自僱人士都借到錢？真！免糧單、
免稅單、即日批核！
✅ 支援Slasher/創業者/司機/現金出糧人士 ✅ 可免入息證明 ✅ 最快30分鐘過數
立即比較貸款方案，借一萬送高達HK$1,600額外獎賞。
熱門貸款產品比較
無需糧單/入息證明，選擇分24個月借貸HK$10,000，即可享高達HK$1,600獎賞！
4個簡單步驟，爭奪高達HK$100,000現金獎！
第4步:
得票最高的3位參加者可獲得一年還款額等值的現金獎，上限為HK$100,000，結果將於 7月4日公布
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合作銀行或機構
為你搵到最好嘅優惠...
仲未揀到啱你嘅貸款？返去再比較吓啦！
3 步即快速申請流程
第一步：揀選適合自僱人士嘅貸款方案
揀一個切合你需要、快速批核嘅貸款產品，唔洗等、唔洗煩
第二步：網上申請，唔使交文件
直接經 MoneyHero 去貸款機構官網填表，毋須親身去分行，流程簡單又安全。
第三步：成功批核放款，仲有現金禮品送！
最快14分鐘即可收到現金，小額貸款借 HK$10,000，都可享高達HK$1,600獎賞!
自僱人士都批！經 MoneyHero 申請貸款，優惠保障樣樣有
🎁 獲取MoneyHero獨家優惠，減低借貸壓力
透過 MoneyHero 申請貸款，即可享獨家優惠，無論係現金回贈定額外獎賞，幫你慳息又慳錢。自僱或無文件人士都照拎優惠，申請更有著數！
📊 一頁比較所有貸款選項
在MoneyHero，你可以輕鬆比較來自不同銀行的貸款產品。無需繁瑣的搜索，一頁查看所有選項，幫助你快速找到最合適的貸款方案，讓選擇變得簡單又明確。
🤝 與信譽良好的合作夥伴合作
MoneyHero與多間信譽良好的金融機構合作，所有推薦的貸款產品都來自經過嚴格篩選的合作夥伴。這讓你能夠放心選擇，確保每一筆貸款都具有可靠性與安全性。
為何選擇 MoneyHero？
⭐⭐⭐⭐⭐
「曾因健康問題收入減少，靠一筆簡便申請的貸款過渡，無需提供繁瑣文件。」
— Vivian H.
⭐⭐⭐⭐⭐
「自僱開店淡季資金緊絀，靠MoneyHero推薦的貸款方案穩住生意，順利開到第二間分店。」
— 洪先生
⭐⭐⭐⭐⭐
「我做自由工作者，冇正式入息證明，仍然成功借到貸款，解決資金周轉問題。」
— 梁小姐
常見問題
無入息證明都可以借嗎？
指定財務機構的私人貸款可豁免入息證明文件，但一般有貸款額限制，以及有機會獲批核的實際年利率稍稍高一點。
申請需要露面嗎？
無需露面，一般都可以於網上申請，由填寫資料、上載所需文件，進行身份驗證、簽約及放款都可以於網上完成。
申請要收手續費？
現時香港大部分知名的持牌財務公司，包括WeLend、邦民日本財務（Promise）及安信信貸（Prime Credit），均在其私人貸款產品中豁免手續費。
幾時可以收到錢？
一般來說，香港財務公司最快即日甚至幾小時內就可以批核並發放貸款。
仲未揀到？返去比較貸款方案！
唔使煩，唔使揾入息文件，MoneyHero 幫你精選適合自僱人士或無文件申請人嘅即日批核貸款方案。
📣 還未提交故事？你與 高達HK$100,000現金獎 只差一步！
成功申請並提取貸款後，別忘了填寫【MoneyHero獎賞換領表格】，分享你的貸款故事，如何善用貸款改善理財，就有機會成為得獎者之一！
🎯 截止日期：2025年6月16日
📩 立即提交故事，贏取一年還款額（上限HK$100,000）
詳情請參閱常見問題部分
用戶在 Google 上的真實評價
了解點解成千上萬香港人都信賴 MoneyHero，幫自己搵到最啱嘅貸款方案
服務主動又貼心
“主動通知客戶核實獎賞及其進度值得讚賞”
— Ivan Chan
獎賞快靚正，值得一讚
“今次獎賞非常好 又攞卡到拎到獎賞 只需大約6星期。快靚正 唔使好似之前啲獎賞咁等好耐 要讚啊”
— Anna Lam
流程清晰 容易上手
“只要填足資料跟足指示， 很快便收到產品”
— Noran Lee
|
貸款產品 |
還款期 |
實際年利率 |
例子 |
|---|---|---|---|
| Cashing Pro 特快網上私人貸款 | 3個月 - 60個月 | 4.4% – 47.8% | 貸款HK$10,000，還款期3個月，以實際年利率12%計算，總還款額為HK$10,297 |
| 6個月 - 72個月 | 5.16%－35.78% | 假設貸款額為HK$200,000及還款期為12個月，每月平息為0.5% (實際年利率11.46%)，貸款之總還款額為HK$212,004 (豁免手續費)。 | |
| 6 個月 - 60 個月 | 1.40% - 35.78% | 貸款HK$3,500,000及還款期為12個月，每月平息為0.07% (實際年利率1.56%，以不包括任何現金回贈)，貸款之總還款額為HK$3,529,400 (豁免手續費) | |
| 6 個月 - 48 個月 | 1.38% - 36% | 貸款HK$100,000，還款期36個月，以實際年利率1.38%計算，每月還款額為HK$2,862.61 | |
| DBS「貸易清」私人貸款 | 3 個月 - 84 個月 | 6.38% - 25.24% | 貸款HK$200,000及還款期48個月，實際年利率為10.42%計，已包括2% 貸款開立費，每月還款額為HK$4,967，總利息支出HK$38,416 |
| Mox 「即時借」 | 3 個月 - 60 個月 | 1.28% - 25.34% | 以貸款本金金額HKD1,500,000及6個月還款期計算，「即時借」貸款所計算之實際年利率為低至1.28%（並不包括「即時借」現金奬賞推廣之現金奬賞），貸款之總還款額為HKD1,505,589 |
| UA i-Money網上錢私人貸款 | 3 個月 - 60 個月 | 1.68% - 48.00% | 貸款HK$10,000，以實際年利率1.1%計，6個月之分期貸款，每月還款額為HK$1,672，總還款額為HK$10,032 |
| WeLab Bank 私人分期貸款 | 6 個月 - 60 個月 | 0.78% - 36.00% | 假設貸款額為HKD 600,000，還款期為39個月，實際年利率分別為0.78%（包括現金回贈HKD 9,000）或1.68%（不包括任何現金回贈）， 總還款額為HKD 616,818.60。 |
| WeLend清卡數貸款 | 3 個月 - 84 個月 | 1.99% - 25% | 貸款HK$360,000，還款期48個月計算，實際年利率為1.99%，總還款額為HK$6,504 |
| WeLend私人貸款 | 3 個月 - 84 個月 | 1.99% - 25.00% | 貸款HK$500,000及還款期12個月，以實際年利率1.99%計，每月還款金額為HK$42,116 |
| X 現金A.I.貸款 | 1天 - 72個月 | 1.15% - 48% | 貸款HK$15,000，還款期12個月，以實際年利率1.15%計算，總還款額為HK$15,094 |
| 12個月 - 72個月 | 4.10% - 36.00% | 假設貸款額為 HK$ 1,500,000，還款期為 72 個月，實際年利率為 8.64%，月平息為 0.38%，總還款額為 HK$ 1,910,400 | |
| 中銀分期「易達錢」 | 12 個月 - 60 個月 | 1.78%-28.21% | 貸款HK$500,000及還款期為12個月，每月平息為0.2149% (實際年利率4.83%)，貸款之總還款額為HK$512,894.04 (豁免手續費) |
| 12 個月 - 60 個月 | 5.93% - 32.51% | 貸款HK$100,000，還款期12個月計算，實際年利率為6.32%，總還款額為HK$103,360 | |
| 信銀國際$mart Plus分期貸款 | 12個月 - 72個月 | 1.65% - 35.99% | 貸款HK$100,000，分24個月還款，每年手續費為貸款金額的1% ，實際年利率為6.25%，每月還款金額為HK$4,347 |
| 信銀國際$mart Plus分期貸款 結餘轉戶 | 12個月 - 72個月 | 1.65% - 35.99% | 貸款HK$200,000，還款期72個月計算，並已包括每年1%手續費，實際年利率為6.90%，總還款額為HK$240,800 |
| 大新 分期「快應錢」 | 6 個月 - 60 個月 | 1.68% - 36% | 假設獲批核之貸款額1,990,000港元，還款期為12個月，每月平息為0.1338%，包括13,888港元現金回贈之實際年利率為1.68%，利息總額為31,952港元，而您的供款總額為2,021,952港元 |
| 安信定額私人貸款 | 3 個月 - 72 個月 | 1.18% - 48% | 以貸款HK$10,000、年息0.6%及還款期12個月計算，每月還款金額為HK$839，總利息支出為HK$68，總還款金額為HK$10,068 |
| 3 個月 - 72 個月 | 1.18% - 48% | 貸款HK$500,000，還款期48個月計算，實際年利率為8.35%，總還款額為HK$569,159 | |
| 12個月 - 72個月 | 5.28% - 33.02% | 貸款HK$500,000，還款期60個月計算，實際年利率為8.46%，總還款額為HK$610,400 | |
| 6 個月 - 60 個月 | 1.56% - 13.00% | 貸款HK$100,000及還款期為12個月，每月平息為0.27%（實際年利率6.11%），貸款之總還款額為HK$103,248（豁免手續費） | |
| 星展銀行 定額私人貸款 | 12 個月 - 60 個月 | 5.91% - 7.03% | 貸款HK$500,000及還款期12個月，以實際年利率6.14%計，總還款金額為HK$505,800 |
| 東亞銀行分期貸款 | 12 個月 - 60 個月 | 4.72% - 23.84% | 貸款HK$500,000，還款期12個月，實際年利率為4.72%，總還款額為HK$512,600 (0%手續費) |
| 渣打分期貸款 | 12 個月 - 60 個月 | 1.85% - 36% | 貸款HK$100,000及還款期24個月，實際年利率為7.21%計，每月還款額為HK$4,476.66 |
| 12個月 - 84個月 | 4.67% - 36% | 假設貸款額為HK$200,000及還款期為36個月，實際年利率5.37%，貸款之總還款額為HK$216,560.16。 | |
| 滙豐 分期「萬應錢」 | 12 個月 - 60 個月 | 1.99% - 31.19% | 貸款HK$1,500,000元或以上，以12個月的還款期計算，每月平息為0.11%，實際年利率分別為2.47%（以不包括任何現金回贈或「獎賞錢」作計算）及1.99%（以包括港幣2,500元現金回贈及$1,300「獎賞錢」作計算），總還款額為HK$1,519,800 |
| 華僑銀行私人貸款 | 6 個月 - 60 個月 | 1.88% - 36% | 貸款HK$1,500,000，還款期12個月，實際年利率為2.16%（包括HK$9,000現金回贈）或3.30% （不包括現金回贈），當中已包括分別每年為1.00%之手續費在內，總還款額為HK$1,511,340 |
| 6 個月 - 60 個月 | 3.25% - 36% | 貸款HK$100,000，還款期12個月計算，實際年利率為7.82%，總還款額為HK$104,148 | |
| 3 個月 - 84 個月 | 4.40% - 48% | 貸款HK$200,000，以實際年利率4.49%%計，按36個月還款期計算，手續費全免，每月還款金額為HK$5,940；總還款額為HK$213,840 |
