Mox Instant Personal Loan – Latest Interest Rates and Offers
Updated: 15 Oct 2025
Mox is one of Hong Kong’s virtual banks, backed by investors including Standard Chartered, PCCW, HKT, and Trip.com. MoneyHero introduces Mox’s range of credit services and products, such as “Instant Borrow,” “Instant Clear” for credit card balances, and various installment plans.
Total Interest
HK$ 2,052Total Repayment
HK$ 302,052APR
1.18 %Handling Fee
HK$ 0For a Mox Instant Loan (Suitable for Tax Season) of HK$300,000 over 12 months, you’ll enjoy via Moneyhero:
You’ll also receive the following welcome gift(s) directly from the lender:
- Successfully apply Mox Instant Loan using promotion code “MHCASH10” as “Instant Loan Name” via MoneyHero from now till 1 December 2025, after successful approval via MoneyHero to enjoy up to HK$4,500 MoneyHero Exclusive Offer and HK$600 Application Incentive Voucher.
- Customers can also earn HK$1,000 upon a successful loan application of HK$70,000 or above !
- The APR in app is "What you see what you get ", which means we are very transparent of the rate we can offer, compared to other banks that need to wait few hours or days to get the quotation.
- Convenient to apply - in app, 24/7. Get your application result instantly, Get the cash as quick as one second to your Mox Account upon approval
- HKD 0 handling fee, receive the loan for the exact amount you apply for
- A flexible repayment period from 3 to 60 months
- Live chat available in the app if they want to know more
- Min to Max loan amount is 5k-2M
- No extra documents required apart from HKID. No extra documents required to top up instant loan. Complete the loan application in 5 mins!
- For an Instant Loan of HKD100,000 split into 60 monthly instalments, the Annualised Percentage Rate (APR) is 4.46%. With interest calculated on 365 days per year, the estimated daily interest amount is HKD6.31 (rounded to the nearest whole number).
- The fees for Instant Loan will be reviewed from time to time. General terms and conditions (in particular, Part B: Instant Loan of Schedule 3) and the Instant Loan Key Facts Statement apply. Details are available in the ‘Legal documents’ section of our website.
Eligibility
Minimum Age: 18 years old
Required Documents
HKID
Key Features
- Step to apply
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Customers fill out the online form ( image for details)
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Mox customer service team will contact the customer and ask them to apply for a loan through the Mox App.
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Customers download the App (new users) / Customers open the App (existing users) and complete the application process as described in the attachment.
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Enter "MSCASH10" in the "Instant Loan Name" field.
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- You need to have a Mox Credit account. Your maximum loan amount depends on your available credit limit.
- ¹For an Instant Loan with a principal amount of HKD1,000,000 with a repayment period of 6 months, the Annualised Percentage Rate (APR) is as low as 1.18% (which does not include any cash reward under the Instant Loan Cash Reward Promotion). Total repayment amount is HKD1,003,420. 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.
- ²Instant Loan Cash Reward Promotion Terms and Conditions apply. For an Instant Loan with a principal amount of HKD1,500,000 with a repayment period of 49 months, the Annualised Percentage Rate (APR) is as low as 2.51% (when including the cash reward of HKD13,888, which will be credited to your Mox Account on or before 31 March 2026), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 2.97%. If you apply to top up your active Instant Loan(s), the Eligible Instant Loan Amount for the Instant Loan Cash Reward Promotion will be the Instant Loan principal amount that is on top of the outstanding principal amount of your active Instant Loan(s).
- if you have "instant approval" You need to provide HKID for Mox Account opening and apply for Mox Credit. The approval time for Instant Loan application depends on the status of your Mox Credit. In some circumstances, we may require you to provide supporting documents by a simple submission process when you apply for Mox Credit. The approval time for Mox Credit is subject to a customer’s individual circumstances.
- if you have daily interest $6
For an Instant Loan of HKD100,000 split into 60 monthly instalments, the Annualised Percentage Rate (APR) is 4.46%. With interest calculated on 365 days per year, the estimated daily interest amount is HKD6.31 (rounded to the nearest whole number). - The fees for Instant Loan will be reviewed from time to time. General terms and conditions (in particular, Part B: Instant Loan of Schedule 3) and the Instant Loan Key Facts Statement apply. Details are available in the ‘Legal documents’ section of our website.
- 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!
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