Mox Credit Instant Clear

Update time: Sept 2023

Total Repayment (as low as)


Monthly Repayment (as low as)


APR (as low as)

Monthly Flat Rate: 0.32%
Enjoy 0% interest with a repayment period of 3 to 6 months
No additional documents required

Great for

  • Instant Clear: Clear your external credit card bills now with 0% interest

    • With Instant Clear, there is a flexibility to pay other banks or financial institutions’ credit card bills of HK$5,000 and above in easy instalments up to 60 months
    • Apply for an Instant Clear of HK$5,000 or above with a repayment period of 3 to 6 months, you can enjoy 0% interest, and only a one-off fee listed below will be charged
    Instant Clear Amount
    One-off fee
    A repayment period of 3 months A repayment period of 4-6 months
    HK$20,000 or below HK$200 HK$300
    HK$20,001 to HK$74,999 HK$800 HK$1,200
    • For the APR of Instant Clear, please refer to the Mox app
  • Split Purchase

    • You can split any 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  
    • 1% Unlimited CashBack on your spending

Need to know

  • Things you need to know

    • You need to have a Mox Credit account. Your maximum loan amount depends on your available credit limit.
    • For an Instant Clear application on Mox Credit of HK$20,000, the Annualised Percentage Rate (APR) of 3 months repayment period is as low as 6.24% and 4-6-months repayment period (APR) is as low as 5.34%
    • One-of-fee will be charged for the loan tenor of 3 to 6 months.
    • 0% interest refers to the monthly fee on Instant Clear application of repayment period of 3-6 months. Please note that designated one-off fee will be charged, you may refer the APR and related fee in the Mox app 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 Statementand Schedule 3 to the General Terms and Conditionson Mox website for details.
    • General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.
    • To borrow or not to borrow? Borrow only if you can repay!


Minimum Age
18 years old
Min. Annual Income
Not Applicable
Permanent Resident

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