Find the Best Personal Installment Loans in Hong Kong
If you are facing unexpected financial emergencies, you may be in search of the best personal instalment loan for financial relief. MoneyHero is here to help you find that! We have curated a comprehensive list of personal instalment loans from various banks in Hong Kong, providing you with the flexibility to compare and choose the loan that suits you best. Easily compare the offers in terms of interest rates, APR (Annual Percentage Rate), repayment terms, and other benefits. Apply now with MoneyHero. Get free advice and save more on your loan here!
CNCBI $mart Plus Personal Installment Loan
+ 2 other gift options
Valid until
30 April 2024
+ 8 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
- APR as low as 1.90%
- Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
- Flexible repayment period of 6 to 60 months
- Same day disbursement to your CNCBI account
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
[MoneyHero Exclusive Offer]
- Eligibility:
- successfully apply for CNCBI $mart Plus Personal Installment Loan or CNCBI $mart Plus Personal Installment Loan – Debt Consolidation on MoneyHero from 2 April 2024 6 p.m. till 30 April 2024 6 p.m., and
- choose a repayment period of 12 months or above, and drawdown the loan within 1 month
Gift Options
Loan amount HK$1,500,000 or above + repayment period at least 12 months or above
Loan amount from HK$800,000 to HK$1,499,999 + repayment period at least 12 months or above
Repayment period at least 12 months or above + repayment period from HK$300,000 to HK$799,999
Repayment period at least 12 months or above + loan amount from HK$100,000 to HK$299,999
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Time-limited Offer: From 2 April 2024 6 p.m. to 30 April 2024 6 p.m., you can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2024, regardless of loan approval and drawdown
Gift Options
- The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate. The respective APRs are rounded to the nearest two decimal places.
- The APR 1.90% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.001%, including a Handling Fee of 1% per annum. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the CNCBI reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
- Handling Fee is charged 1% per annum based on loan amount and shall be deducted upon loan drawdown.
- Same-day fund disbursement service is applicable to customers who use CNCBI bank account for fund disbursement, and it only applies to our Bank’s service hours (Monday to Friday from 9:00 am to 8:00 pm and except Saturday, Sunday and public holidays). The processing time starts when the approved loan is confirmed with the Bank.
- Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!
1. HKID card / passport / other identification document
2. Bank statement or passbook showing your latest 1-month income proof (including the copy of front cover page
of your passbook which shows your name and account number) or any type of income proof. Please provide
the latest 2-month income proof if you are commission based income earner
3. If you are self-employed, please provide Business registration certificate and the latest profits tax demand note, and
the latest 3-month company account statements
4. Residential address proof showing your name issued within the latest 3 months (e.g. electricity bills or bank statements)
5. Proof of professional qualification (For professionals only)
6. Office address proof if office address is selected as correspondence address
7. If you are not holder of Hong Kong permanent identity card, please submit passport/ Exit/ Entry Permit for Travelling to and from Hong Kong and Macau/ identity card of place of origin and working visa issued by the Hong Kong SAR Government
8. Full copy of the front cover page of passbook / bank statement of the loan disbursement account
9. Autopay authorization form
10. Loan confirmation letter(s) or latest 1-month statement(s) (showing your name and account number) of credit card(s) and loan(s) that you wish to transfer to CNCBI $mart Plus Personal Installment Loan
Standard Chartered Personal Instalment Loan
+ 2 other gift options
Valid until
30 April 2024
+ 8 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 7 other gift options
Valid until
31 May 2024
Valid until
31 May 2024
Valid until
31 May 2024
- Maximum loan amount of up to 18X monthly salary or HK$4,000,000 (whichever is lower)
- Max Loan Repayment Tenure: 60 months; 0% handling fee
- 7-Day Cooling-off Period - Early redemption fees and changes waiver with waiver on early redemption fee and charges
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
From 16 April 2024 6 p.m. to 30 April 2024 6 p.m. customers who have successfully applied for and approved a loan of HK$200,000 or above and draw down the loan within 3 months can enjoy the following exclusive offers
Gift Options
Loan amount HK$800,000 and above
Loan amount from HK$300,000 to HK$799,999
Loan amount from HK$200,000 to HK$299,999
Remember to prepare your mobile phone and Hong Kong ID card before applying! The application process will require you to enter a mobile phone verification code. To successfully apply through MoneyHero and receive exclusive rewards, you must successfully complete this step! After completing the application, remember to copy down the application reference number so that you can check the application progress at any time and receive exclusive MoneyHero offers.
- Note down your application reference number shown on the application completion page ("Thank you" Page) for reference (e.g. HKxxxxxxxxxxxxxx)
- Within 7 days of loan approval date, please send (1) the name of the applied product, (2) application date and (3) screenshot of Loan withdrawal confirmation SMS, E-mail to support@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.
- Detailed steps: How to redeem exclusive rewards from MoneyHero?
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
- For more details about the promotion, please see Terms and Conditions
From 2 April 2024 12 noon to 30 April 2024 6 p.m., you can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) OR HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2024, regardless of loan amount, approval or drawdown
Gift Options
- For more details about the promotion, please see Terms and Conditions
Up to HK$7,000 Cash Rebate
Gift Options
Loam Amount HK$1,500,000 and above + repayment period at least 12 months
Loam Amount from HK$600,000 to HK$1,499,999 + repayment period at least 12 months
Loam Amount from HK$200,000 to HK$599,999 + repayment period at least 12 months
Loam Amount from HK$50,000 to HK$199,999 + repayment period at least 12 months
Loam Amount HK$1,500,000 and above + repayment period at least 24 months or above
Loam Amount from HK$600,000 to HK$1,499,999 + repayment period at least 24 months or above
Loam Amount from HK$200,000 to HK$599,999 + repayment period at least 24 months or above
Loam Amount from HK$50,000 to HK$199,999 + repayment period at least 24 months or above
- From 1 March 2024 to 31 May 2024, a client who successfully applied and drawdown the loan online is entitled to enjoy up to HK$7,000 Cash Rebate, an extra HK$1,000 cash rebate will be eligible for a New client whose loan tenor is 36 months or above.
A new client refers to a person who does not currently hold any Standard Chartered Credit Card and/or any loans.
- Terms and Conditions apply.
Gift Options
【Standard Chartered Lucky Draw】
- From 1 March 2024 to 31 May 2024, clients who have
- successfully applied for a Personal Instalment Loan or Debt Consolidation Program online with Standard Chartered Bank (Hong Kong) Limited during the Promotion Period and
- drawn down within three months will be enrolled in the Lucky Draw automatically without further registration in accordance with these terms and conditions.
Number of Winners | Prize |
Total 6 winners (one round for each month & 2 winners per round) | 336,000 Asia Miles (Redemption Reference: Two Set of Europe Business Round Trip Ticket) |
- For more informations see Terms and Conditions
Extra HK$1,000 Cash Rebate (for new client and SCB auto payroll customer)
Gift Options
Loan amount HK$50,000 and above + repayment period at least 36 months
- From 1 March 2024 to 31 May 2024, an extra HK$1,000 cash rebate for a New client who successfully applied and drawdown the loan online and SCB auto payroll customer whose loan tenor is 36 months or above.
A new client refers to a person who does not currently hold any Standard Chartered Credit Card and/or any loans.
- The Annualised Percentage Rate is 1.85% (for clients with loan amount of HK$1,500,000 or above and tenor of 12 months). APRs are reference rates which include the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The preferential interest rates are only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application, or clients who use the Bank’s auto-payroll services or SCB Priority Private / Priority Banking Customers. The Bank reserves the right to determine the applicable interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions
- The Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
- Standard Chartered Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.
- Eligibility: With fixed annual income of HK$96,000 or above; and Hong Kong permanent residents aged 20 or above
- The monthly flat rate shown above was rounded to 2 decimal places and for reference only.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
1. Hong Kong Permanent Identity Card
2. Latest residential address proof showing your name
3. For regular income earners, please enclose latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing name, account number and salary entries;
For irregular income earners, please enclose latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing name, account number and salary entries;
For self-employed applicants, please enclose a Business Registration Certificate AND latest Profits Tax Demand Note
PrimeCredit Fixed Loan
+ 2 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
Valid until
30 April 2024
- Online instant approval and 24 x 7 loan disbursement
- No income proof is required
- Repayment terms up to 72 months
- No handling fee, no early settlement fee
- Only applicable to eligible customers. For more loan and offer details, please visit PrimeCredit's website
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Remember to click here to fill out the reward form within 7 days after application
Gift Options
[MoneyHero Exclusive Offer] - Time-limited Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 1 April 2024 to 30 April 2024, you can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to PrimeCredit on or before 30 April 2024, regardless of loan approval and drawdown (if the application' final status is canceled, the customer would not be eligible to any rewards of this promotion)
- For more details about the promotion, please see Terms and Conditions
[PrimeCredit Welcome Offer] Up to HK$12,000 Cash Bonus
- From 1 March 2024 to 30 April 2024, up to HK$12,000 cash bonus upon application and drawdown of the designated personal loan.
Gift Options
- During the promotion period, customers who successfully apply for and drawdown designated personal loans with minimum 12 instalments through this webpage can enjoy Cash Bonus calculated based on 1% of the net loan amount. The maximum amount that a property owner who applies for a designated personal loan can enjoy is $12,000; while the maximum amount that a non-property owner can enjoy is $8,000. Each customer can enjoy the offer once during the promotion period.
- The promotion period is from 1 March 2024 to 30 April 2024 (both days inclusive). Terms and conditions apply. The offers cannot be used in conjunction with other promotions. PrimeCredit reserves the right to terminate the offers or amend the details and terms & conditions without prior notice. For details of the loan and promotion, please contact PrimeCredit. PrimeCredit reserves its absolute rights on the final loan decision and any disputes.
- Warning: You have to repay your loans. Don't pay any intermediaries
- Enquiry and Complaint Hotline: 2111 2999
- Money Lender's Licence No.: 759/2023
Citi Tax Season Loan
+ 2 other gift options
Valid until
30 April 2024
+ 12 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 15 other gift options
Valid until
30 April 2024
- Same-day approval and same-day loan disbursement
- The loan amount is up to 12 times of the monthly salary or HK$3,500,000, whichever is lower
- Repayment term up to 60 months, HK$0 handling fee
- No hidden terms and conditions
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
[MoneyHero Exclusive Offer]
From 8 April 2024 12 noon to 30 April 2024 6 p.m., successfully apply for Citi Tax Season Loan or Citi Card Debt Consolidation Loan on MoneyHero , choose a repayment period of 12 months or above, and drawdown the loan within 1 month to enjoy the MoneyHeron exclusive offer
Gift Options
Loan amount HK$2,000,000 or above + repayment period at least 12 months
Loan amount from HK$800,000 to HK$1,999,999 + repayment period at least 12 months
Loan amount from HK$300,000 to HK$799,999 + repayment period at least 12 months
Loan amount from HK$200,000 to HK$299,999 + repayment period at least 12 months
Loan amount from HK$100,000 to HK$199,999 + repayment period at least 12 months
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Gift Options
[MoneyHero Exclusive Offer] Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR $1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 2 April 2024 12 noon to 30 April 2024 6 p.m., apply for the Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero as a new customer
- For more details about the promotion, please see Terms and Conditions
- Clients who successfully apply for Citi Tax Season Loan or Citi Speedy Cash Loan or Citi Card Debt Consolidation Loan from 1 January 2024 to 30 April 2024 and drawdown the loan on or before 14 May 2024 will be entitled to the following welcome offer
Gift Options
Repayment period at least 25 months + loan amount HK$1,500,000 or above
Repayment period at least 25 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period at least 25 months + loan amount from HK$400,000 to HK$799,999
Repayment period at least 25 months + loan amount from HK$100,000 to HK$399,999
Repayment period from 12 months to 24 months + loan amount HK$1,500,000 or above
Repayment period from 12 months to 24 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period from 12 months to 24 months + loan amount from HK$400,000 to HK$799,999
Repayment period from 12 months to 24 months + loan amount from HK$100,000 to HK$399,999
- The application of Citi Tax Season Loan or Citi Debt Consolidation Loan must be successfully applied on or before 30 April 2024.
The application date is subject to Citibank’s system records
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
For more details about the promotion, please see Terms and Conditions
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
- Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
- Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
- A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
- Each eligible customer can enjoy the Reward once during the promotion period
- "Same day approval and same day loan disbursement" is only applicable to selected customers who successfully submit the required documents together with a filled in application form before 10am of that working day (Monday to Friday). Actual approval and loan disbursement time may differ based on the information provided
- The Annualised Percentage Rate ("APR") of 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$3,500,000 and repayment tenor of 12 months. The actual APR applicable may differ. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
- To borrow or not to borrow? Borrow only if you can repay!
PrimeCredit Civil Servant & Professional Loan
+ 2 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
Valid until
30 April 2024
- Repayment terms up to 72 months
- Monthly flat rate as low as 0.05%
- 14-day Flexi Payment
- No handling fee, no early settlement fee
- Only applicable to eligible customers. For more loan and offer details, please visit PrimeCredit's website
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Remember to click here to fill out the reward form within 7 days after application
Gift Options
[MoneyHero Exclusive Offer] - Time-limited Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 1 April 2024 to 30 April 2024, you can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to PrimeCredit on or before 30 April 2024, regardless of loan approval and drawdown (if the application' final status is canceled, the customer would not be eligible to any rewards of this promotion)
- For more details about the promotion, please see Terms and Conditions
[PrimeCredit Welcome Offer] Up to HK$12,000 Cash Bonus
- From 1 March 2024 to 30 April 2024, up to HK$12,000 cash bonus upon application and drawdown of the designated personal loan.
Gift Options
- During the promotion period, customers who successfully apply for and drawdown designated personal loans with minimum 12 instalments through this webpage can enjoy Cash Bonus calculated based on 1% of the net loan amount. The maximum amount that a property owner who applies for a designated personal loan can enjoy is $12,000; while the maximum amount that a non-property owner can enjoy is $8,000. Each customer can enjoy the offer once during the promotion period.
- The promotion period is from 1 March 2024 to 30 April 2024 (both days inclusive). Terms and conditions apply. The offers cannot be used in conjunction with other promotions. PrimeCredit reserves the right to terminate the offers or amend the details and terms & conditions without prior notice. For details of the loan and promotion, please contact PrimeCredit. PrimeCredit reserves its absolute rights on the final loan decision and any disputes.
Professionals
- including, but not limited to, doctors, nurses, lawyers, and teachers
- PrimeCredit reserves the right of final interpretation of the definition of professionals
Warning: You have to repay your loans. Don't pay any intermediaries
Enquiry and Complaint Hotline: 2111 2999
Money Lender's Licence No.: 759/2023
【MoneyHero Exclusive】WeLend "Bank Customer" Lower Interest Rate Loan
+ 2 other gift options
Valid until
30 April 2024
+ 6 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
- Enjoy Cash Reward up to HK$19,000 upon successfully draw down
- Civil servants / professionals can enjoy interest rates as low as 1.88% APR.
- Loan amount of HK$500,000 or above can enjoy low interest rate as tax loans.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
From 4 October 2023 to 30 April 2024 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$19,000 cash reward.
Gift Options
Repayment period at least 24 months + loan amount from HK$800,001 or above
Repayment period at least 24 months + loan amount from HK$600,001 to HK$800,000
Repayment period at least 24 months + loan amount from HK$500,001 to HK$600,000
Repayment period at least 24 months + loan amount from HK$400,001 to HK$500,000
Repayment period at least 24 months + loan amount from HK$300,001 to HK$400,000
Repayment period at least 24 months + loan amount from HK$200,001 to HK$300,000
Repayment period at least 24 months + loan amount from HK$100,001 to HK$200,000
- For more details about the promotion, please see Terms and Conditions
- The Cash Rebate amount will be credited by WeLend to eligible customers’ loan account directly on or before the fourth instalment due date for repayment.
Gift Options
[MoneyHero Exclusive Offer] HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 7 March 2024 6 p.m. to 30 April 2024, new customers who apply WeLend Personal Loan via MoneyHero can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result.
- For more details about the promotion, please see Terms and Conditions
- A.I. chatbot provides immediate solutions 24/7.
- The loan will be transferred via Faster Payment System (FPS) after the loan is approved and the loan agreement is signed. Actual transfer time is subject to each individual bank's transfer service hours.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0958/2023
UA i-Money Express Online Personal Loan
+ 2 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 9 other gift options
Valid until
30 April 2024
Valid until
30 April 2024
- Accepts applications from property owners with up to HK$1,000,000 required loan amount. A Deed of Assignment is not required from property owners, and they can enjoy a large turnover amount.
- Loan amount of up to HK$500,000
- Flexible repayment term of up to 60 months
- Apply online anytime anywhere, no face-to-face contact is required
- Whole loan process is completed 24x7 online
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more referrals!
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 7 days
Gift Options
- From 27 March 2024 6 p.m. to 30 April 2024, you can get extra Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2024, regardless of loan approval and drawdown
- Please refer to the Terms and Conditions for details
[UA rewards you the Best-in-town offer!]
- Cash Reward up to $18,000 for all new and existing customers! Offer valid until 30 April 2024, please refer to more details below.
- Up to an extra HK$17,800 Cash Reward upon successful Personal Instalment Loan drawdown with a repayment period of 12 months or above according to the amount of the personal instalment loan
- Up to HK$200 Cash reward upon successful e-Cash Revolving Loan Account opening
Gift Options
Repayment period at least 12 months + loan amount at least HK$800,000 and above
Repayment period at least 12 months + loam amount from HK$700,000 to HK$799,999
Repayment period at least 12 months + loam amount from HK$550,000 to HK$699,999
Repayment period at least 12 months + loam amount from HK$500,000 to HK$549,999
Repayment period at least 12 months + loam amount from HK$400,000 to HK$499,999
Repayment period at least 12 months + loam amount from HK$250,000 to HK$399,999
Repayment period at least 12 months + loam amount from HK$110,000 to HK$249,999
Repayment period at least 12 months + loam amount from HK$90,000 to HK$109,999
Repayment period at least 12 months + loam amount from HK$70,000 to HK$89,999
Repayment period at least 12 months + loam amount from HK$50,000 to HK$69,999
- The promotion period of the Limited Time Cash Reward (including cash reward for opening of e-Cash Revolving Loan Account and cash reward for drawdown of personal instalment loan) offered by United Asia Finance Limited (the “Company”) is from 1 January 2024 to 30 April 2024, both dates inclusive (the “Promotion Period”).
- New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward (the “Eligible Customers”).
- Cash Reward Offer is subject to terms and conditions. For details, please click here.
[UA rewards you the Best-in-town offer!]
* Up to HK$200 Cash reward upon successful e-Cash Revolving Loan Account opening
Gift Options
*New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
*Cash Reward Offer is subject to terms and conditions. For details, please click here.
*New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:
*The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account
*New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan
- Limited time Cash reward offer is subject to terms and conditions. For details, please click here.
- As of October 2023, UA’s cash reward is the highest among the major financial companies in Hong Kong
New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:
The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account
New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan
Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-12:30pm) and except to Sunday & public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.United Asia Finance Limited reserves the right to make final decision on loan approval
United Asia Finance Limited reserves the right to make final decision on loan approval
Warning: You have to repay your loans. Don't pay any intermediaries.
Enquiry and Complaint Hotline: 2681 8888
Money Lender’s Licence No.: 0931/2023
1. Hong Kong Identity Card
2. Recent income proof, e.g., payroll slip, tax demand note, monthly bank account statement/passbook with your salary or MPF statement
3. Employment proof
4. Current residential proof, e.g. utility bills, bank statement
UA "NO SHOW" Personal Loan
+ 2 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 9 other gift options
Valid until
30 April 2024
Valid until
30 April 2024
- Just leave contact information and our representative will complete the application for you all over the week
- No need to show up, no documents are required
- Same-day express approval, cash will be transferred to your designated account instantly via FPS
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more referrals!
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 7 days
Gift Options
- From 27 March 2024 6 p.m. to 30 April 2024, you can get extra Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2024, regardless of loan approval and drawdown
- Please refer to the Terms and Conditions for details
[UA rewards you the Best-in-town offer!]
- Cash Reward up to $18,000 for all new and existing customers! Offer valid until 30 April 2024, please refer to more details below.
- Up to an extra HK$17,800 Cash Reward upon successful Personal Instalment Loan drawdown with a repayment period of 12 months or above according to the amount of the personal instalment loan
- Up to HK$200 Cash reward upon successful e-Cash Revolving Loan Account opening
Gift Options
Repayment period at least 12 months + loan amount at least HK$800,000 and above
Repayment period at least 12 months + loam amount from HK$700,000 to HK$799,999
Repayment period at least 12 months + loam amount from HK$550,000 to HK$699,999
Repayment period at least 12 months + loam amount from HK$500,000 to HK$549,999
Repayment period at least 12 months + loam amount from HK$400,000 to HK$499,999
Repayment period at least 12 months + loam amount from HK$250,000 to HK$399,999
Repayment period at least 12 months + loam amount from HK$110,000 to HK$249,999
Repayment period at least 12 months + loam amount from HK$90,000 to HK$109,999
Repayment period at least 12 months + loam amount from HK$70,000 to HK$89,999
Repayment period at least 12 months + loam amount from HK$50,000 to HK$69,999
- The promotion period of the Limited Time Cash Reward (including cash reward for opening of e-Cash Revolving Loan Account and cash reward for drawdown of personal instalment loan) offered by United Asia Finance Limited (the “Company”) is from 1 January 2024 to 30 April 2024, both dates inclusive (the “Promotion Period”).
- New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward (the “Eligible Customers”).
- Cash Reward Offer is subject to terms and conditions. For details, please click here.
[UA rewards you the Best-in-town offer!]
* Up to HK$200 Cash reward upon successful e-Cash Revolving Loan Account opening
Gift Options
*New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
*Cash Reward Offer is subject to terms and conditions. For details, please click here.
*New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:
*The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account
*New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan
- Cash Reward Offer is subject to terms and conditions. For details, please click here.
As of Oct 2023, UA’s cash reward is the highest among the major financial companies in Hong Kong
New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
- New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:
- The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account
- New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan
- United Asia Finance Limited reserves the right to make final decision on loan approval
- Warning: You have to repay your loans. Don't pay any intermediaries.
- Enquiry and Complaint Hotline: 2681 8888
- Money Lender’s Licence No.: 0931/2023
1. Apply through hotline at 2681 8787
2. Provide personal information over the phone, no need to show up at any branches.
3. Confirm the acceptance of the loan via SMS.
N/A
(United Asia Finance Limited does not require customer (including new and existing customers) to provide document proof for the application of “NO SHOW” Personal Loan.)
Fubon Perfect Fit Personal Loan
+ 9 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
Valid until
30 September 2024
+ 3 other gift options
Valid until
30 April 2024
- Annualized Percentage Rate (“APR”) as low as 2.38%, monthly interest rate as low as 0.1068%
- HK$0 handling fee
- Loan amount up to 12 times of monthly salary or a maximum of HK$2,000,000 (whichever is lower)
- Tenor up to 60 months
- Follow up by our specialist. Receive your preliminary approval result in as fast as 30 minutes. Same day loan disbursement upon the receipt of final approval result
- [Smart Rate] APR 2.38% calculated based on a monthly flat rate of 0.1068%, loan amount of HK$1,500,000 and repayment period of 12 months. The actual APR may vary for individual customers and subject for final approval
Exclusive Offer: From 21 March 2024, 12 p.m. till 30 April 2024, 6 p.m., successfully apply and complete drawdown within 1 month after application of the loan amount via MoneyHero using the promocode 「MHRL03」 with a tenor of 12 months or above to enjoy up to HK$10,000 Apple Store Gift Card OR Wellcome Shopping Voucher
Gift Options
Loan amount HK$1,000,000 or above
Loan amount from HK$600,000 to HK$999,999
Loan amount from HK$300,000 to HK$599,999
Loan amount from HK$150,000 to HK$299,999
Loan amount from HK$50,000 to HK$149,999
How to redeem MoneyHero exclusive offer?
- Customers are required to enter in email address when applying loan through MoneyHero official website, then MoneyHero will send a reward redemption form via email for customers to fill in.
Eligible customers should complete the reward redemption form by filling in the required information as below and submit to MoneyHero within 7 days for verification:- loan application number (which is the reference number provided on the webpage after loan application is submitted to Fubon Bank via online); and contact details
The redemption process may take at least 16 weeks starting from the date on which the eligibility is confirmed by Fubon Bank, depending on the actual situation regarding user approval or other factors that may affect eligibility for the Promotion Reward, redemption letter will be sent by email.
Eligible Customers are required to reach out to support@moneyhero.com.hk along with their name of loan applied, date of application, to request for a MoneyHero Reward Redemption Form if they did not receive one.
- Tips:
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Terms and conditions apply.
[MoneyHero Limited Time Exclusive Offer] - HK$800 Apple Store Gift Card / Wellcome Shopping Voucher
From 21 March 2024, 12 p.m. till 30 April 2024, 6 p.m., apply Fubon Perfect Fit Personal Loan via MoneyHero and upload the required documents (including ID Card, Income Proof and Address Proof) to the Bank during application, enter the promo code「MHRL03」 to get extra HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application, regardless of loan amount and whether the application is approved or not.
Gift Options
- For more details about the promotion, please see Terms and Conditions
* Online Application Offer: HK$300 Supermarket Cash Coupon
Gift Options
- For more details of promotion offer, please refer to : More Info - Terms and Conditions
Fubon Bank Offers - Enjoy up to HK$4,800 Cash Rewards
* Loan Drawdown: Up to HK$4,800 Supermarket Cash Coupon
Successful loan drawdown with 36 months tenor or above can receive supermarket cash coupon.
Gift Options
Loan amount HK$1,000,000 or above
Loan amount from HK$500,000 to HK$999,999
Loan amount from HK$200,000 to HK$499,999
Loan amount from HK$100,000 to HK$199,999
- For more details of promotion offer, please refer to : More Info - Terms and Conditions
- Customers who submit application of the Fubon Perfect Fit Personal Loan and successfully drawdown with loan amount HK$100,000 or above and tenor of 36 months or above on or before 30 April 2024 will be entitled up to HK$4,800 supermarket coupons (“Cash Coupon(s)”). Besides, customers who apply via Fubon Bank’s website or Fubon GO Mobile App and drawdown the loan will be entitled extra supermarket cash coupon of HK$300. Cash Coupon(s) redemption letter will be mailed to customer's correspondent address within 1 month after successful drawdown. If the Cash Coupon(s) are out of stock, Fubon Bank (Hong Kong) Limited (the “Bank”) has the sole discretion to offer a different coupon as replacement. Cash Coupon(s) are not exchangeable with cash. The use of Cash Coupon(s) shall be subject to the terms and conditions stated on the Cash Coupons. Cash Coupon(s) are provided by respective merchant and the Bank makes no representation or guarantee as to the quality and availability of the products, services, or information provided by the merchant. The Bank shall not be liable for any matters arising from or in connection with the products, services, or information provided by the merchant.
- Personalized interest rate offered is determined based on customers’ credit quality and the personal information submitted. The actual APR may vary for individual customers and subject for final approval. The APR ranges from 2.38% to 33.02%, with repayment period of 12 to 60 months. The above APR, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate of the loan.
- Customer has to submit the required personal information and/or all necessary documents to Fubon Bank (Hong Kong) Limited (the “Bank”) for final approval after the preliminary approved result has been obtained. Final approval of the application will be subject to the Bank’s decision upon collection of the necessary documents. The Bank reserves the final decision to disapprove any application and determine the approved loan amount.
- Customer has to submit the required personal information and/or all necessary documents to Fubon Bank (Hong Kong) Limited (the “Bank”) for final approval after the preliminary approved result has been obtained. Final approval of the application will be subject to the Bank’s decision upon collection of the necessary documents. The Bank reserves the final decision to disapprove any application and determine the approved loan amount.
- The Bank will disburse full loan amount directly to the customer’s designated bank account within 4 -7 working days after successful approval. The corresponding confirmation letter will be mailed to customer. The designated bank (except the Bank) may impose a service charge on the customer's designated bank account for the remittance.
- The Bank reserves the right to offer other interest rates, loan tenors or personal loan plans subject to the approval result of each customer.
- The Bank reserves the right to suspend, vary or cancel the promotion offer and amend the relevant terms and conditions any time without prior notice. In case of disputes, the decision of the Bank is final and conclusive.
- Terms and conditions apply. For details, please visit Fubon Bank website
- To borrow or not to borrow? Borrow only if you can repay!
1. Click "Apply Now".
2. Press "Apply for Personal Loan".
3. Select "Perfect Fit Personal Loan".
4. Submit application and wait for approval.
1. HKID
2. Mobile phone number
3. Residential or mailing address proof
WeLend Card Debt Consolidation Loan
+ 2 other gift options
Valid until
30 April 2024
+ 6 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
- Enjoy Cash Reward up to HK$19,000 upon successfully draw down
- Laon amount of up to 24x monthly salary
- Save up to 90% interest; repay credit card debts faster and boost your credit score instantly.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
From 4 October 2023 to 30 April 2024 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$19,000 cash reward.
Gift Options
Repayment period at least 24 months + loan amount from HK$800,001 or above
Repayment period at least 24 months + loan amount from HK$600,001 to HK$800,000
Repayment period at least 24 months + loan amount from HK$500,001 to HK$600,000
Repayment period at least 24 months + loan amount from HK$400,001 to HK$500,000
Repayment period at least 24 months + loan amount from HK$300,001 to HK$400,000
Repayment period at least 24 months + loan amount from HK$200,001 to HK$300,000
Repayment period at least 24 months + loan amount from HK$100,001 to HK$200,000
- For more details about the promotion, please see Terms and Conditions
- The Cash Rebate amount will be credited by WeLend to eligible customers’ loan account directly on or before the fourth instalment due date for repayment.
Gift Options
[MoneyHero Exclusive Offer] HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 7 March 2024 6 p.m. to 30 April 2024, new customers who apply WeLend Personal Loan via MoneyHero can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result.
- For more details about the promotion, please see Terms and Conditions
- 90% interest savings is calculated using annual percentage rate 36% with minimum monthly payment 1%.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records. WELEND LIMITED reserves its absolute right to any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don't pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0958/2023
Fubon Balance Transfer Personal Loan
+ 9 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
Valid until
30 September 2024
+ 5 other gift options
Valid until
30 September 2024
- 1-on-1 loan service consultation. Providing customized repayment plan to well suit your needs
- Annualized Percentage Rate as low as (“APR”) 3.88% (monthly flat rate as low as 0.173%) calculated based on loan amount HK$1,500,000 and 12-month tenor, interest rate offered is determined based on customers’ credit quality and the personal information submitted.
- Settle your consolidated debts and interests in one go! Save interest fee by up to 94%
- Loan amount up to 23 times of monthly salary or a maximum of HK$2,000,000 (whichever is lower)
- Cash amount up to 10 times of monthly salary can be directly credited to your designated bank account
- Tenor up to 72 months for your selection
- HK$0 Handling fee
Apply for the loan on Fubon Bank website or Fubon GO Mobile App to enjoy up to HK$12,000 Apple Store Gift Card OR Wellcome Shopping Voucher
Gift Options
Loan amount HK$1,500,000 and above
Loan amount from HK$800,000 to HK$1,499,999
Loan amount from HK$500,000 to HK$799,999
Loan amount from HK$300,000 to HK$499,999
Loan amount from HK$150,000 to HK$299,999
How to redeem MoneyHero exclusive offer?
- Customers are required to enter in email address when applying loan through MoneyHero official website, then MoneyHero will send a reward redemption form via email for customers to fill in.
Eligible customers should complete the reward redemption form by filling in the required information as below and submit to MoneyHero within 7 days for verification:- loan application number (which is the reference number provided on the webpage after loan application is submitted to Fubon Bank via online); and contact details
The redemption process may take at least 16 weeks starting from the date on which the eligibility is confirmed by Fubon Bank, depending on the actual situation regarding user approval or other factors that may affect eligibility for the Promotion Reward, redemption letter will be sent by email.
Eligible Customers are required to reach out to support@moneyhero.com.hk along with their name of loan applied, date of application, to request for a MoneyHero Reward Redemption Form if they did not receive one.
- Tips:
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Terms and conditions apply.
From 5 March 2024 06:00 p.m. to 30 April 2024 06:00 p.m., after submitting the “Fubon Bank contact form“ via MoneyHero, Fubon customer service manager will contact you and complete the initial telephone application with you. Upon successful application and regardless the loan result, you will be entitle for a HK$800 Apple Gift Card or Wellcome voucher. (Don’t forget to claim you would like to enjoy MoneyHero limited-time offer via phone application.)
Gift Options
* Online Application Offer: HK$300 Supermarket Cash Coupon
Gift Options
- For more details of promotion offer, please refer to : More Info - Terms and Conditions
* Successfully applied online and draw down the loan: HK$300 Supermarket Cash Coupon
* Successfully draw down the loan with 12 months tenor or above can receive up to HK$18,500 Supermarket Cash Coupon
Gift Options
Loan amount HK$1,800,000 or above
Loan amount From HK$1,200,000 to HK$1,799,999
Loan amount From HK$800,000 to HK$1,199,999
Loan amount From HK$500,000 to HK$799,999
Loan amount From HK$200,000 to HK$499,999
Loan amount From HK$100,000 to HK$199,999
- For more details of promotion offer, please refer to : More Info - Terms and Conditions
* Saving debts consolidation: It assumes that monthly repayment for credit card is all interest, fees and charges (including the current finance charge); plus 1% of the remaining outstanding balance of transactions; plus any amount exceeding the available credit limit and the minimum amount from the previous month which remains unpaid (Minimum aggregate amount of all items is HK$200), repayment period is 503 months and interest rate is 32% per annum (Annualized percentage rate of 35.7%, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate). The above monthly repayment amount is calculated by taking the average of the first 6-month repayment amount.
* Assuming that credit card outstanding as mentioned in the above example is transferred to Fubon "Balance Transfer Personal Loan" and 60-month tenor is chosen, loan amount is HK$500,000. Monthly flat rate is also assumed to be 0.2759% (Annualized percentage rate of 6.38%, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate of the loan).
* Customers have to submit the required personal information and/or all necessary documents to Fubon Bank (Hong Kong) Limited (the “Bank”) for final approval after the preliminary approved result has been obtained. Final approval of the application will be subject to the Bank’s decision upon collection of the necessary documents. The Bank reserves the final decision to disapprove any application and determine the approved loan amount.
* Cash amount for customer usage will be credited to the customer's designated bank account. The designated bank (except the Bank) may impose a remittance charge on the customer's designated bank account for such transfer. For the balance transfer, the Bank, on behalf of the customer, shall use the final approved loan amount to settle the outstanding balance of the customer's designated credit card and personal loan. In any circumstances, the Bank shall not be liable for any interest and/or charges imposed by other banks or financial institutions as a result of the customer's application of Fubon Balance Transfer Personal Loan. The Bank also has final discretion in determining the loan drawdown method. The relevant loan confirmation letter will be sent to customers by mail.
* Customers are required to provide Telephone Banking Identification Number (“TIN”) for customer identity authentication when performing enquiry of the new personal loan account via the Fubon Bank Integrated Customer Service Hotline after successful approval of the loan. Please visit any Fubon Bank branches in person to apply if you do not have a TIN after loan drawdown. TIN will then be sent to you by mail.
* The Bank reserves the right to offer other interest rates, loan tenors or personal loan plans subject to the approval result of each customer.
* The Bank reserves the right to suspend, vary or cancel the promotion offer and amend the relevant terms and conditions at any time without prior notice. In case of disputes, the decision of the Bank is final and conclusive.
Terms and conditions apply. For details, please visit Fubon Bank website
* To borrow or not to borrow? Borrow only if you can repay!
1. Click "Apply Now" via Fubon online platform.
2. Press "Apply for Personal Loan".
3. Select "Balance Transfer Personal Loan".
4. Submit application and wait for approval.
1. HKID
2. Mobile phone number
3. Residential or mailing address proof
AEON Flexi Personal Loan Scheme
+ 2 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
31 May 2024
+ 6 other gift options
Valid until
30 September 2024
Valid until
30 September 2024
- Maximum loan amount can be 12 times of your monthly salary or HK$1,000,000 (whichever is lower)
- No handling fee
- Flexible repayment period ranging from 6 months to 60 months
- Monthly flat rate as low as 0.2% (APR 4.49%) (Only applicable to loan amount of HK$600,000 or above)
- The approved amount will be transferred to your designated account instantly via Faster Payment System (FPS) 24/7
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Remember to click here to fill out the reward form within 7 days after application
Gift Options
- From 2 January 2024 12 noon to 31 May 2024, apply the specific AEON loan and submit the MoneyHero Reward Redemption Form within a specific period to receive the following rewards no matter the approval result and drawdown amount:
- HK$800 Apple Store Gift card / Wellcome coupon
- For details, please see the terms and conditions
From 1 March 2024 till 30 September 2024, upon successful application and drawdown of the AEON Loan will be eligible to receive up to HK$12,000 cash rebate
Gift Options
Loan amount HK$600,000 and above + repayment period at least 24 months or above
Loan amount from HK$400,000 to HK$599,999 + repayment period at least 24 months or above
Loan amount HK$300,000 and above + repayment period at least 12 months or above
Loan amount from HK$200,000 to HK$299,999 + repayment period at least 12 months or above
Loan amount from HK$100,000 to HK$199,999 + repayment period at least 12 months or above
Loan amount from HK$50,000 to HK$99,999 + repayment period at least 12 months or above
Loan amount from HK$30,000 to HK$49,999 + repayment period at least 12 months or above
- Eligible Customer must maintain a valid AEON credit card in good status during Promotion Period (which must be the principal card held by the Eligible Customer) and is required to log on to “AEON HK” mobile app and register for the Promotion during the registration period in order to enjoy the Cash Rebate under the Promotion.
The Cash Rebate will be credited to the relevant account of credit cards/ co-brand credit cards issued by AEON Credit Service (Asia) Co., Ltd (“AEON”)
- Terms and Conditions apply, subject to AEON's website. For the latest details, please refer to AEON's website.
From 1 March 2024 till 30 September 2024, upon successful application and drawdown of the AEON Loan new customers will get an extra HK$500 Cash Rebate Offer
Gift Options
- Eligible Customer must maintain a valid AEON credit card in good status during Promotion Period (which must be the principal card held by the Eligible Customer) and is required to log on to “AEON HK” mobile app and register for the Promotion during the registration period in order to enjoy the Cash Rebate under the Promotion.
The Cash Rebate will be credited to the relevant account of credit cards/ co-brand credit cards issued by AEON Credit Service (Asia) Co., Ltd (“AEON”)
- This Promotion is only applicable to new customers who do not hold a valid AEON Personal Loan, AEON Tax loan or Restructure Loan on the day of the Loan Confirmation Period.
- This Promotion is not applicable to existing customers who refinances AEON Personal Loan.
- Terms and Conditions apply, subject to AEON's website. For the latest details, please refer to AEON's website.
- The above information is for reference only.
- The applicant’s credit records and financial status may affect the final approval result and the terms of the loan (including but not limited to loan amount, interest rate and tenor). The decision of AEON shall be final.
- Subject to Terms & Conditions.
- Warning: You have to repay your loans. Don't pay any intermediaries
- Enquiry and Complaint Hotline: 2895 6262
- Money Lender’s Licence No.: 1738/2023
1. Click "Apply Now", and go to AEON's dedicated website.
2. Fill out an application and submit the required documents.
3. AEON will preview information provided and consider the credit report.
4. Confirm the loan.
5. Upon successful application and loan drawdown, the approved amount will be transferred to your designated account via Faster Payment System (FPS) 24/7
1. Hong Kong Identity Card
2. Address proof
3. Bank account information
4. Income proof document (latest 3-month bank statement / passbook, tax demand note, payroll advice)
DBS Personal Instalment Loan
+ 2 other gift options
Valid until
30 April 2024
+ 19 other gift options
Valid until
31 May 2024
+ 5 other gift options
Valid until
30 April 2024
Valid until
30 April 2024
- Annualised Percentage Rate as low as 2.20%; APR includes the handling fee 2%
- Handling fee refers to the loan setup fee. The Loan Set Up Fee is 2% of the loan amount. The Loan Set Up Fee shall be calculated by reference to the principal amount of the loan at the rate specified by the Bank from time to time and shall be deducted from the loan principal amount upon drawdown of the loan and is non-refundable.
- Loan amount up to HK$2,000,000 or 20x monthly salary (whichever is lower), flexible repayment period of up to 60 months
- No income proof is required
- Anytime to redraw your repaid principal
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
The customer is entitled to reward an up to HK$10,800 exclusive supermarket coupon or Apple Gift Card upon the following requirements are satisfied
Gift Options
HK$1,500,000 and above
From HK$1,000,000 to HK$1,499,999
From HK$500,000 to HK$999,999
From HK$300,000 to HK$499,999
From HK$100,000 to HK$299,999
- Successfully apply for the Loan via MoneyHero;
- From 1 April 2024 to 31 May 2024: successfully apply for the Loan;
- On or before 21 June 2024: draw down the approved Loan;
- Terms and Conditions apply
Gift Options
From 42 months To 60 months + eligible loan range HK$1,000,000 above
From 42 months To 60 months + eligible loan range from HK$500,000 To HK$999,999
From 42 months To 60 months + eligible loan range from HK$300,000 To HK$499,999
From 12 months To 36 months + eligible loan range HK$1,000,000 above
From 12 months To 36 months + eligible loan range from HK$300,000 To HK$999,999
From 12 months To 60 months + eligible loan range from HK$100,000 To HK$299,999
- Successfully applied for the loan via DBS website or DBS Card+ Smart Phone App
- From 1 April 2024 till 30 April 2024 (Promotion Period), successfully applied for the loan within the promotion period;
- Successfully drawdown the loan on or before 22 May 2024;
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
- The Extra Award will be awarded to the eligible customers via the red “InstaRedeem” button of DBS Card+ upon eligible customers spend with the Applicable Credit Card (as defined in Clause 10a) issued by the Bank during 1 September 2024 to 28 February 2025 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+. Customers can use the Extra Award received to set off the amount payable for that transaction via the “InstaRedeem” function of DBS Card+.
- To receive the Extra Award, customers must:
hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Private Label Cards and Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 31 July 2024. For customer who holds more than one valid principal credit card issued by the Bank on 31 July 2024, his/her Applicable Credit Card is by default based on the following priority:
Earn HK$300 "InstaRedeem" by fulfilling the following requirements:
Gift Options
From 12 months To 60 months + eligible loan range HK$100,000 above
- Successfully applied for the loan via DBS website or DBS Card+ Smart Phone App;
- From 1 April 2024 till 30 April 2024 (Promotion Period), successfully applied for the loan within the promotion period;
- Successfully drawdown the loan on or before 22 May 2024;
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
- The Extra Award will be awarded to the eligible customers via the red “InstaRedeem” button of DBS Card+ upon eligible customers spend with the Applicable Credit Card (as defined in Clause 10a) issued by the Bank during 1 September 2024 to 28 February 2025 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+. Customers can use the Extra Award received to set off the amount payable for that transaction via the “InstaRedeem” function of DBS Card+.
- To receive the Extra Award, customers must:
hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Private Label Cards and Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 31 July 2024. For customer who holds more than one valid principal credit card issued by the Bank on 31 July 2024, his/her Applicable Credit Card is by default based on the following priority:
- Minimum salary requirement: fixed annual income of HK$80,000 or above
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
- The Extra Award will be awarded to the eligible customers via the red “InstaRedeem” button of DBS Card+ upon eligible customers spend with the Applicable Credit Card (as defined in Clause 10a) issued by the Bank during 1 September 2024 to 28 February 2025 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+. Customers can use the Extra Award received to set off the amount payable for that transaction via the “InstaRedeem” function of DBS Card+.
- To receive the Extra Award, customers must:
hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Private Label Cards and Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 31 July 2024. For customer who holds more than one valid principal credit card issued by the Bank on 31 July 2024, his/her Applicable Credit Card is by default based on the following priority: - The Reward is only applicable to eligible customer whose loan account is in good standing and not in default (as determined by DBS at its sole discretion)
- Existing customers refer to the customer who has any principal credit cards (including co-branded cards) and/or personal loan products with DBS Bank on the date of application
- APR as low as 2.20%: The APR of 2.20% is calculated based on the loan amount of HK$2,000,000, a monthly flat rate of 0.01%, and instalment period of 24 months, including a Loan Set Up Fee of 2%.
- Rewards are subject to Terms and Conditions, please refer to DBS website for details
- The Annualized Percentage Rate (“APR”) is calculated in accordance with the guideline issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable
- The monthly flat rate here is for reference only. The interest rate applicable to a customer is subject to his/her financial condition and is solely determined by DBS. Terms and conditions apply. For details, please visit DBS website
- Relevant fee applies if a customer early pays off the Loan. For details, please refer to the Personal Instalment Loan Terms and Conditions.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply online or by phone
2. Verify your personal details and declare your financial liabilities
3. Credit check
4. Select a loan plan
5. Select disbursement details
6. Disburse the loan
1. HKID card
2. Latest 3 months’ income proof
3. Address proof (issue date within 6 months)
4. Practicing certificate issued by relevant association, if you are a professional (e.g. medical doctor, accountant, lawyer or engineer)
5. Banking statement / passbook showing your name and account number
DBS Debt Consolidation Loan
+ 2 other gift options
Valid until
30 April 2024
+ 7 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 4 other gift options
Valid until
30 April 2024
Valid until
30 April 2024
- Monthly flat rate as low as 0.11% (Annualised percentage rate: 6.38%)
- The Loan Set Up Fee is 2% of the loan amount. The Loan Set Up Fee shall be calculated by reference to the principal amount of the loan at the rate specified by the Bank from time to time and shall be deducted from the loan principal amount upon drawdown of the loan and is non-refundable
- High loan amount up to HK$2,000,000 or 21x monthly salary (whichever is lower)
- Flexible repayment period of up to 84 months
- Reduce interest expense by up to 93%
- No income proof is required
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
MoneyHero Exclusive Offer for New Customers
Customer is entitled to a reward HK$11,000 exclusive supermarket coupon or Apple Store Gift Card upon the following requirements are satisfied
Gift Options
Eligible Loan Range HK$1,000,000 above
Eligible Loan Range From HK$700,000 To HK$999,999
Eligible Loan Range From HK$300,000 To HK$699,999
Eligible Loan Range From HK$100,000 To HK$299,999
- Successfully apply for the Loan via MoneyHero ;
- From 1 April 2024 to 30 April 2024: successfully apply for the Loan;
- On or before 22 May 2024: draw down the approved Loan;
- Terms and Conditions apply
[MoneyHero Exclusive Offer] - Time-limited HK$1,000 Apple Store Gift Card / Wellcome Shopping Voucher
- From 1 April 2024 12 noon to 30 April 2024 6 p.m., you can get extra HK$1,000 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 10 May 2024, regardless of loan approval and drawdown
Gift Options
- For more details about the promotion, please see Terms and Conditions
Gift Options
Eligible Loan HK$1,500,000 above
Eligible Loan From HK$1,000,000 To HK$1,499,999
Eligible Loan From HK$700,000 To HK$999,999
Eligible Loan From HK$300,000 To HK$699,999
Eligible Loan From HK$100,000 To HK$299,999
- Successfully apply via DBS website or DBS Card+ Apps
- From 1 April 2024 to 30 April 2024 (Promotion Period): Successfully apply DBS Debt Consolidation Loan
- On or before 22 May 2024: Successfully drawdown the loan
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotional Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
Gift Options
Eligible Loan HK$100,000 above
- Successfully apply via MoneyHero
- From 1 April 2024 to 30 April 2024 (Promotion Period): Successfully apply DBS Debt Consolidation Loan
- On or before 22 May 2024: Successfully drawdown the loan
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotional Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
* Coupons are only applicable to customers whose Loan accounts are in good standing and not in default (as determined by the Bank at its sole discretion)
* APR is calculated in accordance with the guideline issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable
* Terms and conditions apply. For details, please visit DBS website
* The above information is for reference only, the final approved interest rate, loan amount and instalment period are subject to the financial condition of customers.
* To borrow or not to borrow? Borrow only if you can repay!
*Relevant fee applies if a customer early pays off the Loan. For details, please refer to the Personal Instalment Loan Terms and Conditions.
1. Apply online or by phone
2. Fill in personal and employment information
3. Confirm the information
4. Wait for the approval result
5. Disburse the loan
1. HKID card
2. Latest 3 months’ income proof
3. Address proof (issue date within 6 months)
4. Practicing certificate issued by relevant association, if you are a professional (e.g. medical doctor, accountant, lawyer or engineer)
5. Banking statement / passbook showing your name and account number
CCB (Asia) Personal Instalment Loan
+ 1 other gift options
Valid until
24 May 2024
+ 1 other gift options
Valid until
24 May 2024
+ 4 other gift options
Valid until
24 May 2024
+ 1 other gift options
Valid until
24 May 2024
- Monthly flat rate as low as 0.083%, APR as low as 1.85%
- Income proof and address proof waiver for applying loan amount up to HK$100,000
- Handling fee wavier
- Loan amount up to HK$3,000,000 or 12 times of monthly salary (whichever is lower)
From 20 November 2023 6 p.m. to 24 May 2024 (both dates inclusive), a customer is entitled to HK$3,000 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application of the designated personal loan
Gift Options
- For details, please see Terms and Conditions.
From 20 November 2023 6 p.m. to 24 May 2024, you can get extra HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 24 May 2024, regardless of loan approval and drawdown
Gift Options
- For more details, please see the Terms and Conditions
Limited Offer - Enjoy up to HK$8,000 Cash Rebate for successful application
- From 27 March 2024 to 24 May 2024, enjoy up to HK$8,000 cash rebate for success Personal Instalment Loan application with required documents, details as below:
Gift Options
only 24 months + from HK$100,001 to HK$399,999
only 24 months + from HK$400,000 to HK$3,000,000
at least 36 month(s) + from HK$100,001 to HK$299,999
at least 36 months + from HK$400,000 to HK$2,999,999
at least 36 months + HK$3,000,000
- Promotion period: From 27 March 2024 to 24 May 2024
- Successfully apply for the CCB (Asia) Personal Instalment Loan and submit all the required documents
Gift Options
Limited Offer
- From 27 March 2024 till 24 May 2024, customers who successfully applied for CCB (Asia) Personal Instalment Loan or CCB (Asia) “Low Interest” Balance Transfer Program and submitted all of the related documents via the CCB (Asia)
Mobile App are entitled to an additional HK$1,500 Cash Rebate; customers can also enjoy HK$500 Cash Rebate if apply via online.
- The Annualized Percentage Rate (“APR”) 1.85% is calculated based on 12 months repayment period and loan amount of HK$3,000,000 with monthly flat rate of 0.083%
- The APR is calculated according to the standard of Hong Kong Association of Banks and rounded to two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate. Interest is charged daily and calculated on the basis of 365 days per year
- For Personal Installment Loan amount of HK$100,000 with 12 months repayment period, the monthly flat rate is 0.27% (APR 6.11%), and the total loan repayment amount is HK$103,248 (handling fee is waived). The above example is for reference only. The loan application and terms of the loan are subject to the Bank's approval. The actual APR may vary for individual customer and the final interest rate will be subject to credit condition of the customer
- The above interest rate offer is applicable to the good credit rating customers, China Construction Bank (Asia) Corporation Limited will counter offer another interest rate offer to the fair credit rating customers upon loan approval. Please contact the staff for details. China Construction Bank (Asia) Corporation Limited reserves the right of final decision on the interest rate and approval result
- To borrow or not to borrow? Borrow only if you can repay!
Mox Instant Loan
+ 5 other gift options
Valid until
30 April 2024
+ 3 other gift options
Valid until
30 April 2024
- For Instant Loan of HK$100,000 into 60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 6.93% and interest is calculated on the basis of a 365-day year
- 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
- Pay taxes using "Split Purchase"
- You can split a single or multiple 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
- Earn unlimited CashBack on your spending with Mox Credit
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 14 days
Gift Options
MoneyHero Limited-Time Exclusive Offer
- Open a Mox Account successfully with the invitation code "MHMOX1200" and successfully apply for Mox Credit via MoneyHero, you can enjoy Delsey ECLIPSE SE 31" Expandable Front Opening Suitcase(Valued at HK$4280; random colour) / Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) / BRUNO BOE065-PPK Multi Grill Pot (HK$1,098; random color) / HK$1,000 Apple Gift Card OR Trip.com Gift Card
- From 22 April 2024 6 p.m. to 30 April 2024 6 p.m.: New Mox customers who successfully apply for Mox Credit via MoneyHero
- Within 14 days of after receiving the successful application email from Mox when your Mox Credit approved: Submit the reward redemption form sent via email previously
- On or before 31 May 2024: The Mox account and Mox Credit must be approved by Mox, subject to the Bank’s system records
- Tips:
- Please submit the reward redemption form sent via email previously within 14 days of after receiving the successful application email.
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Remember to have your cell phone and Hong Kong Identity Card ready before applying! It is recommended to submit all the required documents in one go to speed up the approval process.. After successfully submitting the application and opening the Mox account as well as Mox Credit, you will receive an email notice with application reference number (7-digits) in 14 working days. Please be reminded to enter the Invitation Code to get the application reference number, if you don't receive the email, please check your spam folder.
- MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Mox has no relation with its redemption, usage and dispute.
- Terms and Conditions Apply.
Tax loan offer: Enjoy up to HK$8,888 Cash Reward
From 21 March 2024 until 30 April 2024, you can enjoy up to HK$8,888 Cash Reward when you successfully apply for our designed Instant Loan below:
Gift Options
From 49 months or above + from HK$750,000 or above
From 36 months to 48 months + from HK$750,000 or above
From 49 months or above + from HK$250,000 to HK$749,999
From 36 months to 48 months + from HK$250,000 to HK$749,999
- Cash rewards will be credited to your Mox Account on or before 30 June 2024.
- Instant Loan Cash Reward Promotion Terms and Conditions apply
- * 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$750,000 spilt into 49 monthly instalments, the annualised Percentage Rate (APR) is as low as 1.98% (which this includes the cash reward of HK$8,888 which will be credited to your Mox Account on or before 30 June 2024), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 2.57%. 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 Statement and Schedule 3 to the General Terms and Conditions on 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!
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.
1. HKID
2. Mobile phone number
3. Residential or mailing address proof
Standard Chartered Debt Consolidation Program
+ 2 other gift options
Valid until
30 April 2024
+ 8 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 5 other gift options
Valid until
31 May 2024
Valid until
31 May 2024
Valid until
31 May 2024
- Maximum loan amount of up to 24X monthly salary or HK$2,000,000 (whichever is lower);
- Max Loan Repayment Tenure: 84 months; 0% handling fee
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
From 16 April 2024 6 p.m. to 30 April 2024 6 p.m. customers who have successfully applied for and approved a loan of HK$200,000 or above and draw down the loan within 3 months can enjoy the following exclusive offers
Gift Options
Loan amount HK$800,000 and above
Loan amount from HK$300,000 to HK$799,999
Loan amount from HK$200,000 to HK$299,999
Remember to prepare your mobile phone and Hong Kong ID card before applying! The application process will require you to enter a mobile phone verification code. To successfully apply through MoneyHero and receive exclusive rewards, you must successfully complete this step! After completing the application, remember to copy down the application reference number so that you can check the application progress at any time and receive exclusive MoneyHero offers.
- Note down your application reference number shown on the application completion page ("Thank you" Page) for reference (e.g. HKxxxxxxxxxxxxxx)
- Within 7 days of loan approval date, please send (1) the name of the applied product, (2) application date and (3) screenshot of Loan withdrawal confirmation SMS, E-mail to support@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.
- Detailed steps: How to redeem exclusive rewards from MoneyHero?
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
- For more details about the promotion, please see Terms and Conditions
From 2 April 2024 12 noon to 30 April 2024 6 p.m., you can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) OR HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2024, regardless of loan amount, approval or drawdown
Gift Options
- For more details about the promotion, please see Terms and Conditions
Up to HK$20,000 Cash Rebate
Gift Options
Loan amount HK$1,500,000 or above
Loan amount from HK$1,000,000 to HK$1,499,999
Loan amount from HK$700,000 to HK$999,999
Loan amount from HK$500,000 to HK$699,999
Loan amount from HK$200,000 to HK$499,999
Loan amount from HK$50,000 to HK$199,999
- From 1 March 2024 to 31 May 2024, a client who successfully applied and drawdown the loan online is entitled to enjoy up to HK$20,000 Cash Rebate, an extra HK$1,000 cash rebate for a New client and SCB auto payroll customer whose loan tenor is 36 months or above.
A new client refers to a person who does not currently hold any Standard Chartered Credit Card and/or any loans.
- Terms and Conditions apply.
Gift Options
【Standard Chartered Lucky Draw】
- From 1 March 2024 to 31 May 2024, clients who have
- successfully applied for a Personal Instalment Loan or Debt Consolidation Program online with Standard Chartered Bank (Hong Kong) Limited during the Promotion Period and
- drawn down within three months will be enrolled in the Lucky Draw automatically without further registration in accordance with these terms and conditions.
Number of Winners | Prize |
Total 6 winners (one round for each month & 2 winners per round) | 336,000 Asia Miles (Redemption Reference: Two Set of Europe Business Round Trip Ticket) |
- For more informations see Terms and Conditions
Extra HK$1,000 Cash Rebate (for new client and SCB auto payroll customer)
Gift Options
Loan amount HK$50,000 and above + repayment period at least 36 months
- From 1 March 2024 to 31 May 2024, an extra HK$1,000 cash rebate for a New client who successfully applied and drawdown the loan online and SCB auto payroll customer whose loan tenor is 36 months or above.
A new client refers to a person who does not currently hold any Standard Chartered Credit Card and/or any loans.
- The Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable)
- Standard Chartered Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.
- Eligibility: With fixed annual income of HK$96,000 or above; and Hong Kong permanent residents aged 20 or above
- The monthly flat rate shown above was rounded to 2 decimal places and for reference only.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
1. Hong Kong Permanent Identity Card
2. Latest residential address proof showing your name
3. For regular income earners, please enclose latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing name, account number and salary entries;
For irregular income earners, please enclose latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing name, account number and salary entries;
For self-employed applicants, please enclose a Business Registration Certificate AND latest Profits Tax Demand Note
Citi Card Debt Consolidation Loan
+ 2 other gift options
Valid until
30 April 2024
+ 12 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 15 other gift options
Valid until
30 April 2024
- Same-day approval and same-day loan disbursement
- Repayment term up to 72 months, HK$0 handling fee
- Loan amount of Citi Card Debt Consolidation Loans is up to 21 times of your monthly salary or HK$1,200,000, whichever is lower
- No hidden terms and conditions
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
[MoneyHero Exclusive Offer]
From 8 April 2024 12 noon to 30 April 2024 6 p.m., successfully apply for Citi Tax Season Loan or Citi Card Debt Consolidation Loan on MoneyHero , choose a repayment period of 12 months or above, and drawdown the loan within 1 month to enjoy the MoneyHeron exclusive offer
Gift Options
Loan amount HK$2,000,000 or above + repayment period at least 12 months
Loan amount from HK$800,000 to HK$1,999,999 + repayment period at least 12 months
Loan amount from HK$300,000 to HK$799,999 + repayment period at least 12 months
Loan amount from HK$200,000 to HK$299,999 + repayment period at least 12 months
Loan amount from HK$100,000 to HK$199,999 + repayment period at least 12 months
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Gift Options
[MoneyHero Exclusive Offer] Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR $1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 2 April 2024 12 noon to 30 April 2024 6 p.m., apply for the Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero as a new customer
- For more details about the promotion, please see Terms and Conditions
- Clients who successfully apply for Citi Tax Season Loan or Citi Speedy Cash Loan or Citi Card Debt Consolidation Loan from 1 January 2024 to 30 April 2024 and drawdown the loan on or before 14 May 2024 will be entitled to the following welcome offer
Gift Options
Repayment period at least 25 months + loan amount HK$1,500,000 or above
Repayment period at least 25 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period at least 25 months + loan amount from HK$400,000 to HK$799,999
Repayment period at least 25 months + loan amount from HK$100,000 to HK$399,999
Repayment period from 12 months to 24 months + loan amount HK$1,500,000 or above
Repayment period from 12 months to 24 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period from 12 months to 24 months + loan amount from HK$400,000 to HK$799,999
Repayment period from 12 months to 24 months + loan amount from HK$100,000 to HK$399,999
- The application of Citi Tax Season Loan or Citi Debt Consolidation Loan must be successfully applied on or before 30 April 2024.
The application date is subject to Citibank’s system records
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
For more details about the promotion, please see Terms and Conditions
- Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
- Each eligible customer can enjoy the Reward once during the promotion period
- The annualized percentage rate (“APR”) ranges from 8.64% to 35.78%, with repayment period of 6 to 72 months.
- The Annualized Percentage Rate ("APR") of as low as 8.64% is calculated based on the monthly flat rate 0.38% with loan amount of HK$1,200,000 and repayment tenor of 12 months.
The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HK$200,000 with 12 months repayment period, the monthly flat rate is 0.38% (APR 8.64%), and the total loan repayment amount is HK$1,254,720 (including full handling fee waiver). The above example is for reference only.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HK$200,000 with 12 months repayment period, the monthly flat rate is 0.38% (APR 8.64%), and the total loan repayment amount is HK$1,254,720 (including full handling fee waiver). The above example is for reference only.
- To borrow or not to borrow? Borrow only if you can repay!
1. Fill in the application form and submit it together with the required documents.
2. Wait for the loan approval result
3. Disburse the loan
1. Hong Kong Permanent Resident Identity Card
2. Income proof,
e.g. latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number)
3. Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
4. Latest residential address proof (e.g. electricity bill or bank statement)
5. Any other documents or certificates deemed appropriate.
K Cash Large Loan Amount Installment Loan
- More flexible repayment
- Our AI combines with big data to calculate accurate and reasonable quotes, with APRs as low as 10.26% and repayment terms as long as 60 months, to help you create the most comfortable and low-interest loan plan.
- Fully Automated Personal Loan Approval
- With a fully automated online system, you can get your loan approved in as fast as 15 minutes, with no hidden fees or charges.
- 7x24 cash at your fingertips
- Self-withdrawal, get cash instantly through ATMs all over Hong Kong
- Annual Percentage Rate ("APR"): 10.26% to 36%
- Repayment period: 12 to 60 months
- Loan Amount: HK$10,000 to HK$3,000,000
- Handling Fee: HK$0
* Up to 20% Loan interest rebate offer for K Cash Supreme's new customer (Terms & conditions “Chinese version only” apply. Please contact with K Cash customer service manager for details.)
* Each new customer can only be entitled to the loan interest rebate offer with the first large amount of personal loan, regardless of the number of successful applications during the promotion period.
* A new customer
- who hasn’t applied any application in any form in Konew Group within the past 24 months from the date of application; and
- does not have any valid loan account with Konew Group within the past 24 months
* The above examples are for reference only. The final interest rate available to customers will depend on their individual credit status and will vary. Please contact the Company for details of low-interest rate borrowing and loans.
* Warning: You have to repay your loans. Don't pay any intermediaries.
* Enquiry Hotline: 21111 211
* Complaint Hotline: 3185 8847
* K Cash Limited Money Lender’s Licence No.: 1561/2022
* K Cash Express Limited Money Lender’s Licence No.: 0975/2022
WeLend Personal Loan (Available for tax season)
+ 2 other gift options
Valid until
30 April 2024
+ 6 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
- Enjoy Cash Reward up to HK$19,000 upon successfully draw down
- Civil servants / professionals can enjoy interest rates as low as 1.88% APR.
- Loan amount of HK$500,000 or above can enjoy low interest rate as tax loans.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
From 4 October 2023 to 30 April 2024 (both dates inclusive), successfully apply and draw down a WeLend Personal loan through MoneyHero, could enjoy up to HK$19,000 cash reward.
Gift Options
Repayment period at least 24 months + loan amount from HK$800,001 or above
Repayment period at least 24 months + loan amount from HK$600,001 to HK$800,000
Repayment period at least 24 months + loan amount from HK$500,001 to HK$600,000
Repayment period at least 24 months + loan amount from HK$400,001 to HK$500,000
Repayment period at least 24 months + loan amount from HK$300,001 to HK$400,000
Repayment period at least 24 months + loan amount from HK$200,001 to HK$300,000
Repayment period at least 24 months + loan amount from HK$100,001 to HK$200,000
- For more details about the promotion, please see Terms and Conditions
- The Cash Rebate amount will be credited by WeLend to eligible customers’ loan account directly on or before the fourth instalment due date for repayment.
Gift Options
[MoneyHero Exclusive Offer] HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 7 March 2024 6 p.m. to 30 April 2024, new customers who apply WeLend Personal Loan via MoneyHero can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR HK$1,000 Apple Store Gift Card OR Wellcome Shopping Voucher no matter the application result.
- For more details about the promotion, please see Terms and Conditions
- A.I. chatbot provides immediate solutions 24/7.
- The loan will be transferred via Faster Payment System (FPS) after the loan is approved and the loan agreement is signed. Actual transfer time is subject to each individual bank's transfer service hours.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0958/2023
Fubon “EZ Cash” Personal Loan
+ 3 other gift options
Valid until
30 April 2024
Valid until
30 September 2024
+ 1 other gift options
Valid until
30 April 2024
- Accept all types of income proof: Applicable to all kinds of the latest 1-month income proof, including salary proof paid in cash
- APR as low as 2.88%, monthly interest rate as low as 0.1386%. Daily interest as low as HK$9.2
- HK$0 handling fee
- Loan amount up to 8 times of monthly salary or a maximum of HK$200,000 (whichever is lower)
- Repayment period of 6 to 48 months
- No early repayment fee
Gift Options
Loan amount HK$150,000 above
Loan Amount From HK$50,000 to HK$149,999
How to redeem MoneyHero exclusive offer?
- Customers are required to enter in email address when applying loan through MoneyHero official website, then MoneyHero will send a reward redemption form via email for customers to fill in.
Eligible customers should complete the reward redemption form by filling in the required information as below and submit to MoneyHero within 7 days for verification:- loan application number (which is the reference number provided on the webpage after loan application is submitted to Fubon Bank via online); and contact details
The redemption process may take at least 16 weeks starting from the date on which the eligibility is confirmed by Fubon Bank, depending on the actual situation regarding user approval or other factors that may affect eligibility for the Promotion Reward, redemption letter will be sent by email.
Eligible Customers are required to reach out to support@moneyhero.com.hk along with their name of loan applied, date of application, to request for a MoneyHero Reward Redemption Form if they did not receive one.
- Tips:
- Terms and Conditions apply.
* Online Application Offer: HK$300 Supermarket Cash Coupon
Gift Options
- For more details of promotion offer, please refer to : More Info - Terms and Conditions
Loan Drawdown: Up to HK$2,000 Supermarket Cash Coupon
Successful loan drawdown with 12 months tenor or above can receive supermarket cash coupon.
Gift Options
Repayment period Starting from 12 month + HK$180,000 and above
Loan amount From HK$80,000 to HK$179,999 + repayment period starting from 12 month
- For more details of promotion offer, please refer to : More Info - Terms and Conditions
- Personalized interest rate offered is determined based on customers’ credit quality and the personal information submitted. The actual APR may vary for individual customers and subject for final approval. The APR ranges from 2.88% to 34.10%, with repayment period of 6 to 48 months. The above APR, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate of the loan.
- Customer has to submit the required personal information and/or all necessary documents to Fubon Bank (Hong Kong) Limited (the “Bank”) for final approval after the preliminary approved result has been obtained. Final approval of the application will be subject to the Bank’s decision upon collection of the necessary documents. The Bank reserves the final decision to disapprove any application and determine the approved loan amount.
- Customer is required to provide Telephone Banking Identification Number (“TIN”) for customer identity authentication when performing enquiry of the new personal loan account via the Fubon Bank Integrated Customer Service Hotline after successful approval of the loan. Please visit any Fubon Bank branches in person to apply if you do not have a TIN after loan drawdown. TIN will then be sent to you by mail.
- The Bank will disburse full loan amount directly to the customer’s designated bank account within 4 -7 working days after successful approval. The corresponding confirmation letter will be mailed to customer. The designated bank (except the Bank) may impose a service charge on the customer's designated bank account for the remittance.
- The Bank reserves the right to offer other interest rates, loan tenors or personal loan plans subject to the approval result of each customer.
- The interest rates and repayment amounts are for reference only
- Terms and conditions apply. Please visit Fubon Bank website for details
- To borrow or not to borrow? Borrow only if you can repay!
-
Early repayment fee: No early repayment fee %
BOC Express Cash Instalment Loan
Valid until
02 July 2024
+ 11 other gift options
Valid until
02 July 2024
- APR as low as 1.85%
- Flexible repayment period from 6 months to 60 months
- Loan amount up to HK$4,000,000 or 18x of your monthly salary (whichever is lower)
- Monthly income of HK$6,000 or above
Gift Options
- An extra HK$500 cash rebate will be entitled by inputting a reference code “AH” on MoneyHero website. Successful application can earn up to HK$7,300 cash rebate (including MoneyHero exclusive cash rebate of extra HK$500).
Gift Options
Loan Amount HK$3,000,000 or above + repayment period 36 months or above
Loan Amount HK$3,000,000 or above + repayment period 24 months
Loan Amount from HK$1,500,000 to HK$2,999,999 + repayment period 36 months or above
Loan Amount from HK$1,500,000 to HK$2,999,999 + repayment period from 24 months
Loan Amount from HK$1,000,000 to HK$1,499,999 + repayment period 36 months or above
Loan Amount from HK$1,000,000 to HK$1,499,999 + repayment period 24 months
Loan Amount from HK$500,000 to HK$999,999 + repayment period 36 months
Loan Amount from HK$500,000 to HK$999,999 + repayment period 24 months
Loan Amount from HK$200,000 to HK$499,999 + repayment period 36 months or above
Loan Amount from HK$200,000 to HK$499,999 + repayment period 24 months
Loan Amount from HK$100,000 to HK$199,999 + repayment period 36 months or above
Loan Amount from HK$50,000 to HK$99,999 + repayment period 36 months or above
Successfully apply and drawdown with a loan amount of HK$200,000 or above, and with repayment tenor of 24 months; OR a loan amount of HK$50,000 or above, and with repayment tenor of 36 months or above
Successfully drawdown the loan on or before 31 July 2024
An extra HK$500 cash rebate will be earned upon successful registration with inputting reference code “AH"
The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 31 December 2024 without prior notice
- The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and monthly flat rate of 0.0830%. The Annualised Percentage Rate (“APR”) is 1.85%, with handling fee waiver.
- The above information is for reference only. For details, please visit Bank of China (Hong Kong) Limited (“BOCHK”) website
- For details of promotion offers and terms and conditions, please refer to BOCHK website
- Reminder: To borrow or not to borrow? Borrow only if you can repay!
1. Apply via online or mobile banking.
2. Please read "Key Facts Statement" and "Terms and conditions" and then press "Agree and continue".
3. Enter information.
4. Authenticate your identity.
5. Enter your loan details.
6. Confirm loan application submitted.
1. Hong Kong Identity Card.
- For applicants who are not holders of Hong Kong permanent ID card, please provide a passport copy.
2. Current Residential Address Proof issued within three months, e.g. electricity bills, rates demand notes or bank statements
- (If the permanent residential address is different from the current residential address, please provide additional permanent residential address proof).
3. Income Proof:
- Bank statements/passbook showing your name, account number and the credit of monthly salary in the past two months; or
- Salary payroll advice dated within one month of application; or
- The latest Tax Demand Note
- Business Registration Certificate and the latest Tax Demand Note (for sole proprietor or a partner in a business)
BOC Express Cash Instalment Loan Balance Transfer
+ 3 other gift options
Valid until
02 July 2024
- APR as low as 5.93%; 1% handling fee
- Repayment period of up to 72 months
- Loan amount up to HK$2,000,000 or 21 times of your monthly salary (whichever is lower)
- Monthly fixed income of HK$6,000 or above
Gift Options
Eligible Loan Amount Range HK$1,000,000 or above
Eligible Loan Amount Range From HK$500,000 to HK$999,999
Eligible Loan Amount Range From HK$200,000 to HK$499,999
Eligible Loan Amount Range From HK$50,000 to HK$199,999
- Successfully apply and drawdown with a loan amount of HK$50,000 or above, and with a repayment tenor of 36 months or above with the promotion period
- Successfully drawdown the loan on or before 31 July 2024
- Successful registration with inputting reference code “AH”
- The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 31 December 2024 without prior notice
- The above information is for reference only. For details, please visit Bank of China (Hong Kong) Limited (“BOCHK”) website
- For details of promotion offers and terms and conditions, please refer to BOCHK website
- The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
- Reminder: To borrow or not to borrow? Borrow only if you can repay!
DBS Electric Vehicle Personal Instalment Loan
+ 19 other gift options
Valid until
31 May 2024
+ 5 other gift options
Valid until
31 May 2024
+ 3 other gift options
Valid until
31 May 2024
- Annualised Percentage Rate as low as 2.20%; APR includes the handling fee 2%
- Handling fee refers to the loan setup fee. The Loan Set Up Fee is 2% of the loan amount. The Loan Set Up Fee shall be calculated by reference to the principal amount of the loan at the rate specified by the Bank from time to time and shall be deducted from the loan principal amount upon drawdown of the loan and is non-refundable.
- Loan amount up to HK$2,000,000 or 20x monthly salary (whichever is lower), flexible repayment period of up to 60 months
- No income proof is required
- Anytime to redraw your repaid principal
The customer is entitled to reward an up to HK$10,800 exclusive supermarket coupon or Apple Gift Card upon the following requirements are satisfied
Gift Options
HK$1,500,000 and above
From HK$1,000,000 to HK$1,499,999
From HK$500,000 to HK$999,999
From HK$300,000 to HK$499,999
From HK$100,000 to HK$299,999
- Successfully apply for the Loan via MoneyHero;
- From 1 April 2024 to 31 May 2024: successfully apply for the Loan;
- On or before 21 June 2024: draw down the approved Loan;
- Terms and Conditions apply
Gift Options
From 42 months To 60 months + eligible loan range HK$1,000,000 above
From 42 months To 60 months + eligible loan range from HK$500,000 To HK$999,999
From 42 months To 60 months + eligible loan range from HK$300,000 To HK$499,999
From 12 months To 36 months + eligible loan range HK$1,000,000 above
From 12 months To 36 months + eligible loan range from HK$300,000 To HK$999,999
From 12 months To 60 months + eligible loan range from HK$100,000 To HK$299,999
- Successfully applied for the loan via DBS website or DBS Card+ Smart Phone App
- From 1 April 2024 till 31 May 2024 (Promotion Period), successfully applied for the loan within the promotion period;
- Successfully drawdown the loan on or before 21 June 2024;
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
- The Extra Award will be awarded to the eligible customer via the red “InstaRedeem” button of DBS Card+ upon eligible customer spends with the Applicable Credit Card (as defined in Clause 6a) issued by the Bank during 1 October 2024 to 30 March 2025 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+.
- To receive the Extra Award, customers must:
hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 31 August 2024. For customer who holds more than one valid principal credit card issued by the Bank on 31 August 2024, his/her Applicable Credit Card is by default based on the following priority
Earn up to HK$4,000 "InstaRedeem" by fulfilling the following requirements:
Gift Options
Eligible Loan Range HK$1,000,000 above
Eligible Loan Range HK$500,000 to HK$999,999
Eligible Loan Range HK$300,000 to HK$499,999
Eligible Loan Range HK$100,000 to HK$299,999
- Customers who provide proof for purchase of electric vehicle (including but not limited to purchase order, invoice and receipt) within 3 months after the end of the Promotion Period is entitled to the corresponding “InstaRedeem” amount (“Extra Award”) based on the Loan amount set out in the above table:
- From 1 April 2024 till 31 May 2024 (Promotion Period), successfully applied for the loan within the promotion period;
- Successfully drawdown the loan on or before 21 June 2024;
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
- The Extra Award will be awarded to the eligible customer via the red “InstaRedeem” button of DBS Card+ upon eligible customer spends with the Applicable Credit Card (as defined in Clause 6a) issued by the Bank during 1 October 2024 to 30 March 2025 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+.
- To receive the Extra Award, customers must:
hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 31 August 2024. For customer who holds more than one valid principal credit card issued by the Bank on 31 August 2024, his/her Applicable Credit Card is by default based on the following priority:
- We reserve the right to request an income proof and additional documents for application approval
- An annualised percentage Rate (“APR”) is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable.
- You are eligible to apply for redrawing the repaid principal if a minimum of one instalment has been repaid and the repaid principal is over HK$5,000, with a punctual repayment record maintained. For application or enquiry about the details of redrawing the repaid principal and the terms and conditions, please call 2290 8111. We reserve the right for final approval based on the account condition.
- The monthly flat rate quoted in the above table is for reference only. The interest rate applicable to a customer is subject to his/her financial condition and is solely determined by us.
- The APR ranges from 2.20% to 6.80%. The minimum and maximum repayment period is 12 months and 60 months, respectively. The final interest rate and repayment period applicable PL Checklist for Providers to a customer is subject to his/her financial condition and is solely determined by us. To facilitate customer to repay, the monthly repayment amount is rounded to an integral, so the final APR may be slightly different from that quoted in the above table.
- With effect from 22 April 2022, we have ceased the “WhatsApp us” enquiry service. Should you have any enquiry, please call our Personal Loans Hotline at (852) 2290 8111.
- The APR of 2.20% is calculated based on the loan amount of HK$2,000,000, monthly flat rate of 0.01% and instalment period of 24 months, including a Loan Set Up Fee of 2%.
- Terms and conditions apply. For details, please visit DBS website
- To borrow or not to borrow? Borrow only if you can repay
1. Apply online or by phone
2. Verify your personal details and declare your financial liabilities
3. Credit check
4. Select a loan plan
5. Select disbursement details
6. Disburse the loan
1. HKID card
2. Latest 3 months’ income proof
3. Address proof (issue date within 6 months)
4. Banking statement / passbook showing your name and account number
Dah Sing Express Money Instalment Loan
+ 1 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 5 other gift options
Valid until
30 April 2024
- APR as low as 2.75%#
- Loan amount up to HKD2,000,000 or 14 times your monthly income (whichever is lower)
- Repayment tenor up to 60 months
- No address or income proof required for instant approval and loan disbursement
[MoneyHero Exclusive Offer] HK$1,200 Apple Store Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6 p.m.(both dates inclusive), customers who successfully apply for Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, and successfully drawdown by 31 May 2024, can enjoy HK$1,200 Apple Store Gift Card OR Wellcome Shopping Voucher
Gift Options
- For more details about the promotion, please see the Terms and Conditions
[MoneyHero Exclusive Offer] - Time-limited HK$800 Apple Store Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6 p.m.(both dates inclusive), you can get extra HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application of Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, with submission of required documents to Dah Sing Bank upon application, regardless of loan amount or approval
Gift Options
- For more details about the promotion, please see Terms and Conditions
Gift Options
Approved loan amount HK$1,990,000 or above
Approved loan amount from HK$1,000,000 to HK$1,989,999
Approved loan amount from HK$500,000 to HK$999,999
Approved loan amount from HK$200,000 to HK$499,999
Approved loan amount from HK$50,000 to HK$199,999
Approved loan amount from HK$5,000 to HK$49,999
The requirements include:
- From now till 31 May 2024: Successfully drawdown the Express Money Instalment Loan with loan tenor of 12 months or above; and
- maintain or successfully apply for Dah Sing ONE+ Credit Card; and
- *Only applicable to eligible customers who fulfill the above criteria and successfully register or maintain 360° Easy Payroll Services on or before 30 April 2024 (the Promotion Period) and maintain valid Eligible Payroll Transaction on or before the day when Dah Sing Bank credits the cash rebate.
- Promotion period is valid from now till 30 April 2024 (both dates inclusive)
- #APR as low as 2.75% is only applicable to "Selected Customers". Assuming that the approved loan amount is HK$1,990,000, with a 12-month loan tenor and 0.1650% monthly flat rate, APR including the HK$10,000 cash rebate is 2.75%. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
- Subject to relevant terms and conditions. For details, please visit Dah Sing Bank website. In the event of discrepancies between the Chinese version and English version of this page, the Chinese version shall prevail.
- To borrow or not to borrow? Borrow only if you can repay! The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.
- Apply via Dah Sing Bank website / mobile app
- Upload documents
- Get approval result
- Confirm the loan drawdown
- HKID Card
- Latest 1 month's income proof
- Latest 3 months' proof of current residence
Dah Sing Credit Mastermind Instalment Loan
+ 1 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 5 other gift options
Valid until
30 April 2024
- Monthly flat rate as low as 0.11%#
- Loan approval and drawdown as quick as 24 hours
- Loan amount up to HKD2,000,000 or 23 times your monthly income (whichever is lower)
- Interest savings up to 86%
- Cash out up to 8 times monthly income
[MoneyHero Exclusive Offer] HK$1,200 Apple Store Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6 p.m.(both dates inclusive), customers who successfully apply for Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, and successfully drawdown by 31 May 2024, can enjoy HK$1,200 Apple Store Gift Card OR Wellcome Shopping Voucher
Gift Options
- For more details about the promotion, please see the Terms and Conditions
[MoneyHero Exclusive Offer] - Time-limited HK$800 Apple Store Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6 p.m.(both dates inclusive), you can get extra HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application of Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, with submission of required documents to Dah Sing Bank upon application, regardless of loan amount or approval
Gift Options
- For more details about the promotion, please see Terms and Conditions
Gift Options
Approved loan amount HK$1,000,000 or above
Approved loan amount from HK$500,000 to HK$999,999
Approved loan amount from HK$200,000 to HK$499,999
Approved loan amount from HK$50,000 to HK$199,999
Approved loan amount from HK$30,000 to HK$49,999
The requirements include:
- Successfully drawdown the Credit Mastermind Instalment Loan with a loan tenor of 12 months or above on or before 31 May 2024
- *Only applicable to eligible customers who successfully register or maintain 360° Easy Payroll Services on or before 30 April 2024 (the Promotion Period) and maintain valid Eligible Payroll Transaction on or before the day when the Dah Sing Bank mails out the redemption letters for the Smartphone or credits the cash rebate.
- Promotion period is valid from now till 30 April 2024 (both dates inclusive)
- # The interest rate offer of as low as 0.11% monthly flat rate is only applicable to "Selected Customers". Assuming that the loan amount is HKD1,000,000, with a 72-month tenor and 0.11% monthly flat rate, APR including the loan handling fee of 1.1% p.a. is 4.83%. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
- Subject to relevant terms and conditions. For details, please visit Dah Sing Bank website. In the event of discrepancies between the Chinese version and English version of this page, the Chinese version shall prevail.
- To borrow or not to borrow? Borrow only if you can repay! The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.
- Apply via Dah Sing Bank website / mobile app
- Upload documents
- Get approval result
- Confirm and loan drawdown
- HKID Card
- Latest 1 month's income proof
- Latest 3 months' proof of current residence
- Proof of employment
OCBC Bank Personal Loan
+ 2 other gift options
Valid until
30 April 2024
+ 5 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 9 other gift options
Valid until
30 June 2024
Valid until
30 June 2024
- APR as low as 3.30%
- Loan amount up to HK$2,000,000 or 20X of your monthly salary (whichever is lower)
- Repayment tenor up to 60 months
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Successfully applied and drawdown for OCBC Personal Loan / Debt Consolidation Personal Loan on MoneyHero from 1 April 2024 till 30 April 2024 and enjoy up to HK$6,000 Apple Store Gift Card / Wellcome Shopping Voucher
Gift Options
Loan amount HK$500,000 or above
Loan amount from HK$300,000 to HK$499,999
Loan amount from HK$100,000 to HK$299,999
- Please refer to the Terms and Conditions for details
From 1 April 2024 till 30 April 2024, new customers who apply OCBC Personal Loan / Debt Consolidation Personal Loan & submission of documents to the bank on or before 30 April 2024 via MoneyHero can get HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown
Gift Options
- Please refer to the Terms and Conditions for more details
From 1 April 2024 to 30 June 2024, new Customer who successfully applied and drawdown the loan via Online to enjoy up to HK$10,000 rewards
Gift Options
Repayment period 48 months or above + loan amount HK$1,500,000 or above
Repayment period 12 months or above + loan amount HK$1,500,000 or above
Repayment period 48 months or above + loan amount from HK$1,000,000 to HK$1,499,999
Repayment period 24 months or above + loan amount from HK$1,000,000 to HK$1,499,999
Repayment period 48 months or above + loan amount from HK$500,000 HK$999,999
Repayment period 24 months or above + loan amount from HK$500,000 to HK$999,999
Repayment period 48 months or above + loan amount from HK$300,000 HK$499,999
Repayment period 24 months or above + loan amount from HK$300,000 to HK$499,999
Repayment priod 48 months or above + loan amount from HK$100,000 to HK$299,999
Repayment period 24 months or above + loan amount from HK$100,000 to HK$299,999
- Please refer to OCBC Bank (Hong Kong) Limited - Personal Loan for more details
【Apple Store Gift Card Offer】
New Customer who successfully applied and drawdown the loan via Online to enjoy HK$500 Apple Store Gift Card
Gift Options
- Terms and Conditions apply.
- APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis.
- If the loan amount is $1,500,000, the monthly flat rate for 12 months is 0.063%, if the loan is approved finally by the Company, the APR for 12 months is 3.30%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,500,000.
- Example is for reference only, APR may differ with different loan amounts and tenors.
- For enquiries, please refer to OCBC Bank (Hong Kong) Limited - Personal Loan website.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
OCBC Bank Balance Transfer Personal Loan
+ 2 other gift options
Valid until
30 April 2024
+ 5 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 9 other gift options
Valid until
30 June 2024
Valid until
30 June 2024
- APR as low as 3.30%
- Loan amount up to HK$2,000,000 or 20X of your monthly salary (whichever is lower)
- Repayment tenor up to 60 months
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Successfully applied and drawdown for OCBC Personal Loan / Debt Consolidation Personal Loan on MoneyHero from 1 April 2024 till 30 April 2024 and enjoy up to HK$6,000 Apple Store Gift Card / Wellcome Shopping Voucher
Gift Options
Loan amount HK$500,000 or above
Loan amount from HK$300,000 to HK$499,999
Loan amount from HK$100,000 to HK$299,999
- Please refer to the Terms and Conditions for details
From 1 April 2024 till 30 April 2024, new customers who apply OCBC Personal Loan / Debt Consolidation Personal Loan & submission of documents to the bank on or before 30 April 2024 via MoneyHero can get HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown
Gift Options
- Please refer to the Terms and Conditions for more details
From 1 April 2024 to 30 June 2024, new Customer who successfully applied and drawdown the loan via Online to enjoy up to HK$15,000 rewards
Gift Options
Repayment period 48 months or above + loan amount HK$1,500,000 or above
Repayment period 24 months or above + loan amount HK$1,500,000 or above
Repayment period 48 months or above + loan amount from HK$1,000,000 to HK$1,499,999
Repayment period 24 months or above + loan amount from HK$1,000,000 HK$1,499,999
Repayment period 48 months or above + loan amount from HK$500,000 to HK$999,999
Repayment period 24 months or above + loan amount from HK$500,000 HK$999,999
Repayment period 48 months or above + loan amount from HK$300,000 to HK$499,999
Repayment period 24 months or above + loan amount from HK$300,000 HK$499,999
Repayment period 48 months or above + loan amount from HK$100,000 to HK$299,999
Repayment period 24 months or above + loan amount from HK$100,000 to HK$299,999
- Please refer to OCBC Bank (Hong Kong) Limited - Balance Transfer Personal Loan for more details
【Apple Store Gift Card Offer】
New Customer who successfully applied and drawdown the loan via Online to enjoy HK$500 Apple Store Gift Card
Gift Options
- Terms and Conditions apply.
- APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis.
- If the loan amount is $1,500,000, the monthly flat rate for 12 months is 0.063%, if the loan is approved finally by the Company, the APR for 12 months is 3.30%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,500,000.
- Example is for reference only, APR may differ with different loan amounts and tenors.
- For enquiries, please refer to OCBC Bank (Hong Kong) Limited - Balance Transfer Personal Loan website.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
Need Help with Choosing Personal Loans?
No worries, we’ve got you covered.
How can I find the right financial products?
MoneyHero has partnered with the most trusted banks and financial institutions in Hong Kong to help you find the right financial products. Through our comparison engine, you can compare credit cards, personal loans, mortgages, medical insurance, travel insurance, HK stock accounts, US stock accounts, payroll accounts, and other financial products. We provide accurate, up-to-date information and an unbiased overview of financial products in Hong Kong so that you can make the best choice, saving your time and money.
What is a personal instalment loan
A personal instalment loan, also known as an unsecured loan, is a type of loan that allows you to borrow a specific amount of money and repay it through fixed instalments over a period of time. Unlike a secured loan that requires collateral like a house or car, a personal loan only requires a monthly payment that includes both the loan's principal and interest.
If you can pay off the loan principal and interest on time, you can use the money from your loan to finance your personal goals, such as renovating your home or planning your next dream vacation. Instead of paying off the loans in one lump sum, repaying them as instalments from 1 to 5 years could help ease your financial burden.
How can I find different personal loan offers in Hong Kong?
Personal loans can be applied in a majority of banks and lending companies here in Hong Kong. Popular lenders include the likes of Citibank, Hongkong and Shanghai Banking Corporation(HSBC), China Construction Bank, Standard Chartered Bank, Hang Seng Bank,vDBS Bank, WeLend, Promise, United Asia Finance, and many more. They provide loans at competitive rates and are often paired with equally tempting promotions and offers. You can also use MoneyHero's online comparison tool to easily find out the interest rates, loan amounts, total repayment values, and terms offered by various personal loan providers in Hong Kong, then instantly select the right personal instalment loan with the lowest monthly rates to suit your needs.
Should I choose the personal instalment loan with the lowest monthly interest rate?
While low monthly interest rates may seem appealing for a personal instalment loan, they may not always offer the best overall deal. Additional factors such as handling and administrative fees should be taken into consideration, as they can significantly impact the total cost. To make an informed decision, you can compare the Annual Percentage Rates (APR) of different loans, as they provide a more accurate representation of the borrowing costs. Additionally, be sure to watch out for any hidden charges that could potentially increase your expenses.
How long does it take to get approved for a personal instalment loan?
While certain financial companies advertise "instant loan approval," this typically refers to passing the initial screening of your application. In reality, you may still need to wait for a period ranging from 10 to 60 minutes to receive the actual approval. Certain banks may take longer, with approval times ranging from 2 to 5 working days.
How do I calculate the monthly interest of my personal instalment loan?
You will repay the loan monthly with a fixed amount of principal and interest, and the interest for the loan amount will usually be calculated based on a monthly flat rate. If you know your total loan amount, monthly flat rate, and repayment period, you can calculate the monthly interest.You can consider using our free personal loan calculator to help .
Loans Information
What Are Loans?
Loans are financial products that offer a person or a business the necessary funds to fulfil their financial requirements or needs. Typically provided by financial institutions, loans come with specific repayment terms and conditions. Based on the terms that you agreed to, you will need to repay both the initial loan amount and the accumulated interest
Types of Loan Products
There are various types of loan products available in Hong Kong. If you are looking to borrow money or take out a personal loan (also known as P loan) for a particular financial goal, you should try to learn and understand the differences between each loan product before deciding the one that is best for your needs:
Personal Installment Loans
Personal Instalment loan allows you to borrow a fixed amount of money and repay it over a set period of time with
interest, usually in equal monthly instalments. These loans can be used for a wide range of purposes. If you don't have a specific need for a loan, such as paying taxes, clearing credit card debts, buying a car, or requiring quick cash, you may choose personal instalment loans due to its greater flexibility in terms of loan amounts and repayment periods.
Personal Tax Loans
Banks and lending companies typically offer personal tax loans to help individuals in paying their taxes, particularly during tax season. These loans allow you to borrow a fixed amount and repay it in manageable instalments, easing the financial burden for those with higher income.
Debt Consolidation Plan
This type of unsecured personal loan helps you simplify and manage your debts. It allows you to combine multiple debts into a single loan with a lower interest rate and a fixed repayment plan. This way, you can reduce the overall amount of interest you pay and manage your debts more effectively. This type of loan is usually intended for consolidating existing debts
Car Loans
Car loan is a type of personal loan provided by a bank to finance a car purchase. You can use the car loan to purchase a vehicle without needing to provide the car as collateral. Car loans have no restrictions on the age and model of the car, allowing you the freedom to choose any vehicle type, regardless of whether it is a new or used car. You are required to repay the initial loan amount and interest in fixed monthly instalments within the repayment period.
Refinance Loans
Revolving loans, also known as revolving credit or credit line, offer you a flexible pool of funds that you can withdraw within an approved limit. You can borrow and repay whenever you want, and the credit becomes available again for future use. This helps you manage your cash flow effectively. Interest is only charged on the outstanding balance on a daily basis. A monthly handling fee may apply based on the lender's policy
SME / Business Loans
Tailored for small and medium-sized enterprises (SMEs) and businesses, these loans are generally used to provide the necessary financial support for businesses for their operations, expansion, or investment. For example, the loans can help them purchase equipment, expand factories, or supplement working capital.
Student Loans
Geared towards assisting students in paying for their education, these unsecured loans enable students to borrow a fixed amount and repay it over a specific period of time with interest. The most common student loan available in Hong Kong is the Grant and Loan Scheme provided by the Student Finance Office. While a “Grant” is a subsidy for tuition fees, a “Loan” provides loans with low interest for university students.
What is the repayment period for personal loan applications?
The shortest repayment period for personal loan applications can be 60 days, while some lenders offer a flexible repayment period of up to 84 months.
What is the maximum loan amount you can apply for personal loans
The maximum loan amount you can borrow is typically 6 to 18 times of your monthly income, with a limit of HK$4 million. The actual amount you qualify for depends on factors like your credit score and income status, regardless of the lender's maximum offering. Banks and financial institutions may also consider your Debt Servicing Ratio (DSR) to determine the loan amount. In general, maintaining your DSR below 40% increases your chance of receiving a favourable loan offer. We advise you to maintain your DSR within this percentage.
What is the difference between bank loans and loans from lending companies?
Bank loans and loans from lending companies are different in terms of interest rates, loan amount, eligibility criteria, repayment terms, and the application process:
Bank Loans |
Lending Company Loans |
|
Interest Rates |
Generally lower |
Generally higher |
Loan Approval Process |
More strict |
More lenient |
Requirements |
More strict |
More flexible |
Collateral |
Required for some loans |
Often unsecured |
Repayment Terms |
Less flexible |
More flexible |
Customer Service |
Personalized |
Less personalized |
Loan Amount |
Higher depending on collateral |
Lower |
Loan Purpose |
More strict |
More flexible |
What is the procedure of loan application?
The process for a loan application largely depends on the lender and the type of loan you are applying. Some common steps include comparing loan options, checking the eligibility criteria and required documents for the chosen loan, submitting the loan application form and required documents, and waiting for approval. Both traditional banks and virtual banks offer online loan applications that can be completed through a quick and easy process on their mobile banking apps.
However, not all of them will approve applications solely through the app or online channels. In certain cases, they may require additional steps or direct communication with you to proceed with the application. The approval process may involve connecting with you through phone calls to finalise the application.
What are the requirements of loan applications?
Loan application requirements can vary depending on the lender. In general, most lenders typically require applicants to be at least 18 years old, residents of Hong Kong, and have a minimum annual income.
You will also need to provide documents such as proof of identity (e.g. Hong Kong ID card or passport), proof of income (e.g. salary slips or tax returns), and collateral for some loans. However, some lenders may have different or extra requirements for loan applications.
What are the required supporting documents for loan applications?
The supporting documents needed varies depending on the lender and the type of loan you are applying for. In general, the documents listed below are typically required when applying for a loan:
1. Identity Proof: This could be in the form of a Hong Kong ID card or a passport.
2. Proof of Income: This may include a salary statement, bank statement, or tax returns.
3. Proof of Address: This might involve providing an utility bill or a bank statement.
4. Proof of Employment: This could entail an employment contract or a letter from your employer.
5. Collateral Documents: If the loan requires collateral, you will need to provide documents related to the collateral, such as a property deed or a vehicle registration.
What Needs to Be Considered Before Applying for Loans
If you are thinking about applying for a loan, you have to carefully consider various factors beforehand. Here are some key points to remember when applying for a loan in Hong Kong:
APR
APR stands for Annual Percentage Rate, which includes all applicable interest rates, fees, and charges. Comparing the APRs of different loan schemes will give you a clearer picture of the total cost of the loan, avoiding paying unnecessary charges. The Hong Kong Association of Banks requires banks to use the same formula when calculating the APR.
Credit Score
Your credit score plays a significant role in determining loan approval, loan amount, and interest rates. It's advisable to develop good financial management practices to improve your credit profile. Your repayment history and credit history can affect your credit score greatly.
Ability of Payback
It is important to check your ability to repay a loan before applying for one. Borrowing more than what you need will result in unnecessary interest payments. It's best to determine the loan amount based on your actual needs.
Interest Discounts
Some banks offer interest discounts on loans, which can be beneficial if you meet the requirements, such as occupation, income level, deposit balance, application channel and customer status (whether new or existing customer). For instance, Bank of China's Personal Instalment Loan provides preferential rates for professionals, including doctors, lawyers, accountants,vteachers, nurses, engineers, and architects etc.
Supporting Documents
To successfully complete the loan application process, several supporting documents must be ready in advance. Check if you have prepared your proof of identity, proof of address, proof of employment, and income proof (e.g. bank statement).
Personal Loan Calculator
Having trouble calculating the repayment amount? Hoping to learn more about loan formulas? We’ll handle the task of filtering precise loan offers tailored to your profile and needs.Our personal loan calculator makes it easy for you to compare different loan options and choose the one that works best for you. It only takes a few clicks to see a complete list of suitable loans that match your criteria.
Formula to calculate monthly loan payment:monthly payment = principal x (interest rate / 12)
Personal Loans Glossary
If you've read through our page and struggle to gain a thorough understanding of which personal loan to select due to the unfamiliar terms and information about personal loans, don't worry, we've got you covered. We have a personal loans glossary where you can find a comprehensive list of terms with easy-to-understand definitions. Our glossary can be a valuable tool for anyone who wants to educate themselves on the world of personal finance. So, if you're confused about any of the terms we use on this page, be sure to check out our personal loans glossary for clarity.