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Tax Loan Type
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Find The Best Tax Loan In Hong Kong

Tax loans offer immediate financial assistance and help manage cash flow for someone facing tax obligations. They can be used to consolidate debts, seize investment opportunities or bridge the waiting period for tax refunds. Seek guidance from MoneyHero to find the best offers on tax loans .

Tax loans typically appear primarily during the tax season in Hong Kong (between October to April) due to the specific nature of their purpose. During this time, you are required to file your tax and settle your tax obligations with the Inland Revenue Department. As a result, there is a spike in demand for financial assistance to cover tax liabilities.



Tax Loans Products

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Tax loan amount HK$400,000 to be repaid in 24 months
HK$
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mth
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Exclusive offer Best Price Guarantee Application incentive Large size loan

CNCBI $mart Plus Tax Season Loan

CNCBI $mart Plus Tax Season Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

MoneyHero Exclusive Offer
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

MoneyHero Exclusive Offer
iPad Pro Wi‑Fi 256GB (valued at HK$7,299)
iPad Pro Wi‑Fi 256GB (valued at HK$7,299)

+ 9 other gift options

Valid until

02 April 2024

Exclusive offer Application incentive High Reward Large size loan

Standard Chartered Tax Season Personal Instalment Loan

Standard Chartered Tax Season Personal Instalment Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

5 Offers Available

MoneyHero Exclusive
iPhone 15 Pro 256GB (valued HK$9,399)
iPhone 15 Pro 256GB (valued HK$9,399)

+ 11 other gift options

Valid until

02 April 2024

MoneyHero Exclusive
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

SCB Welcome Offer 1
HK$7,000 Cash Reward
HK$7,000 Cash Reward

+ 7 other gift options

Valid until

31 May 2024

SCB Lucky Draw
336,000 Asia Miles
336,000 Asia Miles

Valid until

31 May 2024

SCB Welcome Offer 2
HK$1,000 Extra Cash Reward (for new client and SCB auto payroll customer)
HK$1,000 Extra Cash Reward (for new client and SCB auto payroll customer)

Valid until

31 May 2024

Application incentive No early settlement penalty Approval at weekends Quick cash

PrimeCredit Fixed Loan

PrimeCredit Fixed Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Exclusive Offer
HK$1,000 Apple Store Gift Card
HK$1,000 Apple Store Gift Card

+ 1 other gift options

Valid until

31 March 2024

MoneyHero Exclusive Offer
HK$6,800 Apple Store Gift Card
Up to HK$6,800 Apple Store Gift Card

+ 3 other gift options

Valid until

31 March 2024

Welcome Offer
Up to HK$12,000 Cash Bonus
Up to HK$12,000 Cash Bonus

Valid until

30 April 2024

Exclusive offer Approval at weekends High Reward Large size loan

WeLend Personal Loan (Available for tax season)

WeLend Personal Loan (Available for tax season)
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

MoneyHero Exclusive Offer
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

MoneyHero Exclusive
HK$19,000 Cash Reward
HK$19,000 Cash Reward

+ 6 other gift options

Valid until

31 March 2024

Exclusive offer Approval at weekends High Reward Large size loan

【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan 

【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan 
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

MoneyHero Exclusive Offer
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

MoneyHero Exclusive
HK$19,000 Cash Reward
HK$19,000 Cash Reward

+ 6 other gift options

Valid until

31 March 2024

UA Seasonal Tax Loan

UA Seasonal Tax Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

AEON Too Easy Tax Loan

AEON Too Easy Tax Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

MoneyHero Exclusive Offer
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

Welcome Offer
HK$10,000 Cash Rebate
HK$10,000 Cash Rebate

+ 5 other gift options

Valid until

31 March 2024

Exclusive offer Approval at weekends Salary proof free Large size loan

DBS Tax Season Loan

DBS Tax Season Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Exclusive
HK$10,800 Apple Store Gift Card (New to bank customer)
HK$10,800 Apple Store Gift Card (New to bank customer)

+ 19 other gift options

Valid until

31 March 2024

Welcome Offer
HK$7,700 Supermarket Voucher
HK$7,700 Supermarket Voucher

+ 5 other gift options

Valid until

31 March 2024

InstaRedeem
HK$300 Cash Reward
HK$300 Cash Reward

Valid until

31 March 2024

Exclusive offer Quick cash Large size loan Salary proof free

CCB (Asia) Personal Instalment Loan

CCB (Asia) Personal Instalment Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Exclusive
HK$3,000 Apple Store Gift Card
HK$3,000 Apple Store Gift Card

+ 1 other gift options

Valid until

26 March 2024

Welcome Offer
HK$8,000 Cash Rebate
HK$8,000 Cash Rebate

+ 4 other gift options

Valid until

26 March 2024

Limited Offer
HK$500 Cash Rebate
HK$500 Cash Rebate

Valid until

26 March 2024

Approval at weekends Quick cash Loan app No show-up

Mox Instant Loan

Mox Instant Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

Having questions when selecting Tax Loans?

What should I pay attention to during my application for tax loans?

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When applying for a tax loan, consider the following factors to ensure that you are getting the best tax loan for your financial needs. 

Loan Terms and Interest Rates: Understand the loan terms, including the repayment period, interest rates, and any additional fees or charges associated with the loan. Compare the terms offered by different lenders to ensure you are getting the best tax loan package for your needs.

Repayment Options: Consider the repayment options available for the tax loan. Assess your financial situation and choose an option that aligns with your ability to make timely payments. Keep in mind that late payments will incur penalties which can affect the future chances of getting tax loans with favourable offers/lower APR. 

Terms and Conditions: Carefully read and understand all the terms and conditions associated with the tax loan. Pay attention to any clauses related to early repayment, late payment penalties, or loan refinancing.

Are tax loans only for tax payments?

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Tax loans may also be used for other purposes not related to taxes. You may choose to use tax loans for purposes like debt consolidation, where they can combine high-interest debts into a single and more manageable loan. Or may opt to fund home improvement projects or cover unexpected emergency expenses, such as medical bills or car repairs. Additionally, tax loans could also be used for education-related expenses, investment in small businesses, or even travel and vacation costs. However, you should still check with the specific lender for their policies and terms, as they may vary.

Do tax loans offer lower interest rates than personal loans?

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Typically, the lowest APR that a tax loan can offer is lower than that of a personal loan. However, it is not guaranteed that tax loans will always provide more favourable interest rates compared to personal loans. The interest rates for tax loans and personal loans can vary depending on various factors, including the lender, your creditworthiness, the loan amount, and the repayment term.

What is the advantage of applying tax loan online?

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Applying for a tax loan online is far more convenient than traditional in-person and paper applications. Online applications can be made from anywhere with internet access, benefiting those in remote areas or with limited branch access. 

Another advantage is saving significant time, allowing you to complete forms, upload required documents, and submit everything with just a few clicks, even outside of regular business hours. Furthermore, online tax loans are typically processed faster than paper applications, as digital submissions allow for instant review and more efficient processing. The use of digital documentation eliminates physical paperwork, reducing the risk of document loss, and streamlining the process for lenders who receive information in a digital format.

Why should I apply for a tax loan through MoneyHero?

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MoneyHero lets you compare the best tax loan offers available on the market, ensuring that you get the best deals that cater to your financial needs. By applying through MoneyHero, you can research multiple lenders, and review their interest rates, terms, and fees. In addition, discover exclusive tax loan offers that you will not find on other online platforms. 

Tax Loan Information

What is tax loan?

Tax loans are typically offered by banks and lending companies during the tax season, designed to help individuals or businesses manage their tax-related expenses. Tax loans can assist you in covering your tax-related payments, such as Salaries Tax, Property Tax and Profits Tax, when you may not have the immediate funds to do so.

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What is the difference between instalment loans and tax loans?

There are differences and similarities between the types of loans, in terms of application periods, purposes, repayment structures, documentation & approval as well as interest rates & fees:

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When are tax loans available?

The availability and specific terms of tax loans in Hong Kong can vary among different financial institutions. Generally, these loans are available from October to April of the following year. For instance, financial institutions may begin offering tax loans from October 2024, up until April 2024 when the tax season in Hong Kong ends.

How do I apply for tax loans?

Applying for tax loans is usually easy. You can start by searching for the best tax loans offered by various financial institutions on MoneyHero's website, compare and choose the one that suits you best. Typically, you'll need to provide some documents related to your taxes, like tax slips or tax assessment notices. Once you've applied and been approved, the bank or lending company will let you know how you'll receive the money and when you need to repay it.

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What are the requirements for tax loan applications?

When applying for a tax loan, financial institutions will require a variety of details and documents. Generally speaking, applicants will need to provide identification documents, personal contact information, employment details, proof of tax obligations, and proof of income. 

Tax Loan Calculator 

Having trouble calculating the repayment? Hoping to learn more about loan formula? We’ll handle the task of filtering precise loan offers tailored to your profile and needs. Simply use our free tax loan calculator. With a few clicks, we will present you with a comprehensive list of available loan options for you, enabling you to confidently choose the most suitable one.

Best Tax Loans Offers 

When comparing tax loans, consider factors such as interest rates, fees, and repayment terms for your needs. MoneyHero has narrowed down the best tax loan offers of 2024 so you can secure the most favourable terms and maximise the benefits of borrowing against your expected tax refund.