Mox Bank Instant Loan

Great for

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  Product Features

  • For an Instant Loan on a Mox Credit transaction of HK$800,000 spilt into 49-60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 4.53%.
  • 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
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  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

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  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$800,000 spilt into 49 monthly instalments, the Annualised Percentage Rate (APR) is as low as 4.53%. 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.
  • 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!