BEA (Bank of East Asia) Loans | Latest Popular Personal Fast Low-Interest Loans, Offers, and Approval Times
Updated: 15 Oct 2025
The Bank of East Asia (BEA) offers a range of personal loan products, with the tax season loan being one of the most popular options. It features low interest rates, flexible repayment terms, and attractive cashback rewards. Whether you need funds for tax payments, unexpected expenses, or debt consolidation, BEA Personal Loans offer competitive annual interest rates and up to HK$2,400 cashback or HK$3,000 cash vouchers to meet diverse financial needs.
This article provides an in-depth overview of BEA Personal Loan features, the latest promotions, approval times, and repayment details, helping you make a smarter borrowing decision.
Total Interest
HK$ 7,560Total Repayment
HK$ 307,560APR
4.72 %Handling Fee
HK$ 0For a BEA Instalment Loan of HK$300,000 over 12 months, you’ll enjoy via Moneyhero:
- Fixed monthly flat rate as low as 0.15% with any loan amount
- APR as low as 3.36% and repayment period up to 60 months
- Rewards up to HK$3,000
- Loan amount up to HK$2,000,000
- 0% handling fee for online application
- No income proof required for property owners/BEA auto-payroll customers
Eligibility
Minimum age: 18 years old
Min. Monthly Income: HK$5,000
Required Documents
- Hong Kong Identity Card
- Income Proof
Additional documents may be required for approval of application
Key Features
The Annualised Percentage Rate ("APR") as shown is calculated according to the standard method set out in the Code of Banking Practice and is rounded up or down to the nearest 2 decimal places, and includes the full arrangement fee waiver. The APR is for reference only. Please note that the APR stated in the loan confirmation letter will not include any cash rebate. Actual APRs and monthly repayments may differ, and the details stated in the loan confirmation letter shall prevail.
- The loan amount can be up to 16 times the applicant’s basic monthly salary (maximum HK$2,000,000). The final approved loan amount, based on a multiple of the applicant’s monthly salary, is subject to change in accordance with individual circumstances.
- If the requested loan amount is approved in full, The Bank of East Asia, Limited will not notify the applicant. The Loan amount will be credited to the applicant’s designated bank account directly.
- In case of dispute, the decision of MoneyHero and BEA shall be final and conclusive
- Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!