Find The Best Tax Loan In Hong Kong
Tax loans offer immediate financial assistance and help manage cash flow for someone facing tax obligations. They can be used to consolidate debts, seize investment opportunities or bridge the waiting period for tax refunds. Seek guidance from MoneyHero to find the best offers on tax loans .
Tax loans typically appear primarily during the tax season in Hong Kong (between October to April) due to the specific nature of their purpose. During this time, you are required to file your tax and settle your tax obligations with the Inland Revenue Department. As a result, there is a spike in demand for financial assistance to cover tax liabilities.
Tax Loans Products
CNCBI $mart Plus Personal Installment Loan
+ 2 other gift options
Valid until
30 April 2024
+ 8 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
- APR as low as 1.90%
- Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
- Flexible repayment period of 6 to 60 months
- Same day disbursement to your CNCBI account
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
[MoneyHero Exclusive Offer]
- Eligibility:
- successfully apply for CNCBI $mart Plus Personal Installment Loan or CNCBI $mart Plus Personal Installment Loan – Debt Consolidation on MoneyHero from 2 April 2024 6 p.m. till 30 April 2024 6 p.m., and
- choose a repayment period of 12 months or above, and drawdown the loan within 1 month
Gift Options
Loan amount HK$1,500,000 or above + repayment period at least 12 months or above
Loan amount from HK$800,000 to HK$1,499,999 + repayment period at least 12 months or above
Repayment period at least 12 months or above + repayment period from HK$300,000 to HK$799,999
Repayment period at least 12 months or above + loan amount from HK$100,000 to HK$299,999
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Time-limited Offer: From 2 April 2024 6 p.m. to 30 April 2024 6 p.m., you can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2024, regardless of loan approval and drawdown
Gift Options
- The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate. The respective APRs are rounded to the nearest two decimal places.
- The APR 1.90% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.001%, including a Handling Fee of 1% per annum. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the CNCBI reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
- Handling Fee is charged 1% per annum based on loan amount and shall be deducted upon loan drawdown.
- Same-day fund disbursement service is applicable to customers who use CNCBI bank account for fund disbursement, and it only applies to our Bank’s service hours (Monday to Friday from 9:00 am to 8:00 pm and except Saturday, Sunday and public holidays). The processing time starts when the approved loan is confirmed with the Bank.
- Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!
1. HKID card / passport / other identification document
2. Bank statement or passbook showing your latest 1-month income proof (including the copy of front cover page
of your passbook which shows your name and account number) or any type of income proof. Please provide
the latest 2-month income proof if you are commission based income earner
3. If you are self-employed, please provide Business registration certificate and the latest profits tax demand note, and
the latest 3-month company account statements
4. Residential address proof showing your name issued within the latest 3 months (e.g. electricity bills or bank statements)
5. Proof of professional qualification (For professionals only)
6. Office address proof if office address is selected as correspondence address
7. If you are not holder of Hong Kong permanent identity card, please submit passport/ Exit/ Entry Permit for Travelling to and from Hong Kong and Macau/ identity card of place of origin and working visa issued by the Hong Kong SAR Government
8. Full copy of the front cover page of passbook / bank statement of the loan disbursement account
9. Autopay authorization form
10. Loan confirmation letter(s) or latest 1-month statement(s) (showing your name and account number) of credit card(s) and loan(s) that you wish to transfer to CNCBI $mart Plus Personal Installment Loan
Standard Chartered Personal Instalment Loan
+ 2 other gift options
Valid until
30 April 2024
+ 8 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 7 other gift options
Valid until
31 May 2024
Valid until
31 May 2024
Valid until
31 May 2024
- Maximum loan amount of up to 18X monthly salary or HK$4,000,000 (whichever is lower)
- Max Loan Repayment Tenure: 60 months; 0% handling fee
- 7-Day Cooling-off Period - Early redemption fees and changes waiver with waiver on early redemption fee and charges
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
From 16 April 2024 6 p.m. to 30 April 2024 6 p.m. customers who have successfully applied for and approved a loan of HK$200,000 or above and draw down the loan within 3 months can enjoy the following exclusive offers
Gift Options
Loan amount HK$800,000 and above
Loan amount from HK$300,000 to HK$799,999
Loan amount from HK$200,000 to HK$299,999
Remember to prepare your mobile phone and Hong Kong ID card before applying! The application process will require you to enter a mobile phone verification code. To successfully apply through MoneyHero and receive exclusive rewards, you must successfully complete this step! After completing the application, remember to copy down the application reference number so that you can check the application progress at any time and receive exclusive MoneyHero offers.
- Note down your application reference number shown on the application completion page ("Thank you" Page) for reference (e.g. HKxxxxxxxxxxxxxx)
- Within 7 days of loan approval date, please send (1) the name of the applied product, (2) application date and (3) screenshot of Loan withdrawal confirmation SMS, E-mail to support@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.
- Detailed steps: How to redeem exclusive rewards from MoneyHero?
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
- For more details about the promotion, please see Terms and Conditions
From 2 April 2024 12 noon to 30 April 2024 6 p.m., you can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) OR HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2024, regardless of loan amount, approval or drawdown
Gift Options
- For more details about the promotion, please see Terms and Conditions
Up to HK$7,000 Cash Rebate
Gift Options
Loam Amount HK$1,500,000 and above + repayment period at least 12 months
Loam Amount from HK$600,000 to HK$1,499,999 + repayment period at least 12 months
Loam Amount from HK$200,000 to HK$599,999 + repayment period at least 12 months
Loam Amount from HK$50,000 to HK$199,999 + repayment period at least 12 months
Loam Amount HK$1,500,000 and above + repayment period at least 24 months or above
Loam Amount from HK$600,000 to HK$1,499,999 + repayment period at least 24 months or above
Loam Amount from HK$200,000 to HK$599,999 + repayment period at least 24 months or above
Loam Amount from HK$50,000 to HK$199,999 + repayment period at least 24 months or above
- From 1 March 2024 to 31 May 2024, a client who successfully applied and drawdown the loan online is entitled to enjoy up to HK$7,000 Cash Rebate, an extra HK$1,000 cash rebate will be eligible for a New client whose loan tenor is 36 months or above.
A new client refers to a person who does not currently hold any Standard Chartered Credit Card and/or any loans.
- Terms and Conditions apply.
Gift Options
【Standard Chartered Lucky Draw】
- From 1 March 2024 to 31 May 2024, clients who have
- successfully applied for a Personal Instalment Loan or Debt Consolidation Program online with Standard Chartered Bank (Hong Kong) Limited during the Promotion Period and
- drawn down within three months will be enrolled in the Lucky Draw automatically without further registration in accordance with these terms and conditions.
Number of Winners | Prize |
Total 6 winners (one round for each month & 2 winners per round) | 336,000 Asia Miles (Redemption Reference: Two Set of Europe Business Round Trip Ticket) |
- For more informations see Terms and Conditions
Extra HK$1,000 Cash Rebate (for new client and SCB auto payroll customer)
Gift Options
Loan amount HK$50,000 and above + repayment period at least 36 months
- From 1 March 2024 to 31 May 2024, an extra HK$1,000 cash rebate for a New client who successfully applied and drawdown the loan online and SCB auto payroll customer whose loan tenor is 36 months or above.
A new client refers to a person who does not currently hold any Standard Chartered Credit Card and/or any loans.
- The Annualised Percentage Rate is 1.85% (for clients with loan amount of HK$1,500,000 or above and tenor of 12 months). APRs are reference rates which include the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The preferential interest rates are only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application, or clients who use the Bank’s auto-payroll services or SCB Priority Private / Priority Banking Customers. The Bank reserves the right to determine the applicable interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions
- The Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
- Standard Chartered Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.
- Eligibility: With fixed annual income of HK$96,000 or above; and Hong Kong permanent residents aged 20 or above
- The monthly flat rate shown above was rounded to 2 decimal places and for reference only.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
1. Hong Kong Permanent Identity Card
2. Latest residential address proof showing your name
3. For regular income earners, please enclose latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing name, account number and salary entries;
For irregular income earners, please enclose latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing name, account number and salary entries;
For self-employed applicants, please enclose a Business Registration Certificate AND latest Profits Tax Demand Note
PrimeCredit Fixed Loan
+ 2 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
Valid until
30 April 2024
- Online instant approval and 24 x 7 loan disbursement
- No income proof is required
- Repayment terms up to 72 months
- No handling fee, no early settlement fee
- Only applicable to eligible customers. For more loan and offer details, please visit PrimeCredit's website
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Remember to click here to fill out the reward form within 7 days after application
Gift Options
[MoneyHero Exclusive Offer] - Time-limited Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 1 April 2024 to 30 April 2024, you can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to PrimeCredit on or before 30 April 2024, regardless of loan approval and drawdown (if the application' final status is canceled, the customer would not be eligible to any rewards of this promotion)
- For more details about the promotion, please see Terms and Conditions
[PrimeCredit Welcome Offer] Up to HK$12,000 Cash Bonus
- From 1 March 2024 to 30 April 2024, up to HK$12,000 cash bonus upon application and drawdown of the designated personal loan.
Gift Options
- During the promotion period, customers who successfully apply for and drawdown designated personal loans with minimum 12 instalments through this webpage can enjoy Cash Bonus calculated based on 1% of the net loan amount. The maximum amount that a property owner who applies for a designated personal loan can enjoy is $12,000; while the maximum amount that a non-property owner can enjoy is $8,000. Each customer can enjoy the offer once during the promotion period.
- The promotion period is from 1 March 2024 to 30 April 2024 (both days inclusive). Terms and conditions apply. The offers cannot be used in conjunction with other promotions. PrimeCredit reserves the right to terminate the offers or amend the details and terms & conditions without prior notice. For details of the loan and promotion, please contact PrimeCredit. PrimeCredit reserves its absolute rights on the final loan decision and any disputes.
- Warning: You have to repay your loans. Don't pay any intermediaries
- Enquiry and Complaint Hotline: 2111 2999
- Money Lender's Licence No.: 759/2023
Citi Tax Season Loan
+ 2 other gift options
Valid until
30 April 2024
+ 12 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 15 other gift options
Valid until
30 April 2024
- Same-day approval and same-day loan disbursement
- The loan amount is up to 12 times of the monthly salary or HK$3,500,000, whichever is lower
- Repayment term up to 60 months, HK$0 handling fee
- No hidden terms and conditions
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
[MoneyHero Exclusive Offer]
From 8 April 2024 12 noon to 30 April 2024 6 p.m., successfully apply for Citi Tax Season 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 MoneyHeron exclusive offer
Gift Options
Loan amount HK$2,000,000 or above + repayment period at least 12 months
Loan amount from HK$800,000 to HK$1,999,999 + repayment period at least 12 months
Loan amount from HK$300,000 to HK$799,999 + repayment period at least 12 months
Loan amount from HK$200,000 to HK$299,999 + repayment period at least 12 months
Loan amount from HK$100,000 to HK$199,999 + repayment period at least 12 months
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Gift Options
[MoneyHero Exclusive Offer] Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR $1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 2 April 2024 12 noon to 30 April 2024 6 p.m., apply for the Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero as a new customer
- For more details about the promotion, please see Terms and Conditions
- Clients who successfully apply for Citi Tax Season Loan or Citi Speedy Cash Loan or Citi Card Debt Consolidation Loan from 1 January 2024 to 30 April 2024 and drawdown the loan on or before 14 May 2024 will be entitled to the following welcome offer
Gift Options
Repayment period at least 25 months + loan amount HK$1,500,000 or above
Repayment period at least 25 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period at least 25 months + loan amount from HK$400,000 to HK$799,999
Repayment period at least 25 months + loan amount from HK$100,000 to HK$399,999
Repayment period from 12 months to 24 months + loan amount HK$1,500,000 or above
Repayment period from 12 months to 24 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period from 12 months to 24 months + loan amount from HK$400,000 to HK$799,999
Repayment period from 12 months to 24 months + loan amount from HK$100,000 to HK$399,999
- The application of Citi Tax Season Loan or Citi Debt Consolidation Loan must be successfully applied on or before 30 April 2024.
The application date is subject to Citibank’s system records
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
For more details about the promotion, please see Terms and Conditions
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
- Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
- Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
- A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
- Each eligible customer can enjoy the Reward once during the promotion period
- "Same day approval and same day loan disbursement" is only applicable to selected customers who successfully submit the required documents together with a filled in application form before 10am of that working day (Monday to Friday). Actual approval and loan disbursement time may differ based on the information provided
- The Annualised Percentage Rate ("APR") of 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$3,500,000 and repayment tenor of 12 months. The actual APR applicable may differ. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
- To borrow or not to borrow? Borrow only if you can repay!
WeLend Personal Loan (Available for tax season)
+ 2 other gift options
Valid until
30 April 2024
+ 6 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
- Enjoy Cash Reward up to HK$19,000 upon successfully draw down
- Civil servants / professionals can enjoy interest rates as low as 1.88% APR.
- Loan amount of HK$500,000 or above can enjoy low interest rate as tax loans.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
From 4 October 2023 to 30 April 2024 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$19,000 cash reward.
Gift Options
Repayment period at least 24 months + loan amount from HK$800,001 or above
Repayment period at least 24 months + loan amount from HK$600,001 to HK$800,000
Repayment period at least 24 months + loan amount from HK$500,001 to HK$600,000
Repayment period at least 24 months + loan amount from HK$400,001 to HK$500,000
Repayment period at least 24 months + loan amount from HK$300,001 to HK$400,000
Repayment period at least 24 months + loan amount from HK$200,001 to HK$300,000
Repayment period at least 24 months + loan amount from HK$100,001 to HK$200,000
- For more details about the promotion, please see Terms and Conditions
- The Cash Rebate amount will be credited by WeLend to eligible customers’ loan account directly on or before the fourth instalment due date for repayment.
Gift Options
[MoneyHero Exclusive Offer] HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 7 March 2024 6 p.m. to 30 April 2024, new customers who apply WeLend Personal Loan via MoneyHero can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result.
- For more details about the promotion, please see Terms and Conditions
- A.I. chatbot provides immediate solutions 24/7.
- The loan will be transferred via Faster Payment System (FPS) after the loan is approved and the loan agreement is signed. Actual transfer time is subject to each individual bank's transfer service hours.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0958/2023
【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan
+ 2 other gift options
Valid until
30 April 2024
+ 6 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
- Enjoy Cash Reward up to HK$19,000 upon successfully draw down
- Civil servants / professionals can enjoy interest rates as low as 1.88% APR.
- Loan amount of HK$500,000 or above can enjoy low interest rate as tax loans.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
From 4 October 2023 to 30 April 2024 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$19,000 cash reward.
Gift Options
Repayment period at least 24 months + loan amount from HK$800,001 or above
Repayment period at least 24 months + loan amount from HK$600,001 to HK$800,000
Repayment period at least 24 months + loan amount from HK$500,001 to HK$600,000
Repayment period at least 24 months + loan amount from HK$400,001 to HK$500,000
Repayment period at least 24 months + loan amount from HK$300,001 to HK$400,000
Repayment period at least 24 months + loan amount from HK$200,001 to HK$300,000
Repayment period at least 24 months + loan amount from HK$100,001 to HK$200,000
- For more details about the promotion, please see Terms and Conditions
- The Cash Rebate amount will be credited by WeLend to eligible customers’ loan account directly on or before the fourth instalment due date for repayment.
Gift Options
[MoneyHero Exclusive Offer] HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 7 March 2024 6 p.m. to 30 April 2024, new customers who apply WeLend Personal Loan via MoneyHero can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result.
- For more details about the promotion, please see Terms and Conditions
- A.I. chatbot provides immediate solutions 24/7.
- The loan will be transferred via Faster Payment System (FPS) after the loan is approved and the loan agreement is signed. Actual transfer time is subject to each individual bank's transfer service hours.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0958/2023
Citi Card Debt Consolidation Loan
+ 2 other gift options
Valid until
30 April 2024
+ 12 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 15 other gift options
Valid until
30 April 2024
- Same-day approval and same-day loan disbursement
- Repayment term up to 72 months, HK$0 handling fee
- Loan amount of Citi Card Debt Consolidation Loans is up to 21 times of your monthly salary or HK$1,200,000, whichever is lower
- No hidden terms and conditions
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
[MoneyHero Exclusive Offer]
From 8 April 2024 12 noon to 30 April 2024 6 p.m., successfully apply for Citi Tax Season 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 MoneyHeron exclusive offer
Gift Options
Loan amount HK$2,000,000 or above + repayment period at least 12 months
Loan amount from HK$800,000 to HK$1,999,999 + repayment period at least 12 months
Loan amount from HK$300,000 to HK$799,999 + repayment period at least 12 months
Loan amount from HK$200,000 to HK$299,999 + repayment period at least 12 months
Loan amount from HK$100,000 to HK$199,999 + repayment period at least 12 months
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Gift Options
[MoneyHero Exclusive Offer] Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR $1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 2 April 2024 12 noon to 30 April 2024 6 p.m., apply for the Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero as a new customer
- For more details about the promotion, please see Terms and Conditions
- Clients who successfully apply for Citi Tax Season Loan or Citi Speedy Cash Loan or Citi Card Debt Consolidation Loan from 1 January 2024 to 30 April 2024 and drawdown the loan on or before 14 May 2024 will be entitled to the following welcome offer
Gift Options
Repayment period at least 25 months + loan amount HK$1,500,000 or above
Repayment period at least 25 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period at least 25 months + loan amount from HK$400,000 to HK$799,999
Repayment period at least 25 months + loan amount from HK$100,000 to HK$399,999
Repayment period from 12 months to 24 months + loan amount HK$1,500,000 or above
Repayment period from 12 months to 24 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period from 12 months to 24 months + loan amount from HK$400,000 to HK$799,999
Repayment period from 12 months to 24 months + loan amount from HK$100,000 to HK$399,999
- The application of Citi Tax Season Loan or Citi Debt Consolidation Loan must be successfully applied on or before 30 April 2024.
The application date is subject to Citibank’s system records
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
For more details about the promotion, please see Terms and Conditions
- Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
- Each eligible customer can enjoy the Reward once during the promotion period
- The annualized percentage rate (“APR”) ranges from 8.64% to 35.78%, with repayment period of 6 to 72 months.
- The Annualized Percentage Rate ("APR") of as low as 8.64% is calculated based on the monthly flat rate 0.38% with loan amount of HK$1,200,000 and repayment tenor of 12 months.
The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HK$200,000 with 12 months repayment period, the monthly flat rate is 0.38% (APR 8.64%), and the total loan repayment amount is HK$1,254,720 (including full handling fee waiver). The above example is for reference only.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HK$200,000 with 12 months repayment period, the monthly flat rate is 0.38% (APR 8.64%), and the total loan repayment amount is HK$1,254,720 (including full handling fee waiver). The above example is for reference only.
- To borrow or not to borrow? Borrow only if you can repay!
1. Fill in the application form and submit it together with the required documents.
2. Wait for the loan approval result
3. Disburse the loan
1. Hong Kong Permanent Resident Identity Card
2. Income proof,
e.g. latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number)
3. Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
4. Latest residential address proof (e.g. electricity bill or bank statement)
5. Any other documents or certificates deemed appropriate.
UA Seasonal Tax Loan
+ 2 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
- APR as low as 1.38%
- Loan amount up to 300% of tax payable for flexible cash out during the tax season
- Repayment period up to 36 months
- Simple application with HKID Card & Tax Demand Note only
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 7 days
Gift Options
- From 27 March 2024 6 p.m. to 30 April 2024, you can get extra Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2024, regardless of loan approval and drawdown
- Please refer to the Terms and Conditions for details
- United Asia Finance Limited reserves the right to make final decision on loan approval
- Warning: You have to repay your loans. Don't pay any intermediaries.
Enquiry and Complaint Hotline: 2681 8888
Money Lender’s Licence No.: 0931/2023
DBS Personal Instalment Loan
+ 2 other gift options
Valid until
30 April 2024
+ 19 other gift options
Valid until
31 May 2024
+ 5 other gift options
Valid until
30 April 2024
Valid until
30 April 2024
- Annualised Percentage Rate as low as 2.20%; APR includes the handling fee 2%
- Handling fee refers to the loan setup fee. The Loan Set Up Fee is 2% of the loan amount. The Loan Set Up Fee shall be calculated by reference to the principal amount of the loan at the rate specified by the Bank from time to time and shall be deducted from the loan principal amount upon drawdown of the loan and is non-refundable.
- Loan amount up to HK$2,000,000 or 20x monthly salary (whichever is lower), flexible repayment period of up to 60 months
- No income proof is required
- Anytime to redraw your repaid principal
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
The customer is entitled to reward an up to HK$10,800 exclusive supermarket coupon or Apple Gift Card upon the following requirements are satisfied
Gift Options
HK$1,500,000 and above
From HK$1,000,000 to HK$1,499,999
From HK$500,000 to HK$999,999
From HK$300,000 to HK$499,999
From HK$100,000 to HK$299,999
- Successfully apply for the Loan via MoneyHero;
- From 1 April 2024 to 31 May 2024: successfully apply for the Loan;
- On or before 21 June 2024: draw down the approved Loan;
- Terms and Conditions apply
Gift Options
From 42 months To 60 months + eligible loan range HK$1,000,000 above
From 42 months To 60 months + eligible loan range from HK$500,000 To HK$999,999
From 42 months To 60 months + eligible loan range from HK$300,000 To HK$499,999
From 12 months To 36 months + eligible loan range HK$1,000,000 above
From 12 months To 36 months + eligible loan range from HK$300,000 To HK$999,999
From 12 months To 60 months + eligible loan range from HK$100,000 To HK$299,999
- Successfully applied for the loan via DBS website or DBS Card+ Smart Phone App
- From 1 April 2024 till 30 April 2024 (Promotion Period), successfully applied for the loan within the promotion period;
- Successfully drawdown the loan on or before 22 May 2024;
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
- The Extra Award will be awarded to the eligible customers via the red “InstaRedeem” button of DBS Card+ upon eligible customers spend with the Applicable Credit Card (as defined in Clause 10a) issued by the Bank during 1 September 2024 to 28 February 2025 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+. Customers can use the Extra Award received to set off the amount payable for that transaction via the “InstaRedeem” function of DBS Card+.
- To receive the Extra Award, customers must:
hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Private Label Cards and Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 31 July 2024. For customer who holds more than one valid principal credit card issued by the Bank on 31 July 2024, his/her Applicable Credit Card is by default based on the following priority:
Earn HK$300 "InstaRedeem" by fulfilling the following requirements:
Gift Options
From 12 months To 60 months + eligible loan range HK$100,000 above
- Successfully applied for the loan via DBS website or DBS Card+ Smart Phone App;
- From 1 April 2024 till 30 April 2024 (Promotion Period), successfully applied for the loan within the promotion period;
- Successfully drawdown the loan on or before 22 May 2024;
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
- The Extra Award will be awarded to the eligible customers via the red “InstaRedeem” button of DBS Card+ upon eligible customers spend with the Applicable Credit Card (as defined in Clause 10a) issued by the Bank during 1 September 2024 to 28 February 2025 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+. Customers can use the Extra Award received to set off the amount payable for that transaction via the “InstaRedeem” function of DBS Card+.
- To receive the Extra Award, customers must:
hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Private Label Cards and Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 31 July 2024. For customer who holds more than one valid principal credit card issued by the Bank on 31 July 2024, his/her Applicable Credit Card is by default based on the following priority:
- Minimum salary requirement: fixed annual income of HK$80,000 or above
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
- The Extra Award will be awarded to the eligible customers via the red “InstaRedeem” button of DBS Card+ upon eligible customers spend with the Applicable Credit Card (as defined in Clause 10a) issued by the Bank during 1 September 2024 to 28 February 2025 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+. Customers can use the Extra Award received to set off the amount payable for that transaction via the “InstaRedeem” function of DBS Card+.
- To receive the Extra Award, customers must:
hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Private Label Cards and Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 31 July 2024. For customer who holds more than one valid principal credit card issued by the Bank on 31 July 2024, his/her Applicable Credit Card is by default based on the following priority: - The Reward is only applicable to eligible customer whose loan account is in good standing and not in default (as determined by DBS at its sole discretion)
- Existing customers refer to the customer who has any principal credit cards (including co-branded cards) and/or personal loan products with DBS Bank on the date of application
- APR as low as 2.20%: The APR of 2.20% is calculated based on the loan amount of HK$2,000,000, a monthly flat rate of 0.01%, and instalment period of 24 months, including a Loan Set Up Fee of 2%.
- Rewards are subject to Terms and Conditions, please refer to DBS website for details
- The Annualized Percentage Rate (“APR”) is calculated in accordance with the guideline issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable
- The monthly flat rate here is for reference only. The interest rate applicable to a customer is subject to his/her financial condition and is solely determined by DBS. Terms and conditions apply. For details, please visit DBS website
- Relevant fee applies if a customer early pays off the Loan. For details, please refer to the Personal Instalment Loan Terms and Conditions.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply online or by phone
2. Verify your personal details and declare your financial liabilities
3. Credit check
4. Select a loan plan
5. Select disbursement details
6. Disburse the loan
1. HKID card
2. Latest 3 months’ income proof
3. Address proof (issue date within 6 months)
4. Practicing certificate issued by relevant association, if you are a professional (e.g. medical doctor, accountant, lawyer or engineer)
5. Banking statement / passbook showing your name and account number
CCB (Asia) Personal Instalment Loan
+ 1 other gift options
Valid until
25 April 2024
+ 1 other gift options
Valid until
25 April 2024
+ 4 other gift options
Valid until
25 April 2024
+ 1 other gift options
Valid until
25 April 2024
- Monthly flat rate as low as 0.083%, APR as low as 1.85%
- Income proof and address proof waiver for applying loan amount up to HK$100,000
- Handling fee wavier
- Loan amount up to HK$3,000,000 or 12 times of monthly salary (whichever is lower)
From 20 November 2023 6 p.m. to 25 April 2024 (both dates inclusive), a customer is entitled to HK$3,000 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application of the designated personal loan
Gift Options
- For details, please see Terms and Conditions.
From 20 November 2023 6 p.m. to 25 April 2024, you can get extra HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 25 April 2024, regardless of loan approval and drawdown
Gift Options
- For more details, please see the Terms and Conditions
Limited Offer - Enjoy up to HK$8,000 Cash Rebate for successful application
- From 27 March 2024 to 25 April 2024, enjoy up to HK$8,000 cash rebate for success Personal Instalment Loan application with required documents, details as below:
Gift Options
only 24 months + from HK$100,001 to HK$399,999
only 24 months + from HK$400,000 to HK$3,000,000
at least 36 month(s) + from HK$100,001 to HK$299,999
at least 36 months + from HK$400,000 to HK$2,999,999
at least 36 months + HK$3,000,000
- Promotion period: From 27 March 2024 to 25 April 2024
- Successfully apply for the CCB (Asia) Personal Instalment Loan and submit all the required documents
Gift Options
Limited Offer
- From 27 March 2024 till 25 April 2024, customers who successfully applied for CCB (Asia) Personal Instalment Loan or CCB (Asia) “Low Interest” Balance Transfer Program and submitted all of the related documents via the CCB (Asia)
Mobile App are entitled to an additional HK$1,500 Cash Rebate; customers can also enjoy HK$500 Cash Rebate if apply via online.
- The Annualized Percentage Rate (“APR”) 1.85% is calculated based on 12 months repayment period and loan amount of HK$3,000,000 with monthly flat rate of 0.083%
- The APR is calculated according to the standard of Hong Kong Association of Banks and rounded to two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate. Interest is charged daily and calculated on the basis of 365 days per year
- For Personal Installment Loan amount of HK$100,000 with 12 months repayment period, the monthly flat rate is 0.27% (APR 6.11%), and the total loan repayment amount is HK$103,248 (handling fee is waived). The above example is for reference only. The loan application and terms of the loan are subject to the Bank's approval. The actual APR may vary for individual customer and the final interest rate will be subject to credit condition of the customer
- The above interest rate offer is applicable to the good credit rating customers, China Construction Bank (Asia) Corporation Limited will counter offer another interest rate offer to the fair credit rating customers upon loan approval. Please contact the staff for details. China Construction Bank (Asia) Corporation Limited reserves the right of final decision on the interest rate and approval result
- To borrow or not to borrow? Borrow only if you can repay!
Mox Instant Loan
+ 5 other gift options
Valid until
30 April 2024
+ 3 other gift options
Valid until
30 April 2024
- For Instant Loan of HK$100,000 into 60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 6.93% and interest is calculated on the basis of a 365-day year
- You can apply for a higher credit limit by simply uploading documents in Mox app
- Apply in just a few clicks, and the cash will go straight to your Mox Account instantly after approval
- You can know the monthly payment, APR, and total payment in Mox app by choosing Instant Loan amount and repayment periods.
- Instant Loan is available at the touch of a button in your Mox app, so you can apply anytime you need, 24/7.
- No additional documents are required
- HK$0 handling fee
- Instant Loan:Enjoy a flexible repayment period between 3 - 60 months
- Pay taxes using "Split Purchase"
- You can split a single or multiple eligible Mox Credit transaction of HK$400 or above
- Applicable for an eligible Mox Credit statement balance of HK$2,000 or above (Split your statement balance once it’s released, anytime until 3 days before the payment due date for that statement)
- Flexible repayment period between 3-60 months
- Earn unlimited CashBack on your spending with Mox Credit
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 14 days
Gift Options
MoneyHero Limited-Time Exclusive Offer
- Open a Mox Account successfully with the invitation code "MHMOX1200" and successfully apply for Mox Credit via MoneyHero, you can enjoy Delsey ECLIPSE SE 31" Expandable Front Opening Suitcase(Valued at HK$4280; random colour) / Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) / BRUNO BOE065-PPK Multi Grill Pot (HK$1,098; random color) / HK$1,000 Apple Gift Card OR Trip.com Gift Card
- From 22 April 2024 6 p.m. to 30 April 2024 6 p.m.: New Mox customers who successfully apply for Mox Credit via MoneyHero
- Within 14 days of after receiving the successful application email from Mox when your Mox Credit approved: Submit the reward redemption form sent via email previously
- On or before 31 May 2024: The Mox account and Mox Credit must be approved by Mox, subject to the Bank’s system records
- Tips:
- Please submit the reward redemption form sent via email previously within 14 days of after receiving the successful application email.
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Remember to have your cell phone and Hong Kong Identity Card ready before applying! It is recommended to submit all the required documents in one go to speed up the approval process.. After successfully submitting the application and opening the Mox account as well as Mox Credit, you will receive an email notice with application reference number (7-digits) in 14 working days. Please be reminded to enter the Invitation Code to get the application reference number, if you don't receive the email, please check your spam folder.
- MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Mox has no relation with its redemption, usage and dispute.
- Terms and Conditions Apply.
Tax loan offer: Enjoy up to HK$8,888 Cash Reward
From 21 March 2024 until 30 April 2024, you can enjoy up to HK$8,888 Cash Reward when you successfully apply for our designed Instant Loan below:
Gift Options
From 49 months or above + from HK$750,000 or above
From 36 months to 48 months + from HK$750,000 or above
From 49 months or above + from HK$250,000 to HK$749,999
From 36 months to 48 months + from HK$250,000 to HK$749,999
- Cash rewards will be credited to your Mox Account on or before 30 June 2024.
- Instant Loan Cash Reward Promotion Terms and Conditions apply
- * You need to have a Mox Credit account. Your maximum loan amount depends on your available credit limit.
- For an Instant Loan on a Mox Credit transaction of HK$750,000 spilt into 49 monthly instalments, the annualised Percentage Rate (APR) is as low as 1.98% (which this includes the cash reward of HK$8,888 which will be credited to your Mox Account on or before 30 June 2024), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 2.57%. The APR is calculated using methods specified in relevant guidelines as set out in the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR for an Instant Loan is subject to Mox’s final decision on a case-by-case basis and the Mox Credit account status at the time Mox receives the Instant Loan application.
- The maximum amount of an Instant Loan depends on the status of your Mox Credit. For example, your maximum Instant Loan amount will vary depending on factors such as your available credit limit for Mox Credit (Mox will always leave you a buffer of HK$3,000 on your Mox Credit “available to spend”, after deducting the total repayment of your Instant Loan from your credit limit for Mox Credit to allow you to continue spending on Mox Credit)
- The fees for Instant Loan will be reviewed from time to time. For more details, please refer to the General terms and conditions (in particular, Part B ‘Instant Loan of Schedule 3) and the Instant Loan Key Facts Statement on Mox website for details.
- The fees for Split Purchase will be reviewed from time to time. For more details, please refer to the Split Purchase Key Facts Statement and Schedule 3 to the General Terms and Conditions on Mox website for details.
- General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.
- The actual turnaround time may vary depending on the actual circumstances of individual applications.
- Terms and conditions apply, please refer to Mox website or Mox app for details.
- To borrow or not to borrow? Borrow only if you can repay!
1. Click "Apply Now" with your mobile device and download Mox Bank App from App Store or Google Play.
2. Create a Mox Account and apply for Mox Credit.
3. Apply for Instant Loan with Mox Credit.
4. Wait for approval.
1. HKID
2. Mobile phone number
3. Residential or mailing address proof
OCBC Bank Personal Loan
+ 2 other gift options
Valid until
30 April 2024
+ 5 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 9 other gift options
Valid until
30 June 2024
Valid until
30 June 2024
- APR as low as 3.30%
- Loan amount up to HK$2,000,000 or 20X of your monthly salary (whichever is lower)
- Repayment tenor up to 60 months
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Successfully applied and drawdown for OCBC Personal Loan / Debt Consolidation Personal Loan on MoneyHero from 1 April 2024 till 30 April 2024 and enjoy up to HK$6,000 Apple Store Gift Card / Wellcome Shopping Voucher
Gift Options
Loan amount HK$500,000 or above
Loan amount from HK$300,000 to HK$499,999
Loan amount from HK$100,000 to HK$299,999
- Please refer to the Terms and Conditions for details
From 1 April 2024 till 30 April 2024, new customers who apply OCBC Personal Loan / Debt Consolidation Personal Loan & submission of documents to the bank on or before 30 April 2024 via MoneyHero can get HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown
Gift Options
- Please refer to the Terms and Conditions for more details
From 1 April 2024 to 30 June 2024, new Customer who successfully applied and drawdown the loan via Online to enjoy up to HK$10,000 rewards
Gift Options
Repayment period 48 months or above + loan amount HK$1,500,000 or above
Repayment period 12 months or above + loan amount HK$1,500,000 or above
Repayment period 48 months or above + loan amount from HK$1,000,000 to HK$1,499,999
Repayment period 24 months or above + loan amount from HK$1,000,000 to HK$1,499,999
Repayment period 48 months or above + loan amount from HK$500,000 HK$999,999
Repayment period 24 months or above + loan amount from HK$500,000 to HK$999,999
Repayment period 48 months or above + loan amount from HK$300,000 HK$499,999
Repayment period 24 months or above + loan amount from HK$300,000 to HK$499,999
Repayment priod 48 months or above + loan amount from HK$100,000 to HK$299,999
Repayment period 24 months or above + loan amount from HK$100,000 to HK$299,999
- Please refer to OCBC Bank (Hong Kong) Limited - Personal Loan for more details
【Apple Store Gift Card Offer】
New Customer who successfully applied and drawdown the loan via Online to enjoy HK$500 Apple Store Gift Card
Gift Options
- Terms and Conditions apply.
- APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis.
- If the loan amount is $1,500,000, the monthly flat rate for 12 months is 0.063%, if the loan is approved finally by the Company, the APR for 12 months is 3.30%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,500,000.
- Example is for reference only, APR may differ with different loan amounts and tenors.
- For enquiries, please refer to OCBC Bank (Hong Kong) Limited - Personal Loan website.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
Having questions when selecting Tax Loans?
What should I pay attention to during my application for tax loans?
When applying for a tax loan, consider the following factors to ensure that you are getting the best tax loan for your financial needs.
Loan Terms and Interest Rates: Understand the loan terms, including the repayment period, interest rates, and any additional fees or charges associated with the loan. Compare the terms offered by different lenders to ensure you are getting the best tax loan package for your needs.
Repayment Options: Consider the repayment options available for the tax loan. Assess your financial situation and choose an option that aligns with your ability to make timely payments. Keep in mind that late payments will incur penalties which can affect the future chances of getting tax loans with favourable offers/lower APR.
Terms and Conditions: Carefully read and understand all the terms and conditions associated with the tax loan. Pay attention to any clauses related to early repayment, late payment penalties, or loan refinancing.
Are tax loans only for tax payments?
Tax loans may also be used for other purposes not related to taxes. You may choose to use tax loans for purposes like debt consolidation, where they can combine high-interest debts into a single and more manageable loan. Or may opt to fund home improvement projects or cover unexpected emergency expenses, such as medical bills or car repairs. Additionally, tax loans could also be used for education-related expenses, investment in small businesses, or even travel and vacation costs. However, you should still check with the specific lender for their policies and terms, as they may vary.
Do tax loans offer lower interest rates than personal loans?
Typically, the lowest APR that a tax loan can offer is lower than that of a personal loan. However, it is not guaranteed that tax loans will always provide more favourable interest rates compared to personal loans. The interest rates for tax loans and personal loans can vary depending on various factors, including the lender, your creditworthiness, the loan amount, and the repayment term.
What is the advantage of applying tax loan online?
Applying for a tax loan online is far more convenient than traditional in-person and paper applications. Online applications can be made from anywhere with internet access, benefiting those in remote areas or with limited branch access.
Another advantage is saving significant time, allowing you to complete forms, upload required documents, and submit everything with just a few clicks, even outside of regular business hours. Furthermore, online tax loans are typically processed faster than paper applications, as digital submissions allow for instant review and more efficient processing. The use of digital documentation eliminates physical paperwork, reducing the risk of document loss, and streamlining the process for lenders who receive information in a digital format.
Why should I apply for a tax loan through MoneyHero?
MoneyHero lets you compare the best tax loan offers available on the market, ensuring that you get the best deals that cater to your financial needs. By applying through MoneyHero, you can research multiple lenders, and review their interest rates, terms, and fees. In addition, discover exclusive tax loan offers that you will not find on other online platforms.
Tax Loan Information
What is tax loan?
Tax loans are typically offered by banks and lending companies during the tax season, designed to help individuals or businesses manage their tax-related expenses. Tax loans can assist you in covering your tax-related payments, such as Salaries Tax, Property Tax and Profits Tax, when you may not have the immediate funds to do so.
In addition to giving a helping hand in tax obligations, tax loans are increasingly used for various purposes, such as home improvements, education expenses, or medical bills, you may also use tax loans for accessing funds for investment opportunities, business ventures, or personal expenses. The flexibility of tax loans makes it a versatile financial tool, providing quick access to funds with low interest rates for a wide range of needs.
What is the difference between instalment loans and tax loans?
There are differences and similarities between the types of loans, in terms of application periods, purposes, repayment structures, documentation & approval as well as interest rates & fees:
Instalment Loans |
Tax Loans |
|
Application Period |
All year |
Tax season, mid-October to April next year |
Purpose |
General-purpose, for personal/business needs |
Mainly for tax-related expenses, but increasingly used for other purpose |
Repayment Structure |
Regular fixed instalments over a repayment period ranging from 3 months to 72 months |
Regular fixed instalments over a repayment period up to 24 months.
|
Documentation & Approval |
ID card, proof of income, proof of address |
ID card, proof of income, proof of address, tax slip |
Interest Rates |
Higher |
Lower |
When are tax loans available?
The availability and specific terms of tax loans in Hong Kong can vary among different financial institutions. Generally, these loans are available from October to April of the following year. For instance, financial institutions may begin offering tax loans from October 2024, up until April 2024 when the tax season in Hong Kong ends.
How do I apply for tax loans?
Applying for tax loans is usually easy. You can start by searching for the best tax loans offered by various financial institutions on MoneyHero's website, compare and choose the one that suits you best. Typically, you'll need to provide some documents related to your taxes, like tax slips or tax assessment notices. Once you've applied and been approved, the bank or lending company will let you know how you'll receive the money and when you need to repay it.
The application process can be divided into four steps, starting from the application submission and ending with loan approval:
1. Application Form: Complete the tax loan application form provided by the financial institution.
2. Supporting Documentation: Gather the necessary supporting documents as required. These documents may include tax returns, tax assessment notices, proof of income, bank statements, identification documents, and any other documentation specified by the lender.
3. Loan Amount and Repayment Plan: Determine the loan amount you require to cover your tax obligations. Some financial institutions may have a maximum loan limit based on your income or the expected tax refund amount. Additionally, discuss and decide on the repayment period that suits your financial situation
4. Loan Approval and Disbursement: After submitting your application and supporting documents, the financial institution will evaluate your application. If approved, you will receive a loan offer outlining the loan amount, interest rate, fees, and repayment terms. Upon acceptance of the tax loan offer, the funds will be disbursed to you, either directly to your bank account or through another agreed-upon method.
What are the requirements for tax loan applications?
When applying for a tax loan, financial institutions will require a variety of details and documents. Generally speaking, applicants will need to provide identification documents, personal contact information, employment details, proof of tax obligations, and proof of income.
Tax Loan Calculator
Having trouble calculating the repayment? Hoping to learn more about loan formula? We’ll handle the task of filtering precise loan offers tailored to your profile and needs. Simply use our free tax loan calculator. With a few clicks, we will present you with a comprehensive list of available loan options for you, enabling you to confidently choose the most suitable one.
Best Tax Loans Offers
When comparing tax loans, consider factors such as interest rates, fees, and repayment terms for your needs. MoneyHero has narrowed down the best tax loan offers of 2024 so you can secure the most favourable terms and maximise the benefits of borrowing against your expected tax refund.