Mox Bank Instant Loan

Update time: May 2023

Total Repayment (as low as)


Monthly Repayment (as low as)


APR (as low as)

Monthly Flat Rate: 0.37%
APR as low as 1.87% with an Instant Loan on a Mox Credit transaction of HK$850,000 spilt into 49-60 monthly instalments
Easy application, instant decision: Instant approval with no additional documents needed; Your loan will be credited to your Mox Account in an instant upon approval

Great for

  • Product Features

    • For an Instant Loan on a Mox Credit transaction of HK$850,000 spilt into 49-60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 1.87%.
    • 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
    • The maximum loan tenor is 60 months
  • Mox Credit Cash Advance: Get extra cash from ATM

  • 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
  • MoneyHero Limited-Time Exclusive Offer - Cash Reward up to HK$1,100

    • From now till 4 June 2023, the first 500 new customers open a Mox Account and apply for Mox Credit successfully with the invitation code MHFLASH will be rewarded with HK$300 Apple Store Gift Card; reward of HK$800 cash reward upon meeting spend requirement of HK$800 on Mox Credit within the first 30 days of Mox Credit approval. Details may refer to here.

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 Loan on a Mox Credit transaction of HK$850,000 spilt into 49 monthly instalments, the Annualised Percentage Rate (APR) is as low as 1.87%. 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 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.
    • HK$0 handling fee means Cash Advance Fee from Mox will be waived during the campaign period, while Cash Withdrawal Fee from MasterCard ATM is not included. This is a promotional offer; for our standard handling fee for Mox Credit cash advance, please refer to the ‘Mox Credit Key Facts Statement’ in the Mox app and/or on Mox website. Interest will be charged on any unpaid amount of each cash advance from the settlement date of the cash advance on a daily basis until it is repaid in full. The Annualized Percentage Rate (APR) is 35.91% for cash advance in general. APR may vary and adjust among different card products, please refer to your statement for details. APR is calculated in accordance with the Code of Banking Practice. APR is a reference rate which expresses the fees and charges of respective product as an annualized rate.
    • 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!


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


Handling Fee

Steps to Apply

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.

Required Documents


2. Mobile phone number

3. Residential or mailing address proof

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