt Consolidation Loan Loan via MoneyHero can get HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Welcome Offer Get an extra HK$300 Supermarket Voucher by fulfilling the following requirements offers HK$300 Supermarket Voucher disclaimer_pl terms_and_conditions Welcome Offer Customers successfully apply and drawdown a a repayment period of 36 months or above loan through MoneyHero and fulfilling the following requirements may earn up to HK$23,500 Supermarket Voucher: offers HK$23,500 Supermarket Voucher ; or HK$11,500 Supermarket Voucher ; or HK$5,500 Supermarket Voucher ; or HK$2,000 Supermarket Voucher ; or HK$700 Supermarket Voucher disclaimer_pl terms_and_conditions
Standard Chartered Debt Consolidation Program	n_a	n_a	n_a	eligible_rewards (23) view_rewards (23)	Apply Now on_provider_website	elgibile_rewards (23) view_rewards (23) Apply Now on_provider_website
eligible_rewards (23) MoneyHero Highest-value Exclusive Offer [MoneyHero Exclusive Offer] From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., customers who have successfully applied for and approved a loan of HK$100,000 or above and draw down the loan within 3 months can enjoy the following exclusive offers offers SAMSUNG Galaxy Book5 360 NP750QHA-KA3HK (valued at HK$11,980) ; or HK$11,000 Apple Store Gift Card ; or HK$11,000 Wellcome Shopping Voucher ; or iPhone 16 Pro Max (256GB, random colour) ; or HK$9,000 Apple Store Gift Card ; or HK$9,000 Wellcome Shopping Voucher ; or Samsung Galaxy S25+ 512GB (valued at: HK$8,598) ; or HK$7,500 Apple Store Gift Card ; or HK$7,500 Wellcome Shopping Voucher ; or Sony PlayStation®5 Slim Game Console Disc Edition (valued at: HK$3,780) ; or HK$3,500 Apple Store Gift Card ; or HK$3,500 Wellcome Shopping Voucher ; or Sennheiser ACCENTUM True Wireless (valued at:HK$1,499) ; or HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive Valid until 30 April 2025 6 p.m., you can get extra HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2025, regardless of loan approval and drawdown offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions 【SCB Welcome Offer - Extra HK$5,000 Cash Rebate】【SCB Welcome Offer - Extra HK$5,000 Cash Rebate】 From 1 April 2025 to 31 May 2025, a client who successfully applied and drawdown the loan online fulfilling requirement below is entitled to extra HK$5,000 Cash Rebate. - Loan Tenor 12-84 months - Loan Amount HK$100,000 or above offers HK$5,000 Cash Rebate disclaimer_pl terms_and_conditions SCB Welcome Offer - Up to HK$20,000 Cash Rebate 【SCB Welcome Offer - Up to HK$20,000 Cash Rebate】 From 1 April 2025 to 31 May 2025, a client who successfully applied and drawdown the loan online with loan tenor 12-84 months is entitled to enjoy up to HK$20,000 Cash Rebate. offers HK$20,000 Cash Rebate ; or HK$11,000 Cash Rebate ; or HK$5,000 Cash Rebate ; or HK$3,000 Cash Rebate ; or HK$800 Cash Rebate disclaimer_pl terms_and_conditions
OCBC Bank Tax Loan	n_a	n_a	n_a	eligible_rewards (26) view_rewards (26)	Apply Now on_provider_website	elgibile_rewards (26) view_rewards (26) Apply Now on_provider_website
eligible_rewards (26) MoneyHero Exclusive Offer Successfully applied and drawdown for OCBC Debt Consolidation Personal Loan and Tax Loan on MoneyHero from 31 March 2025 6 p.m. to 30 April 2025 6 p.m. and enjoy up to HK$8,600 worth of rewards. offers iPhone 16 Pro (128GB, random colour) ; or HK$8,600 Apple Store Gift Card ; or HK$8,600 Wellcome Shopping Voucher ; or HK$6,000 Apple Store Gift Card ; or HK$6,000 Wellcome Shopping Voucher ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer- Application Incentive ] From 31 March 2025 6 p.m. till 30 April 2025 6 p.m., new customers who applys OCBC Tax Loan & submission of documents to the bank on or before 30 April 2025 via MoneyHero can get HK$300 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown offers HK$300 Apple Store Gift Card ; or HK$300 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions OCBC Bank Welcome Offer [OCBC Bank Welcome Offer- up to HKD10,000 Cash Rebate promotion for Pure Tax Loan】Clients who successfully apply for OCBC Bank Tax Loan from 10 October 2024 to 30 April 2025 and successfully applied and opened a deposit account for Premier Banking with OCBC Bank (Hong Kong) Limited and deposit designated amount of new funds into the said account within 1 month before or after the approval date of the loan.The Promotion is only applicable to new customers (“Eligible Customers”) a. 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 and Revolving Credit) with OCBC Bank (Hong Kong) Limited (“the Bank”) at any time during the 12 months immediately preceding the date of the Eligible Customers’ loan application; and b. 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 Credit (Hong Kong) Limited at any time during the 12 months immediately preceding the date of the Eligible Customers’ loan application. offers HK$9,000 Cash Rebate (New Customer) ; or HK$5,000 Cash Rebate (New Customer) ; or HK$2,000 Cash Rebate (New Customer) ; or HK$1,000 Cash Rebate (New Customer) ; or HK$700 Cash Rebate (New Customer) ; or HK$10,000 Cash Rebate (Existing premier banking customers) ; or HK$3,000 Cash Rebate (Existing premier banking customers) ; or HK$6,000 Cash Rebate (Existing premier banking customers) ; or HK$3,000 Cash Rebate (Existing premier banking customers) ; or HK$3,000 Cash Rebate (Existing premier banking customers) ; or HK$1,500 Cash Rebate (Existing premier banking customers) ; or HK$2,000 Cash Rebate (Existing premier banking customers) ; or HK$1,000 Cash Rebate (Existing premier banking customers) ; or HK$1,000 Cash Rebate (Existing premier banking customers) ; or HK$700 Cash Rebate (Existing premier banking customers) disclaimer_pl terms_and_conditions Apple Store Gift Card Offer From 2 October 2024 to 30 April 2025, new eligible customers who successfully who successfully applied and draw down for the instalment loan (excluding decoration loan and education loan) via Online with a loan amount of HK$200,000 or above during the Promotion Period will be entitled to one set of HK$500 Apple Gift Card Code. offers HK$500 Apple Store Gift Card disclaimer_pl terms_and_conditions Online Application Offer From 2 October 2024 to 30 April 2025, new eligible customers who successfully apply the instalment loan (excluding education loan) with the Bank via Online during the Promotion Period will be entitled up to HK$50 Starbucks e-Gift Certificate. offers HK$50 Starbucks e-Gift Certificate disclaimer_pl terms_and_conditions
CreFIT Cash Loan	n_a	n_a	n_a	eligible_rewards (4) view_rewards (4)	Apply Now on_provider_website	elgibile_rewards (4) view_rewards (4) Apply Now on_provider_website
eligible_rewards (4) MoneyHero Exclusive Offer [MoneyHero Exclusive Offer] - Drawdown Offer - HK$500 Apple Store Gift Card / Wellcome Shopping Voucher / Trip.com Gift Card From 31 March 2025 6 p.m. till 30 April 2025 6 p.m., new customers who successfully register via MoneyHero, and download CreFIT APP. After submitting a CreFIT Cash Loan application and obtain the approval result on or before 30 April 2025, and complete drawdown for a HK$10,000 or above loan within 1 month, can get HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher OR Trip.com Gift Card. Remember to click here to fill out the reward form within 7 days after application offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher ; or HK$500 Trip.com e-Voucher disclaimer_pl terms_and_conditions Cash Loan Approval Pledge From now till 30 Jun 2025：Pledges approval result within 60 seconds^ from receive complete loan application information and customer’s consent for accessing the credit reference report. If the approval result is not available within the guaranteed time, successfully approved customers can enjoy an Interest Waiver Coupon up to value HK$1,000.#No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that.^ From your consent accessing the credit report to the approval result. Applicable to qualified customers only. For details, please refer to the website. offers Up to HK$1,000 Interest Waiver Coupon disclaimer_pl terms_and_conditions
WeLab Bank Personal Instalment Loan	n_a	n_a	n_a	eligible_rewards (24) view_rewards (24)	Apply Now on_provider_website	elgibile_rewards (24) view_rewards (24) Apply Now on_provider_website
eligible_rewards (24) MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer] From 1 April 2025 6 p.m. to 30 April 2025 6 p.m., you can get extra HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero with entering the promo code "NLHERO" & submission of all required documents to the bank with loan amount HK$500,001 or above on or before 30 April 2025 offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Offer [MoneyHero Exclusive Offer] Customer is entitled to up to HK$7,000 Apple Store Gift Card / Wellcome Shopping Voucher Successfully applied and drawdown the Personal Instalment Loan from WeLab Bank with entered the referral code "NLHERO" from 1 April 2025 till 30 April 2025 6 p.m. enjoy: offers HK$7,000 Apple Store Gift Card ; or HK$7,000 Wellcome Shopping Voucher ; or Samsung Galaxy S25+ Ultra 256GB (valued at: HK$7,598) ; or HK$5,000 Apple Store Gift Card ; or HK$5,000 Wellcome Shopping Voucher ; or PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or HK$4,000 Apple Store Gift Card ; or HK$4,000 Wellcome Shopping Voucher ; or LG 30L Inverter Smart Dehumidifier MD18GQBE0 (valued at HK$6,090) ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher ; or HK$2,000 Apple Store Gift Card ; or HK$2,000 Wellcome Shopping Voucher ; or HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions WeLab Bank Cash Rebate "Upgraded Offer" Customer is entitled to up to $23,888 WeLab Bank Cash Rebate Offer Successfully applied and drawdown the Personal Instalment Loan from WeLab Bank with entered the referral code "NLHERO" from 1 April 2025 till 30 April 2025 to enjoy: offers HK$23,888 Cash Rebate ; or HK$18,000 Cash Rebate ; or HK$16,000 Cash Rebate ; or HK$14,000 Cash Rebate ; or HK$5,000 Cash Rebate ; or HK$3,000 Cash Rebate ; or HK$1,000 Cash Rebate disclaimer_pl terms_and_conditions
CCB (Asia) Personal Instalment Loan (Suitable for tax season)	n_a	n_a	n_a	eligible_rewards (14) view_rewards (14)	Apply Now on_provider_website	elgibile_rewards (14) view_rewards (14) Apply Now on_provider_website
eligible_rewards (14) MoneyHero Exclusive [MoneyHero Exclusive Offer] From 1 April 2025 to 30 April 2025 (both dates inclusive), a customer is entitled to the following MoneyHero Exclusive Offer. Loan application via mobile banking app is not applicable offers HK$5,000 Apple Store Gift Card ; or HK$5,000 Wellcome Shopping Voucher ; or HK$5,000 Trip.com Gift Card ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher ; or HK$3,000 Trip.com e-Gift Card disclaimer_pl terms_and_conditions Welcome Offer Limited Offer - Enjoy up to HK$10,000 Cash Rebate for successful application From 1 April 2025 to 30 April 2025, enjoy up to HK$10,000 cash rebate for success Personal Instalment Loan application, details as below: offers Cash Rebate: 0.5% of Loan Amount (round off) ; or Cash Rebate: 1% of Loan Amount (round off) ; or HK$3,000 Cash Rebate ; or HK$6,000 Cash Rebate ; or HK$4,000 Cash Rebate ; or HK$8,000 Cash Rebate ; or HK$10,000 Cash Rebate disclaimer_pl terms_and_conditions Limited Offer Limited Offer - Extra HK$500 Cash Rebate for online application From 1 April 2025 to 30 April 2025, customers who successfully apply online will be entitled to HK$500 Cash Rebate, details are shown as below: offers HK$500 Cash Rebate disclaimer_pl terms_and_conditions
CNCBI $mart Plus Personal Installment Loan – Debt Consolidation	n_a	n_a	n_a	eligible_rewards (27) view_rewards (27)	Apply Now on_provider_website	elgibile_rewards (27) view_rewards (27) Apply Now on_provider_website
eligible_rewards (27) MoneyHero Flash Offer [MoneyHero Exclusive Offer] Eligibility: successfully apply for CNCBI $mart Plus Personal Installment Loan on MoneyHero from 14 April 2025 6 p.m. till 30 April 2025 6 p.m., and choose a repayment period of 12 months or above, and need to drawdown within 1 month offers HK$7,000 Apple Store Gift Card ; or HK$7,000 Wellcome Shopping Voucher ; or Samsung Galaxy S25+ Ultra 256GB (valued at: HK$7,598) ; or HK$6,000 Apple Store Gift Card ; or HK$6,000 Wellcome Shopping Voucher ; or Dyson Solarcycle Morph™ floor light（valued at HK$6,580） ; or PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or HK$5,000 Apple Store Gift Card ; or HK$5,000 Wellcome Shopping Voucher ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher ; or LOJEL Cubo Large V1 30" suitcase (valued at HK$3,000; random color) ; or HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher ; or Sennheiser ACCENTUM true wireless earbuds (valued at HK$1,780; random color) disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer] - Time-limited HK$500 Apple Store Gift Card / Wellcome Shopping Voucher From 31 March 2025 6 p.m. till 30 April 2025 6 p.m., new customers who apply CNCBI $mart Plus Personal Installment Loan & submission of documents to the bank on or before 30 April 2025 6 p.m. via MoneyHero can get HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Welcome Offer: Apply Debt Consolidation Loan and Top Up Loan 【China CITIC Bank Offers - Enjoy up to HK$16,800 Cash Rebate】Customers successfully applying and drawdown for $mart Plus Personal Installment Loan including Personal Instalment Loan, Debt Consolidation and Top Up Loan with loan amount of HK$100,000 or above and repayment period of 12 months or above during the period from 1 April 2025 to 30 June 2025 (both dates inclusive) ("Promotion Period") shall be entitled to the corresponding Cash Rebate. Customers enjoy Cash Rebate of up to HK$8,400 upon the successful drawdown of Personal Installment Loan, Eligible Customers enjoy a doubled Cash Rebate of up to HK$16,800 upon the successful drawdown of Debt Consolidation or Top-up Loan. offers HK$16,800 Cash Rebate ; or HK$4,000 Cash Rebate ; or HK$7,800 Cash Rebate ; or HK$2,000 Cash Rebate ; or HK$4,800 Cash Rebate ; or HK$1,000 Cash Rebate ; or HK$2,400 Cash Rebate ; or HK$1,000 Cash Rebate ; or HK$1600 Cash Rebate ; or HK$1,000 Cash Rebate disclaimer_pl terms_and_conditions
Fubon Balance Transfer Personal Loan	n_a	n_a	n_a	eligible_rewards (15) view_rewards (15)	Apply Now on_provider_website	elgibile_rewards (15) view_rewards (15) Apply Now on_provider_website
eligible_rewards (15) MoneyHero Exclusive (Application Incentive) [MoneyHero Exclusive Offer] - Limited-time HK$1,000 Apple Store Gift Card / Wellcome Shopping Voucher From 31 March 2025 6 p.m. till 30 April 2025, 6 p.m., after submitting the “Fubon Bank contact form“ via MoneyHero using the promo code "MHCApp", Fubon customer service manager will contact you and complete the initial telephone application with you. Upon successful application and submitted all essential documents, regardless the loan result, you will be entitle for a HK$1,000 Apple Gift Card or Wellcome shopping voucher. offers HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Offer (input the promo code "MHCApp") [Apply via the short form; Till 30 April 2025]: From 31 March 2025, 6 p.m. till 30 April 2025, 6 p.m., successfully apply and complete drawdown within 1 month after application of the loan amount via MoneyHero using the promocode "MHCApp" with a tenor of 12 months or above, and Apply for the loan on Fubon Bank website or Fubon GO Mobile App to enjoy up to HK$15,000 Apple Gift Card OR Wellcome Shopping Voucher offers HK$15,000 Apple Store Gift Card ; or HK$15,000 Wellcome Shopping Voucher ; or Samsung Galaxy Z Flip6 512GB (Valued at: HK$9,698) ; or HK$8,000 Apple Store Gift Card ; or HK$8,000 Wellcome Shopping Voucher ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Limited Time Offer - Enjoy up to HK$23,500 Fubon Bank Offers - Enjoy up to HK$23,500 Supermarket Cash Coupon Successfully draw down the loan with 12 months tenor or above can receive up to HK$23,500 Supermarket Cash Coupon offers HK$23,500 Supermarket Voucher ; or HK$10,000 Supermarket Voucher ; or HK$5,000 Supermarket Voucher ; or HK$2,000 Supermarket Voucher ; or HK$800 Supermarket Voucher disclaimer_pl terms_and_conditions Fubon Bank Online Application Offer [Fubon Bank Offers] Online Application Offer: HK$300 Supermarket Cash Coupon offers HK$300 Supermarket Voucher disclaimer_pl terms_and_conditions
BOC Express Cash Instalment Loan	n_a	n_a	n_a	eligible_rewards (27) view_rewards (27)	Apply Now on_provider_website	elgibile_rewards (27) view_rewards (27) Apply Now on_provider_website
eligible_rewards (27) MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer- Application Incentive] From 31 March 2025 6 p.m. till 30 April 2025 6 p.m. (both dates inclusive), you can get extra HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application of BOC Express Cash Instalment Loan via MoneyHero, with submission of required documents regardless of loan amount or approval offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Offer (with the reference code "AH") [MoneyHero Exclusive Offer] Valid to 30 April 2025 6 p.m., successfully apply for BOC Express Cash Instalment Loan on MoneyHero by inputting a reference code “AH”, and drawdown the loan within 1 month to enjoy up to HK$3,000 cash voucher offers HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher ; or HK$2,000 Apple Store Gift Card ; or HK$2,000 Wellcome Shopping Voucher ; or HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions BOCHK Express Cash Instalment Loan Offer – Reward up to HK$10,800 Cash Rebate Successful applicants fulfill the following criteria from now until 30 April 2025, successful applicants submit the application and required documents and drawdown on or before 31 May 2025. Loan amount of HK$200,000 or above and with repayment tenor 24 months or Loan amount of HK$50,000 or above and with repayment tenor 36 months or above offers HK$10,800 Cash Rebate ; or HK$8,000 Cash Rebate ; or HK$4,000 Cash Rebate ; or HK$3,000 Cash Rebate ; or HK$2,000 Cash Rebate ; or HK$1,100 Cash Rebate ; or HK$700 Cash Rebate ; or HK$6,000 Cash Rebate ; or HK$5,000 Cash Rebate ; or HK$2,500 Cash Rebate ; or HK$2,000 Cash Rebate ; or HK$1,500 Cash Rebate ; or HK$500 Cash Rebate ; or HK$300 Cash Rebate ; or HK$2,000 Cash Rebate ; or HK$1,500 Cash Rebate ; or HK$1,000 Cash Rebate ; or HK$800 Cash Rebate ; or HK$500 Cash Rebate disclaimer_pl terms_and_conditions
Rabbit Cash Personal loan	n_a	n_a	n_a	eligible_rewards (4) view_rewards (4)	Apply Now on_provider_website	elgibile_rewards (4) view_rewards (4) Apply Now on_provider_website
eligible_rewards (4) MoneyHero Exclusive Offer [MoneyHero Exclusive Offer] Eligibility: successfully apply for Rabbit Cash Personal loan on MoneyHero from 31 March 2025 6 p.m. till 30 April 2025 6 p.m., and minimum loan amount is HK$10,000, with a minimum term of six months, and need to drawdown within 1 month offers HK$400 Apple Store Gift Card ; or HK$400 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer] - Time-limited HK$400 Apple Store Gift Card / Wellcome Shopping Voucher From 31 March 2025 6 p.m. till 30 April 2025 6 p.m., new customers who apply Rabbit Cash Personal loan & submission of documents to the bank on or before 30 April 2025 6 p.m. via MoneyHero can get HK$400 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown offers HK$400 Apple Store Gift Card ; or HK$400 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions
Fubon Perfect Fit Personal Loan (Suitable for tax season)	n_a	n_a	n_a	eligible_rewards (16) view_rewards (16)	Apply Now on_provider_website	elgibile_rewards (16) view_rewards (16) Apply Now on_provider_website
eligible_rewards (16) MoneyHero Exclusive Offer [Till 30 April 2025] Apply for the specified amount via MoneyHero and get up to HK$10,000 Apple Store Gift Card OR Trip.com Gift Card OR Wellcome Shopping Voucher Exclusive Offer: From 31 March 2025, 6 p.m. till 30 April 2025, 6 p.m., successfully apply and complete drawdown within 1 month after application of the loan amount via MoneyHero using the promocode「MHRL09」 with a tenor of 24 months or above to enjoy the gift below: offers HK$10,000 Apple Store Gift Card ; or HK$10,000 Wellcome Shopping Voucher ; or HK$10,000 Trip.com Gift Card ; or Samsung Galaxy S24+ (Valued at: HK$7,598) ; or HK$6,500 Apple Store Gift Card ; or HK$6,500 Wellcome Shopping Voucher ; or HK$6,500 Trip.com Gift Card ; or HK$1,200 Apple Store Gift Card ; or HK$1,200 Wellcome Shopping Voucher ; or HK$1,200 Trip.com Gift Card disclaimer_pl terms_and_conditions Fubon Bank Limited Time Offer – Enjoy up to HK$10,000 Reward Fubon Bank Offers - Enjoy up to HK$10,000 Cash Rewards Successful loan drawdown with 24 months tenor or above can receive supermarket cash coupon. offers HK$10,000 Supermarket Voucher ; or HK$7,000 Supermarket Voucher ; or HK$3,000 Supermarket Voucher ; or HK$1,200 Supermarket Voucher ; or HK$500 Supermarket Voucher disclaimer_pl terms_and_conditions Fubon Bank Online Application Offer [Fubon Bank Offers] Online Application Offer: HK$300 Supermarket Cash Coupon offers HK$300 Supermarket Voucher disclaimer_pl terms_and_conditions
Dah Sing Express Money Instalment Loan	n_a	n_a	n_a	eligible_rewards (10) view_rewards (10)	Apply Now on_provider_website	elgibile_rewards (10) view_rewards (10) Apply Now on_provider_website
eligible_rewards (10) MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer- Application Incentive] From 31 March 2025 6 p.m. till 30 April 2025 6 p.m. (both dates inclusive), you can get extra HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application of Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, with submission of required documents to Dah Sing Bank upon application, regardless of loan amount or approval offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive [MoneyHero Exclusive Offer] From 31 March 2025 6 p.m. till 30 April 2025 6 p.m. (both dates inclusive), customers who successfully apply for Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, and successfully drawdown by 30 April 2025, can enjoy HK$1,200 Apple Store Gift Card OR Wellcome Shopping Voucher offers HK$1,200 Apple Store Gift Card ; or HK$1,200 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Welcome Offer 【Customers can enjoy up to HK$11,800 Cash Rebate upon fulfilling the requirements below】The requirements include: From now till 30 June 2025: Successfully drawdown the Express Money Instalment Loan with loan tenor of 12 months or above; and Maintain or successfully apply for Dah Sing ONE+ Credit Card; and Maintain or successfully open a HKD Dah Sing Current Account or Savings Account during the Promotion Period. offers HK$11,800 Cash Rebate ; or HK$5,000 Cash Rebate ; or HK$1,000 Cash Rebate ; or HK$500 Cash Rebate ; or HK$100 Cash Rebate ; or HK$50 Cash Rebate disclaimer_pl terms_and_conditions
DBS Personal Instalment Loan	n_a	n_a	n_a	eligible_rewards (29) view_rewards (29)	Apply Now on_provider_website	elgibile_rewards (29) view_rewards (29) Apply Now on_provider_website
eligible_rewards (29) MoneyHero Exclusive [MoneyHeroExclusive Offer for New / Existing Customers] Customers who successfully apply for a Loan via MoneyHero between 31 March 2025 at 6 p.m. and 30 April 2025 at 6 p.m., and successfully apply for the DBS Personal Loan, drawing down the loan within one calendar month from the approval date, are entitled to receive worth up to HK$10,800 upon meeting the above requirements. offers HK$10,800 Apple Store Gift Card (New customers) ; or HK$10,800 Wellcome Shopping Voucher (New customers) ; or HK$8,000 Apple Store Gift Card (Existing customers) ; or HK$8,000 Wellcome Shopping Voucher (Existing customers) ; or HK$7,000 Apple Store Gift Card (New customers) ; or HK$7,000 Wellcome Shopping Voucher (New customers) ; or HK$5,500 Apple Store Gift Card (Existing customers) ; or HK$5,500 Wellcome Shopping Voucher (Existing customers) ; or HK$5,500 Apple Store Gift Card (New customers) ; or HK$5,500 Wellcome Shopping Voucher (New customers) ; or HK$4,500 Apple Store Gift Card (Existing customers) ; or HK$4,500 Wellcome Shopping Voucher (Existing customers) ; or HK$3,500 Apple Store Gift Card (New customers) ; or HK$3,500 Wellcome Shopping Voucher (New customers) ; or HK$3,000 Apple Store Gift Card (Existing customers) ; or HK$3,000 Wellcome Shopping Voucher (Existing customers) ; or HK$1,500 Apple Store Gift Card (New customers) ; or HK$1,500 Wellcome Shopping Voucher (New customers) ; or HK$1,000 Apple Store Gift Card (Existing customers) ; or HK$1,000 Wellcome Shopping Voucher (Existing customers) disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer- Application Incentive] From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., new customers who apply DBS Personal Instalment Loan OR DBS Debt Consolidation Loan Loan via MoneyHero can get HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions InstaRedeem Customers who successfully apply for a loan via the DBS website or the DBS Card+ Smartphone App between April 1, 2025, and June 30, 2025, and complete the loan drawdown within one calendar month from the application date can earn HK$300 InstaRedeem offers HK$300 Cash Reward disclaimer_pl terms_and_conditions Welcome Offer Customer successfully applied for the loan via DBS website or DBS Card+ Smart Phone App from 1 April 2025 till 30 June 2025 (Promotion Period), successfully applied for the loan within the promotion period; successfully drawdown the loan within one calendar month from the application date; Can earn up to HK$11,700 Supermarket Cash Coupon by fulfilling the above requirements offers HK$11,700 Supermarket Voucher ; or HK$3,200 Supermarket Voucher ; or HK$1,200 Supermarket Voucher ; or HK$3,200 Supermarket Voucher ; or HK$1,200 Supermarket Voucher ; or HK$800 Supermarket Voucher disclaimer_pl terms_and_conditions
X Large Personal Loan	n_a	n_a	n_a	eligible_rewards (11) view_rewards (11)	Apply Now on_provider_website	elgibile_rewards (11) view_rewards (11) Apply Now on_provider_website
eligible_rewards (11) MoneyHero Exclusive Application Incentive (with the promotion code "MHPL") [MoneyHero Exclusive Offer- Application Incentive (with the promotion code "MHPL")] From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., apply for the X Large Personal Loan via MoneyHero as a new customer and you can get HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher OR Trip.com Gift Card no matter the approval result. Complete the "Reward Redemption Form" within 7 days of successful submission of the application offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher ; or HK$800 Trip.com Gift Card disclaimer_pl terms_and_conditions Welcome Offer New and existing customers who apply for Zero Finance "X Large Personal Loan" for the first time in X Wallet App, enter the promo code "MHPL" during the application process, and successfully obtain a loan with a repayment period of 24 months or above, as well as meeting the following criteria, will be entitled to up to $15,000 in rewards. Promotion Period: From 1 October 2024 till 30 April 2025 Successful loan of $50,000 to $99,999 will be entitled to $500 X Pay e-Cash Coupon and $500 Cash Rebate; Successful loan of $1,000,000 or above will be entitled to up to $7,500 X Pay e-Cash Coupon and $7,500 Cash Rebate. offers $15,000 Cash Rebate (including $7,500 X Pay Coupon + $7,500 Cash Rebate) ; or $10,000 Cash Rebate (including $5,000 X Pay Coupon + $5,000 Cash Rebate) ; or $7,000 Cash Rebate (including $3,500 X Pay Coupon + $3,500 Cash Rebate) ; or $5,500 Cash Rebate (including $2,750 X Pay Coupon + $2,750 Cash Rebate) ; or $4,000 Cash Rebate (including $2,000 X Pay Coupon + $2,000 Cash Rebate) ; or $3,000 Cash Rebate (including $1,500 X Pay Coupon + $1,500 Cash Rebate) ; or $2,000 Cash Rebate (including $1,000 X Pay Coupon + $1,000 Cash Rebate) ; or $1,000 Cash Rebate (including $500 X Pay Coupon + $500 Cash Rebate) disclaimer_pl terms_and_conditions
CreFIT ClearCard Credit	n_a	n_a	n_a	n_a	Apply Now on_provider_website	Apply Now on_provider_website
Debt Changer	n_a	n_a	n_a	eligible_rewards (23) view_rewards (23)	Apply Now on_provider_website	elgibile_rewards (23) view_rewards (23) Apply Now on_provider_website
eligible_rewards (23) MoneyHero Exclusive Offer [MoneyHero Exclusive Offer] Customer is entitled to up to HK$8,000 Apple Store Gift Card / Wellcome Shopping Voucher / Trip.com Gift Card Successfully applied and drawdown the Personal Instalment Loan from Debt Changer with entered the referral code "MONEYHERO" from now on till 30 April 2025 to enjoy: offers Samsung Galaxy Book 4 360(16GB \| 512GB \| 15.6” \| core5) (valued at HK$9,980) ; or HK$8,000 Apple Store Gift Card ; or HK$8,000 Wellcome Shopping Voucher ; or HK$8,000 Trip.com e-Voucher ; or Sony Vlog camera ZV-1 (valued at HK$5,999; random color) ; or HK$5,000 Apple Store Gift Card ; or HK$5,000 Wellcome Shopping Voucher ; or HK$5,000 Trip.com Gift Card ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher ; or HK$3,000 Trip.com e-Gift Card ; or HK$2,000 Apple Store Gift Card ; or HK$2,000 Wellcome Shopping Voucher ; or HK$2,000 Trip.com Gift Card ; or HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher ; or HK$1,000 Trip.com e-Voucher ; or HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher ; or HK$1,000 Trip.com e-Voucher disclaimer_pl terms_and_conditions Limited-time offer - Up to HK$20,888 cash reward The customer is entitled to ZA Bank’s cash reward of up to HK$20,888 From now until 30 April 2025, users who successfully draw down the designated Debt Changer* with the coupons from the promo code “MONEYHERO” can enjoy the following rewards upon the completion of the 7-day Cooling-off Period: offers HK$20,888 Cash Reward ; or HK$6,888 Cash Reward ; or HK$1,888 Cash Reward disclaimer_pl terms_and_conditions
HSBC Personal Instalment Loan	n_a	n_a	n_a	eligible_rewards (2) view_rewards (2)	Apply Now on_provider_website	elgibile_rewards (2) view_rewards (2) Apply Now on_provider_website
eligible_rewards (2) Limited Time Offer - Up to HK$10,000 Rebate Limited-Time Offer - Up to HK$10,000 Rebate From 10 April 2025 to 13 May 2025, HSBC customers who successfully apply for an HSBC Personal Installment Loan and are approved for a specified loan amount and repayment term can receive a cash rebate of up to $10,000. It comprises the total sum of up to HK$5,000 cash rebate and $5,000 RewardCash under the Online Application Offer. Customers who successfully apply for and draw down an approved loan of HK$1,500,000 or above with a repayment period of 60 months via HSBC Online Banking or the HSBC HK App during the promotional period will be eligible for a total sum of up to $10,000 rebate. The rebate amount varies based on loan amount and repayment term. offers Up to HK$10,000 Rebate disclaimer_pl terms_and_conditions Document Submission Bonus - HK$300 Cash Rebate If you successfully submit the required supporting documents during the promotion period and are approved for a loan amount of HK$100,000 or more, you will receive a cash rebate of HK$300. This offer will not apply if no supporting documents are required for your loan application. Terms and conditions apply; please refer to the Terms and Conditions. offers HK$300 Cash Rebate disclaimer_pl terms_and_conditions
Citi Tax Season Loan	n_a	n_a	n_a	eligible_rewards (33) view_rewards (33)	Apply Now on_provider_website	elgibile_rewards (33) view_rewards (33) Apply Now on_provider_website
eligible_rewards (33) ⚡MoneyHero Double Exclusive Offer1️⃣Drawdown Offer MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher 【Exclusive Offer1️⃣】 From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. (inclusive of both start and end dates), successfully apply for a Citi Speedy Cash Personal Loan, Citi Tax Season Loan or Citi Credit Card Balance Transfer via MoneyHero, with a loan amount starting from HK$10,000 and draw down the loan within one month, to receive a HK$500 Apple Store Gift Card / Wellcome Shopping Voucher offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions ⚡MoneyHero Double Exclusive Offer2️⃣ Application Incentive MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher 【Exclusive Offer2️⃣ Application Incentive】 From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. (both dates inclusive), customers who apply for a Citi Speedy Cash Personal Loan, Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero & submission of documents to the bank, regardless of loan approval and drawdown, will receive a HK$800 Apple Store Gift Card or a Wellcome Shopping Voucher. offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Offer [MoneyHero Exclusive Offer] From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., successfully apply for Citi Tax Season Loan, Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan on MoneyHero, choose a repayment period of 12 months or above, and drawdown the loan within 1 month to enjoy the MoneyHero exclusive offer offers SAMSUNG Galaxy Book5 360 NP750QHA-KA3HK (valued at HK$11,980) ; or HK$10,000 Apple Store Gift Card ; or HK$10,000 Wellcome Shopping Voucher ; or Dyson Purifier Big+Quiet Formaldehyde BP04 (valued at: HK$8,180) ; or HK$7,000 Apple Store Gift Card ; or HK$7,000 Wellcome Shopping Voucher ; or PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or HK$6,000 Apple Store Gift Card ; or HK$6,000 Wellcome Shopping Voucher ; or SAMSUNG Galaxy Watch Ultra SM-L705FDAATGY (valued at HK$5,098) ; or HK$4,000 Apple Store Gift Card ; or HK$4,000 Wellcome Shopping Voucher ; or SENNHEISER Momentum Sport headphone ; or HK$1,500 Apple Store Gift Card ; or HK$1,500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Citi Welcome Offer [Citi Welcome Offer \| Up to HK$8,000 Cash Coupon] Clients who successfully apply for Citi Tax Season Loan, Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan from 1 January 2025 to 30 April 2025 and drawdown the loan on or before 14 May 2025 will be entitled to the following welcome offer offers HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$4,000 Cash Reward (Other customers) ; or HK$5,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$3,000 Cash Reward (Other customers) ; or HK$2,500 Cash Reward(Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$1,500 Cash Reward (Other customers) ; or HK$600 Cash Reward ; or HK$3,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$2,000 Cash Reward (Other customers) ; or HK$2,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$1,500 Cash Reward (Other customers) ; or HK$1,500 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$1,000 Cash Reward (Other customers) ; or HK$600 Cash Reward disclaimer_pl terms_and_conditions
CCB (Asia) “Low Interest” Balance Transfer Program	n_a	n_a	n_a	eligible_rewards (15) view_rewards (15)	Apply Now on_provider_website	elgibile_rewards (15) view_rewards (15) Apply Now on_provider_website
eligible_rewards (15) MoneyHero Exclusive [MoneyHero Exclusive Offer] From 1 April 2025 to 30 April 2025 (both dates inclusive), a customer is entitled to the following MoneyHero Exclusive Offer. Loan application via mobile banking app is not applicable offers HK$5,000 Apple Store Gift Card ; or HK$5,000 Wellcome Shopping Voucher ; or HK$5,000 Trip.com Gift Card ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher ; or HK$3,000 Trip.com e-Gift Card disclaimer_pl terms_and_conditions Limited Offer Limited Offer - Enjoy up to HK$14,500 Cash Rebate for successful application From 1 April 2025 till 30 April 2025, enjoy up to HK$14,500 cash rebate for successful application for 'Low Interest' Balance Transfer with Repayment period of 36 months or above, details are shown as below: offers HK$1,300 Cash Rebate ; or HK$2,500 Cash Rebate ; or HK$4,000 Cash Rebate ; or HK$5,000 Cash Rebate ; or HK$6,500 Cash Rebate ; or HK$9,000 Cash Rebate ; or HK$12,000 Cash Rebate ; or HK$14,500 Cash Rebate disclaimer_pl terms_and_conditions Limited Offer Limited Offer - Extra HK$500 Cash Rebate for online application From 1 April 2025 to 30 April 2025, customers who successfully apply online will be entitled to HK$500 Cash Rebate, details are shown as below: offers HK$500 Cash Rebate disclaimer_pl terms_and_conditions
BOC Express Cash Instalment Loan Balance Transfer	n_a	n_a	n_a	eligible_rewards (12) view_rewards (12)	Apply Now on_provider_website	elgibile_rewards (12) view_rewards (12) Apply Now on_provider_website
eligible_rewards (12) MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer- Application Incentive] From 31 March 2025 6 p.m. till 30 April 2025 6 p.m. (both dates inclusive), you can get extra HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application of BOC Express Cash Instalment Loan via MoneyHero, with submission of required documents regardless of loan amount or approval offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Offer (with the reference code "AH") [MoneyHero Exclusive Offer] Valid to 30 April 2025 6 p.m., successfully apply for BOC Express Cash Instalment Loan Balance Transfer on MoneyHero by inputting a reference code “AH”, and drawdown the loan within 1 month to enjoy the MoneyHero exclusive offer offers HK$4,000 Apple Store Gift Card ; or HK$4,000 Wellcome Shopping Voucher ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher ; or HK$2,000 Apple Store Gift Card ; or HK$2,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions BOCHK Offer – Reward up to HK$23,888 Cash Rebate Successfully apply and drawdown with a loan amount of HK$50,000 or above, and with a repayment tenor of 36 months or above with the promotion period The promotion period is from 31 March 2025 to 30 April 2025 (both dates inclusive). Successfully drawdown the loan on or before 31 May 2025 Successful registration with inputting reference code “AH” The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 30 June 2025 without prior notice offers HK$23,888 Cash Rebate ; or HK$13,888 Cash Rebate ; or HK$3,888 Cash Rebate ; or HK$888 Cash Rebate disclaimer_pl terms_and_conditions
Rabbit Credit Student Loan	n_a	n_a	n_a	eligible_rewards (4) view_rewards (4)	Apply Now on_provider_website	elgibile_rewards (4) view_rewards (4) Apply Now on_provider_website
eligible_rewards (4) MoneyHero Exclusive Offer [MoneyHero Exclusive Offer] Eligibility: successfully apply for Rabbit Credit Student Loan on MoneyHero from 31 March 2025 6 p.m. till 30 April 2025 6 p.m., and minimum loan amount is HK$5,000, with a minimum term of six months, and need to drawdown within 1 month offers HK$400 Apple Store Gift Card ; or HK$400 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer] - Time-limited HK$300 Apple Store Gift Card / Wellcome Shopping Voucher From 31 March 2025 6 p.m. till 30 April 2025 6 p.m., new customers who apply Rabbit Cash Personal loan & submission of documents to the bank on or before 30 April 2025 6 p.m. via MoneyHero can get HK$300 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown offers HK$300 Apple Store Gift Card ; or HK$300 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions
X Cash. AI Loan	n_a	n_a	n_a	eligible_rewards (4) view_rewards (4)	Apply Now on_provider_website	elgibile_rewards (4) view_rewards (4) Apply Now on_provider_website
eligible_rewards (4) MoneyHero Exclusive Application Incentive (with the promotion code "MH2700") [MoneyHero Exclusive Offer] From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., apply for the X Cash. AI Loan via MoneyHero as a new customer with the promotional code " MH2700" and you can get HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher OR Trip.com Gift Card no matter the approval result Complete the "Reward Redemption Form" within 7 days of successful submission of the application offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher ; or HK$800 Trip.com Gift Card disclaimer_pl terms_and_conditions Welcome Offer (with the invitation code "MH2700") From 31 March 2024 till 30 April 2025, eligible new customers who successfully apply for X Cash. AI Loan for the first time with an approved loan amount of HK$20,000 or above, will be entitled to up to HK$1,700 cash rebate. The loan account must be in normal and active status (overdue, write-off, and frozen are all regarded as abnormal accounts), and the daily loan balance needs to maintain HK$20,000 or above within 120 days upon loan contract confirmation day to entitle to up to HK$1,700 welcome offerings. offers HK$1,700 Cash Rebate disclaimer_pl terms_and_conditions
HSBC Personal Instalment Loan Balance Consolidation	n_a	n_a	n_a	eligible_rewards (12) view_rewards (12)	Apply Now on_provider_website	elgibile_rewards (12) view_rewards (12) Apply Now on_provider_website
eligible_rewards (12) Welcome Offer- HSBC’s Personal Instalment Loan Balance Consolidation Programme HSBC’s Personal Instalment Loan Balance Consolidation Program Promotional Period: From 10 April 2025 to 10 June 2025 Promotional Detail: You can enjoy cash rebate for your approved application of Personal Instalment Loan Balance Consolidation Programme (“Balance Consolidation Programme”) during the promotional period. offers HK$28,888 Cash Rebate ; or HK$10,000 Cash Rebate ; or HK$5,000 Cash Rebate ; or HK$2,000 Cash Rebate ; or HK$16,000 Cash Rebate ; or HK$8,000 Cash Rebate ; or HK$3,000 Cash Rebate ; or HK$1,500 Cash Rebate ; or HK$6,000 Cash Rebate ; or HK$4,000 Cash Rebate ; or HK$1,500 Cash Rebate ; or HK$500 Cash Rebate disclaimer_pl terms_and_conditions
PrimeCredit Balance Transfer	n_a	n_a	n_a	eligible_rewards (1) view_rewards (1)	Apply Now on_provider_website	elgibile_rewards (1) view_rewards (1) Apply Now on_provider_website
eligible_rewards (1) Welcome Offer [PrimeCredit Limited Offer] Up to HK$18,000 Cash Bonus From 1 March 2025 to 31 May 2025 (both dates inclusive), up to HK$18,000 cash bonus will be awarded upon successful application and drawdown of the designated personal loan offers Up to HK$18,000 Cash Bonus disclaimer_pl terms_and_conditions
PrimeCredit Property Owner Personal Loan	n_a	n_a	n_a	eligible_rewards (1) view_rewards (1)	Apply Now on_provider_website	elgibile_rewards (1) view_rewards (1) Apply Now on_provider_website
eligible_rewards (1) Welcome Offer [PrimeCredit Limited Offer] Up to HK$18,000 Cash Bonus From 1 March 2025 to 31 May 2025 (both dates inclusive), up to HK$18,000 cash bonus will be awarded upon successful application and drawdown of the designated personal loan offers Up to HK$18,000 Cash Bonus disclaimer_pl terms_and_conditions
PrimeCredit Civil Servant & Professional Loan - MoneyHero App Exclusive	n_a	n_a	n_a	n_a	on_provider_website	on_provider_website
Citi Card Debt Consolidation Loan	n_a	n_a	n_a	eligible_rewards (33) view_rewards (33)	Apply Now on_provider_website	elgibile_rewards (33) view_rewards (33) Apply Now on_provider_website
eligible_rewards (33) ⚡MoneyHero Double Exclusive Offer1️⃣Drawdown Offer MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher 【Exclusive Offer1️⃣】 From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. (inclusive of both start and end dates), successfully apply for a Citi Speedy Cash Personal Loan, Citi Tax Season Loan or Citi Credit Card Balance Transfer via MoneyHero, with a loan amount starting from HK$10,000 and draw down the loan within one month, to receive a HK$500 Apple Store Gift Card / Wellcome Shopping Voucher offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions ⚡MoneyHero Double Exclusive Offer2️⃣ Application Incentive MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher 【Exclusive Offer2️⃣ Application Incentive】 From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. (both dates inclusive), customers who apply for a Citi Speedy Cash Personal Loan, Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero & submission of documents to the bank, regardless of loan approval and drawdown, will receive a HK$800 Apple Store Gift Card or a Wellcome Shopping Voucher. offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Offer [MoneyHero Exclusive Offer] From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., successfully apply for Citi Tax Season Loan, Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan on MoneyHero, choose a repayment period of 12 months or above, and drawdown the loan within 1 month to enjoy the MoneyHero exclusive offer offers SAMSUNG Galaxy Book5 360 NP750QHA-KA3HK (valued at HK$11,980) ; or HK$10,000 Apple Store Gift Card ; or HK$10,000 Wellcome Shopping Voucher ; or Dyson Purifier Big+Quiet Formaldehyde BP04 (valued at: HK$8,180) ; or HK$7,000 Apple Store Gift Card ; or HK$7,000 Wellcome Shopping Voucher ; or PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or HK$6,000 Apple Store Gift Card ; or HK$6,000 Wellcome Shopping Voucher ; or SAMSUNG Galaxy Watch Ultra SM-L705FDAATGY (valued at HK$5,098) ; or HK$4,000 Apple Store Gift Card ; or HK$4,000 Wellcome Shopping Voucher ; or SENNHEISER Momentum Sport headphone ; or HK$1,500 Apple Store Gift Card ; or HK$1,500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Citi Welcome Offer [Citi Welcome Offer \| Up to HK$8,000 Cash Coupon] Clients who successfully apply for Citi Tax Season Loan, Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan from 1 January 2025 to 30 April 2025 and drawdown the loan on or before 14 May 2025 will be entitled to the following welcome offer offers HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$4,000 Cash Reward (Other customers) ; or HK$5,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$3,000 Cash Reward (Other customers) ; or HK$2,500 Cash Reward(Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$1,500 Cash Reward (Other customers) ; or HK$600 Cash Reward ; or HK$3,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$2,000 Cash Reward (Other customers) ; or HK$2,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$1,500 Cash Reward (Other customers) ; or HK$1,500 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or HK$1,000 Cash Reward (Other customers) ; or HK$600 Cash Reward disclaimer_pl terms_and_conditions
Dah Sing Credit Mastermind Instalment Loan	n_a	n_a	n_a	eligible_rewards (9) view_rewards (9)	Apply Now on_provider_website	elgibile_rewards (9) view_rewards (9) Apply Now on_provider_website
eligible_rewards (9) MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer- Application Incentive] From 31 March 2025 6 p.m. till 30 April 2025 6 p.m. (both dates inclusive), you can get extra HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application of Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, with submission of required documents to Dah Sing Bank upon application, regardless of loan amount or approval offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive [MoneyHero Exclusive Offer] From 31 March 2025 6 p.m. till 30 April 2025 6 p.m. (both dates inclusive), customers who successfully apply for Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, and successfully drawdown by 30 April 2025, can enjoy HK$1,200 Apple Store Gift Card OR Wellcome Shopping Voucher offers HK$1,200 Apple Store Gift Card ; or HK$1,200 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Welcome Offer 【Customers can receive up to HK$10,000 Cash Rebate】The requirements include: Successfully drawdown the Credit Mastermind Instalment Loan with a loan tenor of 12 months or above on or before 30 June 2025 ; Maintain or successfully open a HKD Dah Sing Current Account or Savings Account during the Promotion Period offers HK$10,000 Cash Rebate ; or HK$1,000 Cash Rebate ; or HK$500 Cash Rebate ; or HK$100 Cash Rebate ; or HK$50 Cash Rebate disclaimer_pl terms_and_conditions
OCBC Bank Balance Transfer Personal Loan	n_a	n_a	n_a	eligible_rewards (21) view_rewards (21)	Apply Now on_provider_website	elgibile_rewards (21) view_rewards (21) Apply Now on_provider_website
eligible_rewards (21) MoneyHero Exclusive Offer Successfully applied and drawdown for OCBC Debt Consolidation Personal Loan and Tax Loan on MoneyHero from 31 March 2025 6 p.m. to 30 April 2025 6 p.m. and enjoy up to HK$8,600 worth of rewards. offers iPhone 16 Pro (128GB, random colour) ; or HK$8,600 Apple Store Gift Card ; or HK$8,600 Wellcome Shopping Voucher ; or HK$6,000 Apple Store Gift Card ; or HK$6,000 Wellcome Shopping Voucher ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer- Application Incentive ] From 31 March 2025 6 p.m. till 30 April 2025 6 p.m., new customers who apply OCBC Personal Loan / Debt Consolidation Personal Loan & submission of documents to the bank on or before 30 April 2025 via MoneyHero can get HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Welcome Offer From 1 January 2025 to 30 April 2025, new customers who successfully applied and drawdown the loan via Online to enjoy up to HK$15,000 rewards offers HK$15,000 Cash Rebate ; or HK$10,000 Cash Rebate ; or HK$7,000 Cash Rebate ; or HK$4,000 Cash Rebate ; or HK$2,000 Cash Rebate ; or HK$14,000 Cash Rebate ; or HK$9,000 Cash Rebate ; or HK$6,000 Cash Rebate ; or HK$3,000 Cash Rebate ; or HK$1,000 Cash Rebate disclaimer_pl terms_and_conditions Apple Store Gift Card Offer From 2 October 2024 to 30 April 2025, new eligible customers who successfully who successfully applied and draw down for the instalment loan (excluding decoration loan and education loan) via Online with a loan amount of HK$200,000 or above during the Promotion Period will be entitled to one set of HK$500 Apple Gift Card Code. offers HK$500 Apple Store Gift Card disclaimer_pl terms_and_conditions Online Application Offer From 2 October 2024 to 30 April 2025, new eligible customers who successfully apply the instalment loan (excluding education loan) with the Bank via Online during the Promotion Period will be entitled up to HK$50 Starbucks e-Gift Certificate. offers HK$50 Starbucks e-Gift Certificate disclaimer_pl terms_and_conditions
WeLend Car Loan	n_a	n_a	n_a	eligible_rewards (8) view_rewards (8)	Apply Now on_provider_website	elgibile_rewards (8) view_rewards (8) Apply Now on_provider_website
eligible_rewards (8) MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer] From 25 April 2025 6 p.m. to 30 April 2025 6 p.m., new customers who apply WeLend Loan with full documents submitted via MoneyHero can get $500 Apple Store Gift Card OR Wellcome Shopping Voucher no matter application result Remember to complete the "MoneyHero Reward Redemption Form" after loan application within 7 days offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero New Exclusive Offer [MoneyHero New Exclusive Offer] Extra Cash Rebate of up to HK$21,800 From 1 April 2025 to 30 April 2025 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$21,800 cash reward. offers HK$21,800 Cash Reward ; or HK$17,800 Cash Reward ; or HK$15,800 Cash Reward ; or HK$13,800 Cash Reward ; or HK$9,800 Cash Reward ; or HK$2,800 Cash Reward disclaimer_pl terms_and_conditions
Fubon “EZ Cash” Personal Loan	n_a	n_a	n_a	eligible_rewards (6) view_rewards (6)	Apply Now on_provider_website	elgibile_rewards (6) view_rewards (6) Apply Now on_provider_website
eligible_rewards (6) MoneyHero Exclusive Offer [Till 30 April 2025] Apply for the specified amount via MoneyHero and get HK$1,200 Trip.com Gift Card OR Wellcome Shopping Voucher OR Apple Store Gift Card Exclusive Offer: From 31 March 2025 6 p.m. till 30 April 2025 6 p.m., successfully apply and complete drawdown within 1 month after application of the loan amount via MoneyHero using the 「MHRL09」 promocode with a tenor of 24 months or above, and apply for the loan on Fubon Bank website or Fubon GO Mobile App to enjoy HK$1,200 Trip.com Gift Card OR Wellcome Shopping Voucher OR Apple Store Gift Card offers HK$1,200 Apple Store Gift Card ; or HK$1,200 Wellcome Shopping Voucher ; or HK$1,200 Trip.com Gift Card disclaimer_pl terms_and_conditions Limited Time Offer - Enjoy up to HK$1,000 Loan Drawdown: Up to HK$1,000 Supermarket Cash Coupon Successful loan drawdown with 12 months tenor or above can receive supermarket cash coupon. offers HK$1,000 Supermarket Voucher ; or HK$1,000 Supermarket Voucher disclaimer_pl terms_and_conditions Fubon Bank Online Application Offer [Fubon Bank Offers] Online Application Offer: HK$300 Supermarket Cash Coupon offers HK$300 Supermarket Voucher disclaimer_pl terms_and_conditions
X Debt Consolidation Loan	n_a	n_a	n_a	eligible_rewards (11) view_rewards (11)	Apply Now on_provider_website	elgibile_rewards (11) view_rewards (11) Apply Now on_provider_website
eligible_rewards (11) MoneyHero Exclusive Application Incentive (with the promotion code "MHDC") [MoneyHero Exclusive Offer] HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher OR Trip.com Gift Card From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., apply for the X Debt Consolidation Loan via MoneyHero as a new customer and you can get HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher OR Trip.com Gift Card no matter the approval result Complete the "Reward Redemption Form" within 7 days of successful submission of the application offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher ; or HK$800 Trip.com Gift Card disclaimer_pl terms_and_conditions Welcome Offer New and existing customers who apply for Zero Finance "X Debt Consolidation Loan" for the first time in X Wallet App, enter the promo code "MHDC" during the application process, and successfully obtain a loan with a repayment period of 24 months or above, as well as meeting the following criteria, will be entitled to up to $15,000 in rewards. Promotion Period: From 1 October 2024 till 30 April 2025 Successful loan of $50,000 to $99,999 will be entitled to $500 X Pay e-Cash Coupon and $500 Cash Rebate; Successful loan of $1,000,000 or above will be entitled to up to $7,500 X Pay e-Cash Coupon and $7,500 Cash Rebate. offers $15,000 Cash Rebate (including $7,500 X Pay Coupon + $7,500 Cash Rebate) ; or $10,000 Cash Rebate (including $5,000 X Pay Coupon + $5,000 Cash Rebate) ; or $7,000 Cash Rebate (including $3,500 X Pay Coupon + $3,500 Cash Rebate) ; or $5,500 Cash Rebate (including $2,750 X Pay Coupon + $2,750 Cash Rebate) ; or $4,000 Cash Rebate (including $2,000 X Pay Coupon + $2,000 Cash Rebate) ; or $3,000 Cash Rebate (including $1,500 X Pay Coupon + $1,500 Cash Rebate) ; or $2,000 Cash Rebate (including $1,000 X Pay Coupon + $1,000 Cash Rebate) ; or $1,000 Cash Rebate (including $500 X Pay Coupon + $500 Cash Rebate) disclaimer_pl terms_and_conditions
UA Civil Servants and Professionals Express Loan	n_a	n_a	n_a	eligible_rewards (10) view_rewards (10)	Apply Now on_provider_website	elgibile_rewards (10) view_rewards (10) Apply Now on_provider_website
eligible_rewards (10) UA rewards you the Best-in-town+ offer [UA Rewards You with the Best-in-town⁺ Cash Reward^{^}] Earn a Cash Reward of up to $18,000 for new and existing customers. Offer is valid until 30 September 2025, learn more below. Enjoy up to HK$17,800 Cash Reward upon successfully drawdown a Personal Instalment Loan with a repayment period of 12 months or above. Get up to HKS200 Cash Reward upon successfully open and activate an e-Cash Revolving Loan account. offers HK$18,000 Cash Reward ; or HK$16,000 Cash Reward ; or HK$14,000 Cash Reward ; or HK$12,000 Cash Bonus ; or HK$10,000 Cash Rebate ; or HK$8,000 Cash Rebate ; or HK$5,000 Cash Reward ; or HK$3,700 Cash Reward ; or HK$2,700 Cash Reward ; or HK$1,700 Cash Reward disclaimer_pl terms_and_conditions
UA Debts Consolidation Loan	n_a	n_a	n_a	eligible_rewards (10) view_rewards (10)	Apply Now on_provider_website	elgibile_rewards (10) view_rewards (10) Apply Now on_provider_website
eligible_rewards (10) UA rewards you the Best-in-town+ offer [UA Rewards You with the Best-in-town⁺ Cash Reward^{^}] Earn a Cash Reward of up to $18,000 for new and existing customers. Offer is valid until 30 September 2025, learn more below. Enjoy up to HK$17,800 Cash Reward upon successfully drawdown a Personal Instalment Loan with a repayment period of 12 months or above. Get up to HKS200 Cash Reward upon successfully open and activate an e-Cash Revolving Loan account. offers HK$18,000 Cash Reward ; or HK$16,000 Cash Reward ; or HK$14,000 Cash Reward ; or HK$12,000 Cash Bonus ; or HK$10,000 Cash Rebate ; or HK$8,000 Cash Rebate ; or HK$5,000 Cash Reward ; or HK$3,700 Cash Reward ; or HK$2,700 Cash Reward ; or HK$1,700 Cash Reward disclaimer_pl terms_and_conditions
UA i-Money Express Online Personal Loan for Property Owner	n_a	n_a	n_a	eligible_rewards (10) view_rewards (10)	Apply Now on_provider_website	elgibile_rewards (10) view_rewards (10) Apply Now on_provider_website
eligible_rewards (10) UA rewards you the Best-in-town+ offer [UA Rewards You with the Best-in-town⁺ Cash Reward^{^}] Earn a Cash Reward of up to $18,000 for new and existing customers. Offer is valid until 30 September 2025, learn more below. Enjoy up to HK$17,800 Cash Reward upon successfully drawdown a Personal Instalment Loan with a repayment period of 12 months or above. Get up to HKS200 Cash Reward upon successfully open and activate an e-Cash Revolving Loan account. offers HK$18,000 Cash Reward ; or HK$16,000 Cash Reward ; or HK$14,000 Cash Reward ; or HK$12,000 Cash Bonus ; or HK$10,000 Cash Rebate ; or HK$8,000 Cash Rebate ; or HK$5,000 Cash Reward ; or HK$3,700 Cash Reward ; or HK$2,700 Cash Reward ; or HK$1,700 Cash Reward disclaimer_pl terms_and_conditions
WeLend Card Debt Consolidation Loan	n_a	n_a	n_a	eligible_rewards (10) view_rewards (10)	Apply Now on_provider_website	elgibile_rewards (10) view_rewards (10) Apply Now on_provider_website
eligible_rewards (10) Drawdown Offer Eligibility:From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. (both dates inclusive), successfully apply and drawdown a WeLend personal loan through MoneyHero, with minimum loan amount is HK$400,000 and a minimum term of 24 months, can get HK$1,000 Apple Store Gift Card / Wellcome Shopping Voucher. Remember to complete the "MoneyHero Reward Redemption Form" after loan application within 7 days. offers HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer] From 25 April 2025 6 p.m. to 30 April 2025 6 p.m., new customers who apply WeLend Loan with full documents submitted via MoneyHero can get $500 Apple Store Gift Card OR Wellcome Shopping Voucher no matter application result. Remember to complete the "MoneyHero Reward Redemption Form" after loan application within 7 days offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero New Exclusive Offer [MoneyHero New Exclusive Offer] Extra Cash Rebate of up to HK$21,800 From 1 April 2025 to 30 April 2025 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$21,800 cash reward. offers HK$21,800 Cash Reward ; or HK$17,800 Cash Reward ; or HK$15,800 Cash Reward ; or HK$13,800 Cash Reward ; or HK$9,800 Cash Reward ; or HK$2,800 Cash Reward disclaimer_pl terms_and_conditions
【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan	n_a	n_a	n_a	eligible_rewards (11) view_rewards (11)	Apply Now on_provider_website	elgibile_rewards (11) view_rewards (11) Apply Now on_provider_website
eligible_rewards (11) Drawdown Offer Eligibility:From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. (both dates inclusive), successfully apply and drawdown a WeLend personal loan through MoneyHero, with minimum loan amount is HK$400,000 and a minimum term of 24 months, can get HK$1,000 Apple Store Gift Card / Wellcome Shopping Voucher. Remember to complete the "MoneyHero Reward Redemption Form" after loan application within 7 days. offers HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer] From 25 April 2025 6 p.m. to 30 April 2025 6 p.m., new customers who apply WeLend Loan with full documents submitted via MoneyHero can get $500 Apple Store Gift Card OR Wellcome Shopping Voucher no matter application result. Remember to complete the "MoneyHero Reward Redemption Form" after loan application within 7 days offers HK$500 Apple Store Gift Card ; or HK$500 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions Drawdown to get iPhone 16 Pro Limited Time Drawdown Offer During the Promotion Period, selected customers who have successfully applied for and drawn down with a net loan amount of HK$600,000 or above, on the designated Personal Loan with a minimum loan tenor of 24 instalments shall be eligible to receive 1 iPhone 16 Pro (128G, Random colour) (Retail value HK$8,599). offers iPhone 16 Pro (128GB, random colour) disclaimer_pl terms_and_conditions MoneyHero New Exclusive Offer [MoneyHero New Exclusive Offer] Extra Cash Rebate of up to HK$21,800 From 1 April 2025 to 30 April 2025 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$21,800 cash reward. offers HK$21,800 Cash Reward ; or HK$17,800 Cash Reward ; or HK$15,800 Cash Reward ; or HK$13,800 Cash Reward ; or HK$9,800 Cash Reward ; or HK$2,800 Cash Reward disclaimer_pl terms_and_conditions
WeLab Bank Card Debt Consolidation Loan	n_a	n_a	n_a	eligible_rewards (24) view_rewards (24)	Apply Now on_provider_website	elgibile_rewards (24) view_rewards (24) Apply Now on_provider_website
eligible_rewards (24) MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer] From 1 April 2025 6 p.m. to 30 April 2025 6 p.m., you can get extra HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero with entering the promo code "NLHERO" & submission of all required documents to the bank with loan amount HK$500,001 or above on or before 30 April 2025 offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Offer [MoneyHero Exclusive Offer] Customer is entitled to up to HK$7,000 Apple Store Gift Card / Wellcome Shopping Voucher Successfully applied and drawdown the Personal Instalment Loan from WeLab Bank with entered the referral code "NLHERO" from 1 April 2025 till 30 April 2025 6 p.m. enjoy: offers HK$7,000 Apple Store Gift Card ; or HK$7,000 Wellcome Shopping Voucher ; or Samsung Galaxy S25+ Ultra 256GB (valued at: HK$7,598) ; or HK$5,000 Apple Store Gift Card ; or HK$5,000 Wellcome Shopping Voucher ; or PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or HK$4,000 Apple Store Gift Card ; or HK$4,000 Wellcome Shopping Voucher ; or LG 30L Inverter Smart Dehumidifier MD18GQBE0 (valued at HK$6,090) ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher ; or HK$2,000 Apple Store Gift Card ; or HK$2,000 Wellcome Shopping Voucher ; or HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions WeLab Bank Cash Rebate "Upgraded Offer" Customer is entitled to up to $23,888 WeLab Bank Cash Rebate Offer Successfully applied and drawdown the Personal Instalment Loan from WeLab Bank with entered the referral code "NLHERO" from 1 April 2025 till 30 April 2025 to enjoy: offers HK$23,888 Cash Rebate ; or HK$18,000 Cash Rebate ; or HK$16,000 Cash Rebate ; or HK$14,000 Cash Rebate ; or HK$5,000 Cash Rebate ; or HK$3,000 Cash Rebate ; or HK$1,000 Cash Rebate disclaimer_pl terms_and_conditions
WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals)	n_a	n_a	n_a	eligible_rewards (24) view_rewards (24)	Apply Now on_provider_website	elgibile_rewards (24) view_rewards (24) Apply Now on_provider_website
eligible_rewards (24) MoneyHero Exclusive Application Incentive [MoneyHero Exclusive Offer] From 1 April 2025 6 p.m. to 30 April 2025 6 p.m., you can get extra HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero with entering the promo code "NLHERO" & submission of all required documents to the bank with loan amount HK$500,001 or above on or before 30 April 2025 offers HK$800 Apple Store Gift Card ; or HK$800 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions MoneyHero Exclusive Offer [MoneyHero Exclusive Offer] Customer is entitled to up to HK$7,000 Apple Store Gift Card / Wellcome Shopping Voucher Successfully applied and drawdown the Personal Instalment Loan from WeLab Bank with entered the referral code "NLHERO" from 1 April 2025 till 30 April 2025 6 p.m. enjoy: offers HK$7,000 Apple Store Gift Card ; or HK$7,000 Wellcome Shopping Voucher ; or Samsung Galaxy S25+ Ultra 256GB (valued at: HK$7,598) ; or HK$5,000 Apple Store Gift Card ; or HK$5,000 Wellcome Shopping Voucher ; or PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or HK$4,000 Apple Store Gift Card ; or HK$4,000 Wellcome Shopping Voucher ; or LG 30L Inverter Smart Dehumidifier MD18GQBE0 (valued at HK$6,090) ; or HK$3,000 Apple Store Gift Card ; or HK$3,000 Wellcome Shopping Voucher ; or HK$2,000 Apple Store Gift Card ; or HK$2,000 Wellcome Shopping Voucher ; or HK$1,000 Apple Store Gift Card ; or HK$1,000 Wellcome Shopping Voucher disclaimer_pl terms_and_conditions WeLab Bank Cash Rebate "Upgraded Offer" Customer is entitled to up to $23,888 WeLab Bank Cash Rebate Offer Successfully applied and drawdown the Personal Instalment Loan from WeLab Bank with entered the referral code "NLHERO" from 1 April 2025 till 30 April 2025 to enjoy: offers HK$23,888 Cash Rebate ; or HK$18,000 Cash Rebate ; or HK$16,000 Cash Rebate ; or HK$14,000 Cash Rebate ; or HK$5,000 Cash Rebate ; or HK$3,000 Cash Rebate ; or HK$1,000 Cash Rebate disclaimer_pl terms_and_conditions

PrimeCredit Fixed Loan

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Standard Chartered Personal Instalment Loan

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CNCBI $mart Plus Personal Installment Loan

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MoneyHero Flash Offer

[MoneyHero Exclusive Offer]

Eligibility:
- successfully apply for CNCBI $mart Plus Personal Installment Loan on MoneyHero from 14 April 2025 6 p.m. till 30 April 2025 6 p.m., and choose a repayment period of 12 months or above, and need to drawdown within 1 month

offers

HK$7,000 Apple Store Gift Card ; or
HK$7,000 Wellcome Shopping Voucher ; or
Samsung Galaxy S25+ Ultra 256GB (valued at: HK$7,598) ; or
HK$6,000 Apple Store Gift Card ; or
HK$6,000 Wellcome Shopping Voucher ; or
Dyson Solarcycle Morph™ floor light（valued at HK$6,580） ; or
PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or
HK$5,000 Apple Store Gift Card ; or
HK$5,000 Wellcome Shopping Voucher ; or
HK$3,000 Apple Store Gift Card ; or
HK$3,000 Wellcome Shopping Voucher ; or
LOJEL Cubo Large V1 30" suitcase (valued at HK$3,000; random color) ; or
HK$1,000 Apple Store Gift Card ; or
HK$1,000 Wellcome Shopping Voucher ; or
Sennheiser ACCENTUM true wireless earbuds (valued at HK$1,780; random color)

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MoneyHero Exclusive Application Incentive

[MoneyHero Exclusive Offer] - Time-limited HK$500 Apple Store Gift Card / Wellcome Shopping Voucher

From 31 March 2025 6 p.m. till 30 April 2025 6 p.m., new customers who apply CNCBI $mart Plus Personal Installment Loan & submission of documents to the bank on or before 30 April 2025 6 p.m. via MoneyHero can get HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown

offers

HK$500 Apple Store Gift Card ; or
HK$500 Wellcome Shopping Voucher

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Welcome Offer: Apply Debt Consolidation Loan and Top Up Loan

【China CITIC Bank Offers - Enjoy up to HK$16,800 Cash Rebate】Customers successfully applying and drawdown for $mart Plus Personal Installment Loan including Personal Instalment Loan, Debt Consolidation and Top Up Loan with loan amount of HK$100,000 or above and repayment period of 12 months or above during the period from 1 April 2025 to 30 June 2025 (both dates inclusive) ("Promotion Period") shall be entitled to the corresponding Cash Rebate. Customers enjoy Cash Rebate of up to HK$8,400 upon the successful drawdown of Personal Installment Loan, Eligible Customers enjoy a doubled Cash Rebate of up to HK$16,800 upon the successful drawdown of Debt Consolidation or Top-up Loan.

offers

HK$16,800 Cash Rebate ; or
HK$4,000 Cash Rebate ; or
HK$7,800 Cash Rebate ; or
HK$2,000 Cash Rebate ; or
HK$4,800 Cash Rebate ; or
HK$1,000 Cash Rebate ; or
HK$2,400 Cash Rebate ; or
HK$1,000 Cash Rebate ; or
HK$1600 Cash Rebate ; or
HK$1,000 Cash Rebate

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Mox Instant Loan (New customers)

Apply Now

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Application Incentive (using “MHCASH10”)

[MoneyHero Application Incentive] Eligibility: From 31 March 2025 6 p.m. to 30 April 2025 6 p.m.

Customers apply for Mox Instant Loan (min. loan amount: HK$70,000) using invitation code “MHCASH10”. Regardless of approval result, The customer will receive an email from Mox Bank containing a redemption code (a 7-character combination of letters and numbers) within 30 working days after applying for the loan.

offers

HK$600 Apple Store Gift Card ; or
HK$600 HKTVmall e-Gift Voucher ; or
HK$600 Trip.com Gift Card

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Approval Bonus for all customers onboarded (using “MHCASH10”) (New customers)

[MoneyHero Exclusive Offer]

Eligibility: From 31 March 2025 6 p.m. to 30 April 2025 6 p.m.

Mox New customers: who successfully open Mox account during promotion period and apply for Mox Instant Loan (min. loan account: HK$70,000) using invitation code “MHCASH10” within 60 days, can get up to HK$3,200 exclusive reward. New customers will receive an email from Mox Bank containing a redemption code (a 7-digital code) within 30 working days after applying for the loan. Please remember to complete the “Reward Redemption Form” within 14 days of receiving the code.

offers

HK$1,500 Apple Store Gift Card（New customers） ; or
HK$1,500 HKTVmall e-gift Voucher (New customers) ; or
HK$1,500 Trip.com Gift Card (New customers) ; or
HK$2,500 Apple Store Gift Card (New customers) ; or
HK$2,500 HKTVmall e-gift Voucher (New customers) ; or
HK$2,500 Trip.com e-gift Voucher (New customers) ; or
HK$3,500 Apple Store Gift Card (New customers) ; or
HK$3,500 HKTVmall e-gift Voucher (New customers) ; or
HK$3,500 Trip.com e-gift Voucher (New customers)

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Up to HK$6,888 Cash Reward

From 31 March 2025 6 p.m. until 30 April 2025 6 p.m., you can enjoy up to HK$6,888 Cash Reward when you successfully apply for our designed Instant Loan. Cash rewards will be credited to your Mox Account on or before 31 May 2025.

offers

HK$888 Cash Reward ; or
HK$888 Cash Reward ; or
HK$1,888 Cash Reward ; or
HK$3,888 Cash Reward ; or
HK$6,888 Cash Reward

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Mox Instant Loan (Existing customers)

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UA i-Money Express Online Personal Loan

Apply Now

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WeLend Instant Personal Loan

Apply Now

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eligible_rewards (11)

Citi Speedy Cash Personal Loan

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⚡MoneyHero Double Exclusive Offer1️⃣Drawdown Offer

MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher

【Exclusive Offer1️⃣】 From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. (inclusive of both start and end dates), successfully apply for a Citi Speedy Cash Personal Loan, Citi Tax Season Loan or Citi Credit Card Balance Transfer via MoneyHero, with a loan amount starting from HK$10,000 and draw down the loan within one month, to receive a HK$500 Apple Store Gift Card / Wellcome Shopping Voucher

offers

HK$500 Apple Store Gift Card ; or
HK$500 Wellcome Shopping Voucher

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⚡MoneyHero Double Exclusive Offer2️⃣ Application Incentive

MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher

【Exclusive Offer2️⃣ Application Incentive】 From 31 March 2025 6 p.m. to 30 April 2025 6 p.m. (both dates inclusive), customers who apply for a Citi Speedy Cash Personal Loan, Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero & submission of documents to the bank, regardless of loan approval and drawdown, will receive a HK$800 Apple Store Gift Card or a Wellcome Shopping Voucher.

offers

HK$800 Apple Store Gift Card ; or
HK$800 Wellcome Shopping Voucher

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MoneyHero Exclusive Offer

[MoneyHero Exclusive Offer]

From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., successfully apply for Citi Tax Season Loan, Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan on MoneyHero, choose a repayment period of 12 months or above, and drawdown the loan within 1 month to enjoy the MoneyHero exclusive offer

offers

SAMSUNG Galaxy Book5 360 NP750QHA-KA3HK (valued at HK$11,980) ; or
HK$10,000 Apple Store Gift Card ; or
HK$10,000 Wellcome Shopping Voucher ; or
Dyson Purifier Big+Quiet Formaldehyde BP04 (valued at: HK$8,180) ; or
HK$7,000 Apple Store Gift Card ; or
HK$7,000 Wellcome Shopping Voucher ; or
PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or
HK$6,000 Apple Store Gift Card ; or
HK$6,000 Wellcome Shopping Voucher ; or
SAMSUNG Galaxy Watch Ultra SM-L705FDAATGY (valued at HK$5,098) ; or
HK$4,000 Apple Store Gift Card ; or
HK$4,000 Wellcome Shopping Voucher ; or
SENNHEISER Momentum Sport headphone ; or
HK$1,500 Apple Store Gift Card ; or
HK$1,500 Wellcome Shopping Voucher

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Citi Welcome Offer

[Citi Welcome Offer | Up to HK$8,000 Cash Coupon]

Clients who successfully apply for Citi Tax Season Loan, Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan from 1 January 2025 to 30 April 2025 and drawdown the loan on or before 14 May 2025 will be entitled to the following welcome offer

offers

HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$4,000 Cash Reward (Other customers) ; or
HK$5,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$3,000 Cash Reward (Other customers) ; or
HK$2,500 Cash Reward(Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$1,500 Cash Reward (Other customers) ; or
HK$600 Cash Reward ; or
HK$3,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$2,000 Cash Reward (Other customers) ; or
HK$2,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$1,500 Cash Reward (Other customers) ; or
HK$1,500 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$1,000 Cash Reward (Other customers) ; or
HK$600 Cash Reward

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DBS Debt Consolidation Loan

Apply Now

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MoneyHero Exclusive Offer

[MoneyHero Exclusive Offer for New / Existing Customers]

Customers are entitled to a reward HK$13,000 exclusive Apple Store Gift Card or Wellcome Shopping Voucher upon the following requirements are satisfied

offers

HK$13,000 Apple Store Gift Card (New customers) ; or
HK$13,000 Wellcome Shopping Voucher (New customers) ; or
HK$11,000 Apple Store Gift Card (Existing customers) ; or
HK$11,000 Wellcome Shopping Voucher (Existing customers) ; or
HK$12,300 Apple Store Gift Card (New customers) ; or
HK$12,300 Wellcome Shopping Voucher (New customers) ; or
HK$10,300 Apple Store Gift Card (Existing customers) ; or
HK$10,300 Wellcome Shopping Voucher (Existing customers) ; or
HK$8,200 Apple Store Gift Card (New customers) ; or
HK$8,200 Wellcome Shopping Voucher（New customers） ; or
HK$7,200 Apple Store Gift Card (Existing customers) ; or
HK$7,200 Wellcome Shopping Voucher (Existing customers) ; or
HK$2,300 Apple Store Gift Card (New customers) ; or
HK$2,300 Wellcome Shopping Voucher (New customers) ; or
HK$2,000 Apple Store Gift Card (Existing customers) ; or
HK$2,000 Wellcome Shopping Voucher (Existing customers)

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MoneyHero Exclusive Application Incentive

[MoneyHero Exclusive Offer- Application Incentive] From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., new customers who apply DBS Personal Instalment Loan OR DBS Debt Consolidation Loan Loan via MoneyHero can get HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result

offers

HK$500 Apple Store Gift Card ; or
HK$500 Wellcome Shopping Voucher

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Welcome Offer

Get an extra HK$300 Supermarket Voucher by fulfilling the following requirements

offers

HK$300 Supermarket Voucher

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Welcome Offer

Customers successfully apply and drawdown a a repayment period of 36 months or above loan through MoneyHero and fulfilling the following requirements may earn up to HK$23,500 Supermarket Voucher:

offers

HK$23,500 Supermarket Voucher ; or
HK$11,500 Supermarket Voucher ; or
HK$5,500 Supermarket Voucher ; or
HK$2,000 Supermarket Voucher ; or
HK$700 Supermarket Voucher

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Standard Chartered Debt Consolidation Program

Apply Now

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MoneyHero Highest-value Exclusive Offer

[MoneyHero Exclusive Offer]
From 31 March 2025 6 p.m. to 30 April 2025 6 p.m., customers who have successfully applied for and approved a loan of HK$100,000 or above and draw down the loan within 3 months can enjoy the following exclusive offers

offers

SAMSUNG Galaxy Book5 360 NP750QHA-KA3HK (valued at HK$11,980) ; or
HK$11,000 Apple Store Gift Card ; or
HK$11,000 Wellcome Shopping Voucher ; or
iPhone 16 Pro Max (256GB, random colour) ; or
HK$9,000 Apple Store Gift Card ; or
HK$9,000 Wellcome Shopping Voucher ; or
Samsung Galaxy S25+ 512GB (valued at: HK$8,598) ; or
HK$7,500 Apple Store Gift Card ; or
HK$7,500 Wellcome Shopping Voucher ; or
Sony PlayStation®5 Slim Game Console Disc Edition (valued at: HK$3,780) ; or
HK$3,500 Apple Store Gift Card ; or
HK$3,500 Wellcome Shopping Voucher ; or
Sennheiser ACCENTUM True Wireless (valued at:HK$1,499) ; or
HK$1,000 Apple Store Gift Card ; or
HK$1,000 Wellcome Shopping Voucher

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MoneyHero Exclusive Application Incentive

Valid until 30 April 2025 6 p.m., you can get extra HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2025, regardless of loan approval and drawdown

offers

HK$800 Apple Store Gift Card ; or
HK$800 Wellcome Shopping Voucher

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【SCB Welcome Offer - Extra HK$5,000 Cash Rebate】

【SCB Welcome Offer - Extra HK$5,000 Cash Rebate】

From 1 April 2025 to 31 May 2025, a client who successfully applied and drawdown the loan online fulfilling requirement below is entitled to extra HK$5,000 Cash Rebate.
- - Loan Tenor 12-84 months
- - Loan Amount HK$100,000 or above

offers

HK$5,000 Cash Rebate

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SCB Welcome Offer - Up to HK$20,000 Cash Rebate

【SCB Welcome Offer - Up to HK$20,000 Cash Rebate】

From 1 April 2025 to 31 May 2025, a client who successfully applied and drawdown the loan online with loan tenor 12-84 months is entitled to enjoy up to HK$20,000 Cash Rebate.

offers

HK$20,000 Cash Rebate ; or
HK$11,000 Cash Rebate ; or
HK$5,000 Cash Rebate ; or
HK$3,000 Cash Rebate ; or
HK$800 Cash Rebate

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OCBC Bank Tax Loan

Apply Now

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MoneyHero Exclusive Offer

Successfully applied and drawdown for OCBC Debt Consolidation Personal Loan and Tax Loan on MoneyHero from 31 March 2025 6 p.m. to 30 April 2025 6 p.m. and enjoy up to HK$8,600 worth of rewards.

offers

iPhone 16 Pro (128GB, random colour) ; or
HK$8,600 Apple Store Gift Card ; or
HK$8,600 Wellcome Shopping Voucher ; or
HK$6,000 Apple Store Gift Card ; or
HK$6,000 Wellcome Shopping Voucher ; or
HK$3,000 Apple Store Gift Card ; or
HK$3,000 Wellcome Shopping Voucher

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MoneyHero Exclusive Application Incentive

[MoneyHero Exclusive Offer- Application Incentive ] From 31 March 2025 6 p.m. till 30 April 2025 6 p.m., new customers who applys OCBC Tax Loan & submission of documents to the bank on or before 30 April 2025 via MoneyHero can get HK$300 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown

offers

HK$300 Apple Store Gift Card ; or
HK$300 Wellcome Shopping Voucher

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terms_and_conditions

OCBC Bank Welcome Offer

[OCBC Bank Welcome Offer- up to HKD10,000 Cash Rebate promotion for Pure Tax Loan】Clients who successfully apply for OCBC Bank Tax Loan from 10 October 2024 to 30 April 2025 and successfully applied and opened a deposit account for Premier Banking with OCBC Bank (Hong Kong) Limited and deposit designated amount of new funds into the said account within 1 month before or after the approval date of the loan.The Promotion is only applicable to new customers (“Eligible Customers”)
a. 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 and Revolving Credit) with OCBC Bank (Hong Kong) Limited (“the Bank”) at any time during the 12 months immediately preceding the date of the Eligible Customers’ loan application; and
b. 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 Credit (Hong Kong) Limited at any time during the 12 months immediately preceding the date of the Eligible Customers’ loan application.

offers

HK$9,000 Cash Rebate (New Customer) ; or
HK$5,000 Cash Rebate (New Customer) ; or
HK$2,000 Cash Rebate (New Customer) ; or
HK$1,000 Cash Rebate (New Customer) ; or
HK$700 Cash Rebate (New Customer) ; or
HK$10,000 Cash Rebate (Existing premier banking customers) ; or
HK$3,000 Cash Rebate (Existing premier banking customers) ; or
HK$6,000 Cash Rebate (Existing premier banking customers) ; or
HK$3,000 Cash Rebate (Existing premier banking customers) ; or
HK$3,000 Cash Rebate (Existing premier banking customers) ; or
HK$1,500 Cash Rebate (Existing premier banking customers) ; or
HK$2,000 Cash Rebate (Existing premier banking customers) ; or
HK$1,000 Cash Rebate (Existing premier banking customers) ; or
HK$1,000 Cash Rebate (Existing premier banking customers) ; or
HK$700 Cash Rebate (Existing premier banking customers)

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terms_and_conditions

Apple Store Gift Card Offer

From 2 October 2024 to 30 April 2025, new eligible customers who successfully who successfully applied and draw down for the instalment loan (excluding decoration loan and education loan) via Online with a loan amount of HK$200,000 or above during the Promotion Period will be entitled to one set of HK$500 Apple Gift Card Code.

offers

HK$500 Apple Store Gift Card

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terms_and_conditions

Online Application Offer

From 2 October 2024 to 30 April 2025, new eligible customers who successfully apply the instalment loan (excluding education loan) with the Bank via Online during the Promotion Period will be entitled up to HK$50 Starbucks e-Gift Certificate.

offers

HK$50 Starbucks e-Gift Certificate

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terms_and_conditions

CreFIT Cash Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (4)

WeLab Bank Personal Instalment Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (24)

CCB (Asia) Personal Instalment Loan (Suitable for tax season)

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (14)

CNCBI $mart Plus Personal Installment Loan – Debt Consolidation

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (27)

MoneyHero Flash Offer

[MoneyHero Exclusive Offer]

Eligibility:
- successfully apply for CNCBI $mart Plus Personal Installment Loan on MoneyHero from 14 April 2025 6 p.m. till 30 April 2025 6 p.m., and choose a repayment period of 12 months or above, and need to drawdown within 1 month

offers

HK$7,000 Apple Store Gift Card ; or
HK$7,000 Wellcome Shopping Voucher ; or
Samsung Galaxy S25+ Ultra 256GB (valued at: HK$7,598) ; or
HK$6,000 Apple Store Gift Card ; or
HK$6,000 Wellcome Shopping Voucher ; or
Dyson Solarcycle Morph™ floor light（valued at HK$6,580） ; or
PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or
HK$5,000 Apple Store Gift Card ; or
HK$5,000 Wellcome Shopping Voucher ; or
HK$3,000 Apple Store Gift Card ; or
HK$3,000 Wellcome Shopping Voucher ; or
LOJEL Cubo Large V1 30" suitcase (valued at HK$3,000; random color) ; or
HK$1,000 Apple Store Gift Card ; or
HK$1,000 Wellcome Shopping Voucher ; or
Sennheiser ACCENTUM true wireless earbuds (valued at HK$1,780; random color)

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terms_and_conditions

MoneyHero Exclusive Application Incentive

[MoneyHero Exclusive Offer] - Time-limited HK$500 Apple Store Gift Card / Wellcome Shopping Voucher

offers

HK$500 Apple Store Gift Card ; or
HK$500 Wellcome Shopping Voucher

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terms_and_conditions

Welcome Offer: Apply Debt Consolidation Loan and Top Up Loan

offers

HK$16,800 Cash Rebate ; or
HK$4,000 Cash Rebate ; or
HK$7,800 Cash Rebate ; or
HK$2,000 Cash Rebate ; or
HK$4,800 Cash Rebate ; or
HK$1,000 Cash Rebate ; or
HK$2,400 Cash Rebate ; or
HK$1,000 Cash Rebate ; or
HK$1600 Cash Rebate ; or
HK$1,000 Cash Rebate

disclaimer_pl

terms_and_conditions

Fubon Balance Transfer Personal Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (15)

MoneyHero Exclusive (Application Incentive)

[MoneyHero Exclusive Offer] - Limited-time HK$1,000 Apple Store Gift Card / Wellcome Shopping Voucher
From 31 March 2025 6 p.m. till 30 April 2025, 6 p.m., after submitting the “Fubon Bank contact form“ via MoneyHero using the promo code "MHCApp", Fubon customer service manager will contact you and complete the initial telephone application with you. Upon successful application and submitted all essential documents, regardless the loan result, you will be entitle for a HK$1,000 Apple Gift Card or Wellcome shopping voucher.

offers

HK$1,000 Apple Store Gift Card ; or
HK$1,000 Wellcome Shopping Voucher

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terms_and_conditions

MoneyHero Exclusive Offer (input the promo code "MHCApp")

[Apply via the short form; Till 30 April 2025]: From 31 March 2025, 6 p.m. till 30 April 2025, 6 p.m., successfully apply and complete drawdown within 1 month after application of the loan amount via MoneyHero using the promocode "MHCApp" with a tenor of 12 months or above, and

Apply for the loan on Fubon Bank website or Fubon GO Mobile App to enjoy up to HK$15,000 Apple Gift Card OR Wellcome Shopping Voucher

offers

HK$15,000 Apple Store Gift Card ; or
HK$15,000 Wellcome Shopping Voucher ; or
Samsung Galaxy Z Flip6 512GB (Valued at: HK$9,698) ; or
HK$8,000 Apple Store Gift Card ; or
HK$8,000 Wellcome Shopping Voucher ; or
HK$3,000 Apple Store Gift Card ; or
HK$3,000 Wellcome Shopping Voucher

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terms_and_conditions

Limited Time Offer - Enjoy up to HK$23,500

Fubon Bank Offers - Enjoy up to HK$23,500 Supermarket Cash Coupon

Successfully draw down the loan with 12 months tenor or above can receive up to HK$23,500 Supermarket Cash Coupon

offers

HK$23,500 Supermarket Voucher ; or
HK$10,000 Supermarket Voucher ; or
HK$5,000 Supermarket Voucher ; or
HK$2,000 Supermarket Voucher ; or
HK$800 Supermarket Voucher

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terms_and_conditions

Fubon Bank Online Application Offer

[Fubon Bank Offers] Online Application Offer: HK$300 Supermarket Cash Coupon

offers

HK$300 Supermarket Voucher

disclaimer_pl

terms_and_conditions

BOC Express Cash Instalment Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (27)

MoneyHero Exclusive Application Incentive

[MoneyHero Exclusive Offer- Application Incentive] From 31 March 2025 6 p.m. till 30 April 2025 6 p.m. (both dates inclusive), you can get extra HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application of BOC Express Cash Instalment Loan via MoneyHero, with submission of required documents regardless of loan amount or approval

offers

HK$500 Apple Store Gift Card ; or
HK$500 Wellcome Shopping Voucher

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terms_and_conditions

MoneyHero Exclusive Offer (with the reference code "AH")

[MoneyHero Exclusive Offer] Valid to 30 April 2025 6 p.m., successfully apply for BOC Express Cash Instalment Loan on MoneyHero by inputting a reference code “AH”, and drawdown the loan within 1 month to enjoy up to HK$3,000 cash voucher

offers

HK$3,000 Apple Store Gift Card ; or
HK$3,000 Wellcome Shopping Voucher ; or
HK$2,000 Apple Store Gift Card ; or
HK$2,000 Wellcome Shopping Voucher ; or
HK$1,000 Apple Store Gift Card ; or
HK$1,000 Wellcome Shopping Voucher

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terms_and_conditions

BOCHK Express Cash Instalment Loan Offer – Reward up to HK$10,800 Cash Rebate

Successful applicants fulfill the following criteria from now until 30 April 2025, successful applicants submit the application and required documents and drawdown on or before 31 May 2025.

Loan amount of HK$200,000 or above and with repayment tenor 24 months or
Loan amount of HK$50,000 or above and with repayment tenor 36 months or above

offers

HK$10,800 Cash Rebate ; or
HK$8,000 Cash Rebate ; or
HK$4,000 Cash Rebate ; or
HK$3,000 Cash Rebate ; or
HK$2,000 Cash Rebate ; or
HK$1,100 Cash Rebate ; or
HK$700 Cash Rebate ; or
HK$6,000 Cash Rebate ; or
HK$5,000 Cash Rebate ; or
HK$2,500 Cash Rebate ; or
HK$2,000 Cash Rebate ; or
HK$1,500 Cash Rebate ; or
HK$500 Cash Rebate ; or
HK$300 Cash Rebate ; or
HK$2,000 Cash Rebate ; or
HK$1,500 Cash Rebate ; or
HK$1,000 Cash Rebate ; or
HK$800 Cash Rebate ; or
HK$500 Cash Rebate

disclaimer_pl

terms_and_conditions

Rabbit Cash Personal loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (4)

Fubon Perfect Fit Personal Loan (Suitable for tax season)

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (16)

Dah Sing Express Money Instalment Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (10)

DBS Personal Instalment Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (29)

MoneyHero Exclusive

[MoneyHeroExclusive Offer for New / Existing Customers]

Customers who successfully apply for a Loan via MoneyHero between 31 March 2025 at 6 p.m. and 30 April 2025 at 6 p.m., and successfully apply for the DBS Personal Loan, drawing down the loan within one calendar month from the approval date, are entitled to receive worth up to HK$10,800 upon meeting the above requirements.

offers

HK$10,800 Apple Store Gift Card (New customers) ; or
HK$10,800 Wellcome Shopping Voucher (New customers) ; or
HK$8,000 Apple Store Gift Card (Existing customers) ; or
HK$8,000 Wellcome Shopping Voucher (Existing customers) ; or
HK$7,000 Apple Store Gift Card (New customers) ; or
HK$7,000 Wellcome Shopping Voucher (New customers) ; or
HK$5,500 Apple Store Gift Card (Existing customers) ; or
HK$5,500 Wellcome Shopping Voucher (Existing customers) ; or
HK$5,500 Apple Store Gift Card (New customers) ; or
HK$5,500 Wellcome Shopping Voucher (New customers) ; or
HK$4,500 Apple Store Gift Card (Existing customers) ; or
HK$4,500 Wellcome Shopping Voucher (Existing customers) ; or
HK$3,500 Apple Store Gift Card (New customers) ; or
HK$3,500 Wellcome Shopping Voucher (New customers) ; or
HK$3,000 Apple Store Gift Card (Existing customers) ; or
HK$3,000 Wellcome Shopping Voucher (Existing customers) ; or
HK$1,500 Apple Store Gift Card (New customers) ; or
HK$1,500 Wellcome Shopping Voucher (New customers) ; or
HK$1,000 Apple Store Gift Card (Existing customers) ; or
HK$1,000 Wellcome Shopping Voucher (Existing customers)

disclaimer_pl

terms_and_conditions

MoneyHero Exclusive Application Incentive

offers

HK$500 Apple Store Gift Card ; or
HK$500 Wellcome Shopping Voucher

disclaimer_pl

terms_and_conditions

InstaRedeem

Customers who successfully apply for a loan via the DBS website or the DBS Card+ Smartphone App between April 1, 2025, and June 30, 2025, and complete the loan drawdown within one calendar month from the application date can earn HK$300 InstaRedeem

offers

HK$300 Cash Reward

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terms_and_conditions

Welcome Offer

Customer successfully applied for the loan via DBS website or DBS Card+ Smart Phone App from 1 April 2025 till 30 June 2025 (Promotion Period), successfully applied for the loan within the promotion period; successfully drawdown the loan within one calendar month from the application date; Can earn up to HK$11,700 Supermarket Cash Coupon by fulfilling the above requirements

offers

HK$11,700 Supermarket Voucher ; or
HK$3,200 Supermarket Voucher ; or
HK$1,200 Supermarket Voucher ; or
HK$3,200 Supermarket Voucher ; or
HK$1,200 Supermarket Voucher ; or
HK$800 Supermarket Voucher

disclaimer_pl

terms_and_conditions

X Large Personal Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (11)

CreFIT ClearCard Credit

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

Debt Changer

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (23)

HSBC Personal Instalment Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (2)

Citi Tax Season Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (33)

⚡MoneyHero Double Exclusive Offer1️⃣Drawdown Offer

MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher

offers

HK$500 Apple Store Gift Card ; or
HK$500 Wellcome Shopping Voucher

disclaimer_pl

terms_and_conditions

⚡MoneyHero Double Exclusive Offer2️⃣ Application Incentive

MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher

offers

HK$800 Apple Store Gift Card ; or
HK$800 Wellcome Shopping Voucher

disclaimer_pl

terms_and_conditions

MoneyHero Exclusive Offer

[MoneyHero Exclusive Offer]

offers

SAMSUNG Galaxy Book5 360 NP750QHA-KA3HK (valued at HK$11,980) ; or
HK$10,000 Apple Store Gift Card ; or
HK$10,000 Wellcome Shopping Voucher ; or
Dyson Purifier Big+Quiet Formaldehyde BP04 (valued at: HK$8,180) ; or
HK$7,000 Apple Store Gift Card ; or
HK$7,000 Wellcome Shopping Voucher ; or
PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or
HK$6,000 Apple Store Gift Card ; or
HK$6,000 Wellcome Shopping Voucher ; or
SAMSUNG Galaxy Watch Ultra SM-L705FDAATGY (valued at HK$5,098) ; or
HK$4,000 Apple Store Gift Card ; or
HK$4,000 Wellcome Shopping Voucher ; or
SENNHEISER Momentum Sport headphone ; or
HK$1,500 Apple Store Gift Card ; or
HK$1,500 Wellcome Shopping Voucher

disclaimer_pl

terms_and_conditions

Citi Welcome Offer

[Citi Welcome Offer | Up to HK$8,000 Cash Coupon]

Clients who successfully apply for Citi Tax Season Loan, Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan from 1 January 2025 to 30 April 2025 and drawdown the loan on or before 14 May 2025 will be entitled to the following welcome offer

offers

HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$4,000 Cash Reward (Other customers) ; or
HK$5,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$3,000 Cash Reward (Other customers) ; or
HK$2,500 Cash Reward(Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$1,500 Cash Reward (Other customers) ; or
HK$600 Cash Reward ; or
HK$3,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$2,000 Cash Reward (Other customers) ; or
HK$2,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$1,500 Cash Reward (Other customers) ; or
HK$1,500 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$1,000 Cash Reward (Other customers) ; or
HK$600 Cash Reward

disclaimer_pl

terms_and_conditions

CCB (Asia) “Low Interest” Balance Transfer Program

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (15)

BOC Express Cash Instalment Loan Balance Transfer

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (12)

Rabbit Credit Student Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (4)

X Cash. AI Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (4)

HSBC Personal Instalment Loan Balance Consolidation

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (12)

PrimeCredit Balance Transfer

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (1)

PrimeCredit Property Owner Personal Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (1)

PrimeCredit Civil Servant & Professional Loan - MoneyHero App Exclusive

Total interest

n_a

APR

n_a

Total repayment

n_a

Citi Card Debt Consolidation Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (33)

⚡MoneyHero Double Exclusive Offer1️⃣Drawdown Offer

MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher

offers

HK$500 Apple Store Gift Card ; or
HK$500 Wellcome Shopping Voucher

disclaimer_pl

terms_and_conditions

⚡MoneyHero Double Exclusive Offer2️⃣ Application Incentive

MoneyHero Double Exclusive Offer: Drawdown offer + Application Incentive= Up to HK$1,300 Voucher

offers

HK$800 Apple Store Gift Card ; or
HK$800 Wellcome Shopping Voucher

disclaimer_pl

terms_and_conditions

MoneyHero Exclusive Offer

[MoneyHero Exclusive Offer]

offers

SAMSUNG Galaxy Book5 360 NP750QHA-KA3HK (valued at HK$11,980) ; or
HK$10,000 Apple Store Gift Card ; or
HK$10,000 Wellcome Shopping Voucher ; or
Dyson Purifier Big+Quiet Formaldehyde BP04 (valued at: HK$8,180) ; or
HK$7,000 Apple Store Gift Card ; or
HK$7,000 Wellcome Shopping Voucher ; or
PlayStation®5 Pro Game Console (valued at: HK$5,780) ; or
HK$6,000 Apple Store Gift Card ; or
HK$6,000 Wellcome Shopping Voucher ; or
SAMSUNG Galaxy Watch Ultra SM-L705FDAATGY (valued at HK$5,098) ; or
HK$4,000 Apple Store Gift Card ; or
HK$4,000 Wellcome Shopping Voucher ; or
SENNHEISER Momentum Sport headphone ; or
HK$1,500 Apple Store Gift Card ; or
HK$1,500 Wellcome Shopping Voucher

disclaimer_pl

terms_and_conditions

Citi Welcome Offer

[Citi Welcome Offer | Up to HK$8,000 Cash Coupon]

Clients who successfully apply for Citi Tax Season Loan, Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan from 1 January 2025 to 30 April 2025 and drawdown the loan on or before 14 May 2025 will be entitled to the following welcome offer

offers

HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$4,000 Cash Reward (Other customers) ; or
HK$5,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$3,000 Cash Reward (Other customers) ; or
HK$2,500 Cash Reward(Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$1,500 Cash Reward (Other customers) ; or
HK$600 Cash Reward ; or
HK$3,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$2,000 Cash Reward (Other customers) ; or
HK$2,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$1,500 Cash Reward (Other customers) ; or
HK$1,500 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders) ; or
HK$1,000 Cash Reward (Other customers) ; or
HK$600 Cash Reward

disclaimer_pl

terms_and_conditions

Dah Sing Credit Mastermind Instalment Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (9)

OCBC Bank Balance Transfer Personal Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (21)

MoneyHero Exclusive Offer

Successfully applied and drawdown for OCBC Debt Consolidation Personal Loan and Tax Loan on MoneyHero from 31 March 2025 6 p.m. to 30 April 2025 6 p.m. and enjoy up to HK$8,600 worth of rewards.

offers

iPhone 16 Pro (128GB, random colour) ; or
HK$8,600 Apple Store Gift Card ; or
HK$8,600 Wellcome Shopping Voucher ; or
HK$6,000 Apple Store Gift Card ; or
HK$6,000 Wellcome Shopping Voucher ; or
HK$3,000 Apple Store Gift Card ; or
HK$3,000 Wellcome Shopping Voucher

disclaimer_pl

terms_and_conditions

MoneyHero Exclusive Application Incentive

[MoneyHero Exclusive Offer- Application Incentive ] From 31 March 2025 6 p.m. till 30 April 2025 6 p.m., new customers who apply OCBC Personal Loan / Debt Consolidation Personal Loan & submission of documents to the bank on or before 30 April 2025 via MoneyHero can get HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown

offers

HK$800 Apple Store Gift Card ; or
HK$800 Wellcome Shopping Voucher

disclaimer_pl

terms_and_conditions

Welcome Offer

From 1 January 2025 to 30 April 2025, new customers who successfully applied and drawdown the loan via Online to enjoy up to HK$15,000 rewards

offers

HK$15,000 Cash Rebate ; or
HK$10,000 Cash Rebate ; or
HK$7,000 Cash Rebate ; or
HK$4,000 Cash Rebate ; or
HK$2,000 Cash Rebate ; or
HK$14,000 Cash Rebate ; or
HK$9,000 Cash Rebate ; or
HK$6,000 Cash Rebate ; or
HK$3,000 Cash Rebate ; or
HK$1,000 Cash Rebate

disclaimer_pl

terms_and_conditions

Apple Store Gift Card Offer

offers

HK$500 Apple Store Gift Card

disclaimer_pl

terms_and_conditions

Online Application Offer

offers

HK$50 Starbucks e-Gift Certificate

disclaimer_pl

terms_and_conditions

WeLend Car Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (8)

Fubon “EZ Cash” Personal Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (6)

X Debt Consolidation Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (11)

UA Civil Servants and Professionals Express Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (10)

UA Debts Consolidation Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (10)

UA i-Money Express Online Personal Loan for Property Owner

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (10)

WeLend Card Debt Consolidation Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (10)

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

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (11)

WeLab Bank Card Debt Consolidation Loan

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (24)

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

Apply Now

Total interest

n_a

APR

n_a

Total repayment

n_a

eligible_rewards (24)

Personal Installment Loans

loan_amount

HK$

tenure (12-84 month_long)

month_long

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	Good	3240 – 3416	10-15%
D	Fair	3214 – 3239	15-20%
E		3143 – 3213
F		3088 – 3142
G	Poor	2990 – 3087	20-25%
H	Poor	2868 – 2989	20-25%
I	Very Poor	1820 -2867	25%+ (Or rejection)
J	Very Poor	1000-1819	25%+ (Or rejection)

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.

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
Understand your creditworthiness as it influences the loan terms and interest rates you'll qualify for.
2. Assess Your Financial Needs
Clearly define why you need the loan and how much you require. This helps in choosing the right loan amount.
3. Understand the Costs
Be aware of any origination fees, interest rates, and other costs associated with the loan.
4. Evaluate Your Debt-to-Income Ratio
Ensure your monthly debt payments are manageable relative to your income. Lenders often consider this ratio when approving loans.
5. Research Lenders
Compare different lenders to find the best personal loan rates and terms that suit your financial situation.
6. Consider a co-applicant:
If your credit score is holding you back from better rates and higher limits, having a co-signer or co-borrower may improve your chances.
7. Prepare Documentation
Gather necessary documentation like proof of income, employment details, and identification (e.g. Hong Kong ID card or passport), as these will be required during the application process.
8. Plan for Repayment
Have a solid plan in place for how you will repay the loan, taking into account your monthly budget and any potential changes in your financial situation.

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
A personal instalment loan, also known as an unsecured loan, is a type of loan that allows you to borrow a specific amount of money and repay it through fixed instalments over a period of time. Unlike a secured loan that requires collateral like a house or car, a personal loan only requires a monthly payment that includes both the loan's principal and interest.

If you can pay off the loan principal and interest on time, you can use the money from your loan to finance your personal goals, such as renovating your home or planning your next dream vacation. Instead of paying off the loans in one lump sum, repaying them as instalments over 1 to 5 years could help ease your financial burden.
How can I find different personal loan offers in Hong Kong?
Personal loans can be applied in a majority of banks and lending companies here in Hong Kong. Popular lenders include the likes of Citibank, Hongkong and Shanghai Banking Corporation(HSBC), China Construction Bank, Standard Chartered Bank, Hang Seng Bank,vDBS Bank, WeLend, Promise, United Asia Finance, and many more. They provide loans at competitive rates and are often paired with equally tempting promotions and offers. You can also use MoneyHero's online comparison tool to easily find out the interest rates, loan amounts, total repayment values, and terms offered by various personal loan providers in Hong Kong, then instantly select the right personal instalment loan with the lowest monthly rates to suit your needs.
Should I choose the personal instalment loan with the lowest monthly interest rate?
While low monthly interest rates may seem appealing for a personal instalment loan, they may not always offer the best overall deal. Additional factors such as handling and administrative fees, should be taken into consideration, as they can significantly impact the total cost. To make an informed decision, you can compare the Annual Percentage Rates (APR) of different loans, as they provide a more accurate representation of the borrowing costs. Additionally, be sure to watch out for any hidden charges that could potentially increase your expenses.
How long does it take to get approved for a personal instalment loan?
While certain financial companies advertise "instant loan approval," this typically refers to passing the initial screening of your application. In reality, you may still need to wait for a period ranging from 10 to 60 minutes to receive the actual approval. Certain banks may take longer, with approval times ranging from 2 to 5 working days.
How do I calculate the monthly interest of my personal instalment loan?
You will repay the loan monthly with a fixed amount of principal and interest, and the interest for the loan amount will usually be calculated based on a flat monthly rate. If you know your total loan amount, monthly flat rate, and repayment period, you can calculate the monthly interest. You can consider using our free personal loan calculator to help.

Having trouble calculating the repayment amount? Hoping to learn more about loan formulas? We’ll handle the task of filtering precise loan offers tailored to your profile and needs. Our personal loan calculator makes it easy for you to compare different loan options and choose the one that works best for you. It only takes a few clicks to see a complete list of suitable loans that match your criteria.

Formula to calculate monthly loan payment:monthly payment = principal x (interest rate / 12)
What Are Loans?
Loans are financial products that offer a person or a business the necessary funds to fulfil their financial requirements or needs. Typically provided by financial institutions, loans come with specific repayment terms and conditions. Based on the terms that you agreed to, you will need to repay both the initial loan amount and the accumulated interest.
Types of Loan Products
There are various types of loan products available in Hong Kong. If you are looking to borrow money or take out a personal loan (also known as P loan) for a particular financial goal, you should try to learn and understand the differences between each loan product before deciding the one that is best for your needs:

Personal Instalment Loans

A personal instalment loan allows you to borrow a fixed amount of money and repay it over a set period of time with
interest, usually in equal monthly instalments. These loans can be used for a wide range of purposes. If you don't have a specific need for a loan, such as paying taxes, clearing credit card debts, buying a car, or requiring quick cash, you may choose personal instalment loans due to its greater flexibility in terms of loan amounts and repayment periods.

Personal Tax Loans

Banks and lending companies typically offer personal tax loans to help individuals pay their taxes, particularly during tax season. These loans allow you to borrow a fixed amount and repay it in manageable instalments, easing the financial burden for those with higher income.

Debt Consolidation Plan

This type of unsecured personal loan helps you simplify and manage your debts. It allows you to combine multiple debts into a single loan with a lower interest rate and a fixed repayment plan. This way, you can reduce the overall amount of interest you pay and manage your debts more effectively. This type of loan is usually intended for consolidating existing debts.

Car Loans

A car loan is a type of personal loan provided by a bank to finance a car purchase. You can use the car loan to purchase a vehicle without needing to provide the car as collateral. Car loans have no restrictions on the age and model of the car, allowing you the freedom to choose any vehicle type, regardless of whether it is a new or used car. You are required to repay the initial loan amount and interest in fixed monthly instalments within the repayment period.

Refinance Loans

Revolving loans, also known as revolving credit or credit line, offer you a flexible pool of funds that you can withdraw within an approved limit. You can borrow and repay it whenever you want, and the credit becomes available again for future use. This helps you manage your cash flow effectively. Interest is only charged on the outstanding balance on a daily basis. A monthly handling fee may apply based on the lender's policy.

SME / Business Loans

Tailored for small and medium-sized enterprises (SMEs) and businesses, these loans are generally used to provide the necessary financial support for businesses for their operations, expansion, or investment. For example, the loans can help them purchase equipment, expand factories, or supplement working capital.

Student Loans

Geared towards assisting students in paying for their education, these unsecured loans enable students to borrow a fixed amount and repay it over a specific period of time with interest. The most common student loan available in Hong Kong is the Grant and Loan Scheme provided by the Student Finance Office. While a “Grant” is a subsidy for tuition fees, a “Loan” provides loans with low interest for university students.
What is the repayment period for personal loan applications?
The shortest repayment period for personal loan applications can be 60 days, while some lenders offer a flexible repayment period of up to 84 months.
What is the maximum loan amount you can apply for personal loans?
The maximum loan amount you can borrow is typically 6 to 18 times your monthly income, with a limit of HK$4 million. The actual amount you qualify for depends on factors like your credit score and income status, regardless of the lender's maximum offering. Banks and financial institutions may also consider your Debt Servicing Ratio (DSR) to determine the loan amount. In general, maintaining your DSR below 40% increases your chance of receiving a favourable loan offer. We advise you to maintain your DSR within this percentage.

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

Bank loans and loans from lending companies are different in terms of interest rates, loan amounts, eligibility criteria, repayment terms, and the application process:

	Bank Loans	Lending Company Loans
Interest Rates	Generally lower	Generally higher
Loan Approval Process	More strict	More lenient
Requirements	More strict	More flexible
Collateral	Required for some loans	Often unsecured
Repayment Terms	Less flexible	More flexible
Customer Service	Personalized	Less personalized
Loan Amount	Higher depending on collateral	Lower
Loan Purpose	More strict	More flexible

What is the procedure for loan application?
The process for a loan application largely depends on the lender and the type of loan you are applying for. Some common steps include comparing loan options, checking the eligibility criteria and required documents for the chosen loan, submitting the loan application form and required documents, and waiting for approval. Both traditional banks and virtual banks offer online loan applications that can be completed through a quick and easy process on their mobile banking apps.

However, not all of them will approve applications solely through the app or online channels. In certain cases, they may require additional steps or direct communication with you to proceed with the application. The approval process may involve connecting with you through phone calls to finalise the application.
What are the required supporting documents for loan applications?
The supporting documents needed vary depending on the lender and the type of loan you are applying for. In general, the documents listed below are typically required when applying for a loan:

1. Identity Proof: This could be in the form of a Hong Kong ID card or a passport.

2. Proof of Income: This may include a salary statement, bank statement, or tax returns.

3. Proof of Address: This might involve providing an utility bill or a bank statement.

4. Proof of Employment: This could entail an employment contract or a letter from your employer.

5. Collateral Documents: If the loan requires collateral, you will need to provide documents related to the collateral, such as a property deed or a vehicle registration.

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?

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