Get the Best Personal Installment Loans with Low Interest Rates in HK

Compare personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now! Read More
200,000 personal loan Paid over 24 months
HK$
We found 57 Personal Loans for you!
PrimeCredit Fixed Loan (Applicable to Tax Season)

Monthly Payment

HK$8,433

Monthly Payment
MoneySmart Exclusive
The Lowest APR
1.18%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433
【PrimeCredit Offer】 Up to HK$18,000 Cash Bonus!
Valid until 31 Dec 2024 - See more details below
Apply Now
Citi Tax Season Loan

Monthly Payment

HK$8,493

Monthly Payment
MoneySmart Exclusive
APR*
1.78%
Total Amount Payable
HK$203,840
Total Interest Payable
HK$3,840
Monthly Payment
HK$8,493

【💵Tax Season Extra Treats!】Apply to get up to HK$18,199 Rewards! 
New customers who successfully apply for the Citi Tax Season Loan / Citi Card Debt Consolidation Loan on or before 3 January 2025 and successfully draw down on or before 31 January 2025 would be eligible for MoneySmart exclusive gift up to an 🍎 iPhone 16 Plus 512GB (valued: HK$10,199) /  HK$10,000 Apple Store Gift Card / PARKnSHOP supermarket vouchers! The welcome offer from the bank is as high as an $8,000 cash voucher!

Valid until 03 Jan 2025 - See more details below
Apply Now
【Year-Round 0% Interest^】UA i-Money Internet Personal Loan

Monthly Payment

HK$8,333

Monthly Payment
Bank Promo
APR as low as 0%
APR*
0.0%
Total Amount Payable
HK$200,000
Total Interest Payable
HK$0
Monthly Payment
HK$8,333
Bank Promo:
【Year-Round 0% Interest^ Flash Deal】
New and existing customers¹  can enjoy a year-round 0% interest offer upon successful loan application and drawdown of the i-Money Internet Personal Loan! Loan amount up to $200,000 with no hidden charges – it’s a true 0% interest personal loan offer!
Valid until 28 Jan 2025 - See more details below
Apply NowApply directly on MoneySmart
CNCBI $mart Plus Tax Season Loan

Monthly Payment

HK$8,564

Monthly Payment
MoneySmart Exclusive
APR*
1.65%
Total Amount Payable
HK$201,536
Total Interest Payable
HK$1,536
Monthly Payment
HK$8,564

【Limited-time Offer -HK$200 Straight to your FPS account!】
Apply for CNCBI $mart Plus Tax Season Loan / CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate via MoneySmart and submit all the required documents, you can earn HK$200 cash rebate regardless of approval (automatically converted by 2,000 SmartPoints and will directly deposit into your FPS account)!⠀⠀
⠀⠀
【CITIC Bank x MoneySmart Exclusive Offer 】- Get total reward up to HK$6,488!
Customers successfully apply for CNCBI $mart Plus Tax Season Loan / CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate via MoneySmart and draw down the designated loan amount could enjoy up to HK$4,000 Apple Store Gift Card or PARKnSHOP Supermarket Voucher ! New gift options include but not limited to De'Longhi Magnifica S Series Fully Automatic Coffee Machine / Apple HomePod /  B&W Px7 S2e Headphone / Apple AirPods 4 with Active Noise Cancellation!

Valid until 31 Dec 2024 - See more details below
Apply Now
Promise Easy Loan

Monthly Payment

HK$8,433

Monthly Payment
MoneySmart Exclusive
Instant Approval Online◉
APR*
1.12%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433

【MoneySmart Exclusive】Drawdown of HK$10,000 or above, - get HK$1,100 + up to HK$15,000 CASH!
⠀⠀
From 1 Dec 2024 to 31 Dec 2024, successfully apply for Promise Easy Loan/Promise No-doc Loan/Promise Debt Consolidation Loan/Promise Personal Loan (Available for Tax Season) via MoneySmart, you can enjoy:
⠀⠀
1️⃣  Eligible New Customers who have completed a drawdown of HK$10,000 of above, are entitled to enjoy HK$1,100 cash rebate (automatically converted by 11,000 SmartPoints and will directly deposit into your FPS account)
⠀⠀
2️⃣  Eligible New Customers who have successfully drawn down the required loan
amount, are entitled to rewards up to HK$15,000 ▲ No Supporting Documents
Required#. Online Instant Approval⦿.
⠀⠀
Earn rewards worth up to HK$16,100 in total!

Valid until 31 Dec 2024 - See more details below
Apply Now
WeLend Personal Loan (Available for tax season)

Monthly Payment

HK$8,573

Monthly Payment
The lowest APR*
1.38%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573
Read More
Mox Instant Loan - Tax Season

Monthly Payment

HK$9,033

Monthly Payment
MoneySmart Exclusive
Upgraded Offers!
APR as low as*
1.28%
Total Amount Payable
HK$216,800
Total Interest Payable
HK$16,800
Monthly Payment
HK$9,033

【📣 New and existing customers applying for Mox 'Instant Loan' in December will receive exclusive rewards!】
New customers who successfully open a Mox account and apply for a loan using the promo code "MSCASH10" on or before 31 December 2024 will earn an application bonus of a HKD500 Apple gift card, regardless of approval! Those who apply for loan amount will also be eligible for the MoneySmart exclusive gift of a HKD500 Apple Store gift card / PARKnSHOP supermarket voucher / HKTVmall e-voucher 🎉Rewards valued at up to HKD 7,888💰 Existing customers can also enjoy the exclusive MoneySmart offer of a HKD 500 Apple Store gift card, PARKnSHOP supermarket voucher, or HKTVmall e-voucher! Rewards valued at up to HKD7,388💰

Valid until 31 Dec 2024 - See more details below
Apply Now
Standard Chartered Personal Instalment Loan  (Applicable to Tax Season)

Monthly Payment

HK$8,873

Monthly Payment
MoneySmart Exclusive
APR*
6.28%
Total Amount Payable
HK$212,960
Total Interest Payable
HK$12,960
Monthly Payment
HK$8,873

【MoneySmart Exclusive Offer 】APR as low as 1.85%^, Get total rewards up to HK$26,698!
From now on until 2 January 2025, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to Samsung Galaxy Z Flip6  (value: $8,698) or iPad Air 13-inch 256GB (Value: HK$7,099)Mac mini (M4, 256GB SSD, 16GB RAM) (Value: HK$4,599) or up to HK$7,800 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher/ HKTVmall e-Voucher!

Valid until 02 Jan 2025 - See more details below
Apply Now
PrimeCredit Civil Servant & Professional Loan

Monthly Payment

HK$8,433

Monthly Payment
MoneySmart Exclusive
The Lowest APR
1.18%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433
【PrimeCredit Offer】 Up to HK$18,000 Cash Bonus!
Valid until 31 Dec 2024 - See more details below
Apply Now
WeLab Bank Personal Instalment Loan (Applicable during tax season)

Monthly Payment

HK$8,493

Monthly Payment
Upgraded Offers!
APR*
1.68%
Total Amount Payable
HK$203,840
Total Interest Payable
HK$3,840
Monthly Payment
HK$8,493
Read More
【MoneySmart Exclusive Product】WeLend Civil Servant & Professional Loan

Monthly Payment

HK$8,573

Monthly Payment
The lowest APR
1.38%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573
Read More
CNCBI $mart Plus Personal Instalment Loan - Debt Consolidation

Monthly Payment

HK$8,900

Monthly Payment
MoneySmart Exclusive
APR*
6.72%
Total Amount Payable
HK$209,600
Total Interest Payable
HK$9,600
Monthly Payment
HK$8,900

【Limited-time Offer -HK$200 Straight to your FPS account!】
Apply for CNCBI $mart Plus Tax Season Loan / CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate via MoneySmart and submit all the required documents, you can earn HK$200 cash rebate regardless of approval (automatically converted by 2,000 SmartPoints and will directly deposit into your FPS account)!⠀⠀
⠀⠀
【CITIC Bank x MoneySmart Exclusive Offer 】- Get total reward up to HK$6,488!
Customers successfully apply for CNCBI $mart Plus Tax Season Loan / CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate via MoneySmart and draw down the designated loan amount could enjoy up to HK$4,000 Apple Store Gift Card or PARKnSHOP Supermarket Voucher ! New gift options include but not limited to De'Longhi Magnifica S Series Fully Automatic Coffee Machine / Apple HomePod /  B&W Px7 S2e Headphone / Apple AirPods 4 with Active Noise Cancellation!

Valid until 31 Dec 2024 - See more details below
Apply Now
Citi Card Debt Consolidation Loans

Monthly Payment

HK$9,173

Monthly Payment
MoneySmart Exclusive
APR*
9.57%
Total Amount Payable
HK$220,160
Total Interest Payable
HK$20,160
Monthly Payment
HK$9,173

【💵Tax Season Extra Treats!】Apply to get up to HK$18,699 Rewards! 
New customers who successfully apply for the Citi Tax Season Loan / Citi Card Debt Consolidation Loan on or before 3 January 2025 and successfully draw down on or before 31 January 2025 would be eligible for MoneySmart exclusive gift up to an 🍎 iPhone 16 Plus 512GB (valued: HK$10,199) /  HK$10,000 Apple Store Gift Card / PARKnSHOP supermarket vouchers! The welcome offer from the bank is as high as an $8,000 cash voucher!

Valid until 03 Jan 2025 - See more details below
Apply Now
PrimeCredit Balance Transfer Loan

Monthly Payment

HK$8,433

Monthly Payment
MoneySmart Exclusive
The Lowest APR
1.18%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433
【PrimeCredit Offer】 Up to HK$18,000 Cash Bonus!
Valid until 31 Dec 2024 - See more details below
Apply Now
Standard Chartered Debt Consolidation Program  (Applicable to Tax Season)

Monthly Payment

HK$8,736

Monthly Payment
MoneySmart Exclusive
APR*
4.67%
Total Amount Payable
HK$209,672
Total Interest Payable
HK$9,672
Monthly Payment
HK$8,736

【MoneySmart Exclusive Offer 】Get total rewards up to HK$29,698!
From now on until 2 January 2025, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to Samsung Galaxy Z Flip6  (value: $8,698) or iPad Air 13-inch 256GB (Value: HK$7,099)Mac mini (M4, 256GB SSD, 16GB RAM) (Value: HK$4,599) or up to HK$7,800 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher/ HKTVmall e-Voucher!

Valid until 02 Jan 2025 - See more details below
Apply Now
DBS Personal Instalment Loan

Monthly Payment

HK$8,733

Monthly Payment
MoneySmart Exclusive
Instant cash out single-handedly
APR as low as*
5.91%
Total Amount Payable
HK$209,600
Total Interest Payable
HK$9,600
Monthly Payment
HK$8,733

【🔝Offer Upgrade -Get up to a total of HK$19,200 rewards
New customers who successfully apply and drawdown DBS Personal Instalment Loan via MoneySmart can get up to HK$12,000 rewards + Extra up to 72,000 SmartPoints! 
⠀⠀
72,000 SmartPoints can fully redeem HK$7,200 cash vouchers (over 20+ brand vouchers including Apple / PARKnSHOP supermarket voucher, etc) or SAMSUNG Galaxy S24 Plus 256GB (Value: HK$7,598) or SAMSUNG The Freestyle Projector 2nd Gen (Value: HK$6,980) or 11-inch iPad Pro Wi-Fi 128GB (Value: HK$6,499) or cash out HK$4,800 via FPS. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints!

Valid until 31 Dec 2024 - See more details below
Apply Now
DBS Debt Consolidation Loan

Monthly Payment

HK$8,713

Monthly Payment
MoneySmart Exclusive
Loan amount up to HK$2,000,000
APR*
6.49%
Total Amount Payable
HK$209,120
Total Interest Payable
HK$9,120
Monthly Payment
HK$8,713

【💰Take a step to building your wealth by consolidating your debts today! 】
New customers who successfully apply and drawdown DBS Debt Consolidation Loan via MoneySmart can get up to HK$23,800 rewards + Extra up to 82,000 SmartPoints! Get up to a total HK$32,000 reward!
⠀⠀
82,000 SmartPoints can fully redeem HK$8,200 cash vouchers (over 20+ brand vouchers including Apple / PARKnSHOP supermarket voucher, etc) or SAMSUNG Galaxy Z Flip 6 5G (8GB RAM + 256GB) (Value: HK$8,698) or 11-inch iPad Pro Wi-Fi 256GB (Value: HK$7,999) or SAMSUNG The Freestyle Projector 2nd Gen (Value: HK$6,980) or cash out HK$5,466 via FPS. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints!

Valid until 31 Dec 2024 - See more details below
Apply Now
WeLab Bank Card Debt Consolidation Loan

Monthly Payment

HK$8,693

Monthly Payment
Upgraded Offers!
APR*
4.11%
Total Amount Payable
HK$208,640
Total Interest Payable
HK$8,640
Monthly Payment
HK$8,693
Read More
WeLend Personal Loan

Monthly Payment

HK$8,573

Monthly Payment
The lowest APR*
1.38%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573
Read More
WeLend Card Debt Consolidation Loan

Monthly Payment

HK$8,573

Monthly Payment
The lowest APR
1.88%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573
Read More

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Personal Loans in Hong Kong

Personal LoansAPRMAX. LOAN AMOUNT
Citi Speedy Cash1.78%HK$3,500,000 or 12x monthly salary
WeLend Personal Loan1.88%HK$600,000
DBS Personal Instalment Loan2.2%HK$2,000,000 or 20x monthly salary
PrimeCredit Civil Servant & Professional Loan1.18%HK$600,000
Dah Sing Express Money2.75%HK$2,000,000 or 14x monthly salary
Promise Easy Loan4.49%HK$600,000
PrimeCredit Fixed Loan1.18%HK$600,000 or 18x monthly salary

Personal Loans Glossary

APR (Annual Percentage Rate)

APR (Annual Percentage Rate) is calculated by taking into account the interest rate on a loan and any other lender charges such as handling fee. APR is used to compare different loan products, making the process of finding the right loan easier.

Monthly Flat Rate

The difference between an interest rate and an APR is that the lender charges are added to APR. Therefore the APR of a loan is usually higher than its interest rate if it comes with lender charges.

Unsecured Loan

Lenders approve unsecured loans based on a borrower's credit history instead of relying on the borrower's assets as security. Examples of unsecured loans are personal loans, credit cards, etc.

Secured Loan

A secured loan e.g. mortgage loan is money you borrow that is secured against an asset that you own.

Overdraft

An overdraft is an extension of credit from a lender that is granted when the account has no or insufficient funds. This allows you to continue withdrawing money even when your account reaches zero.

Poor credit

A person is considered to have poor credit if he/she has a history of not paying his/her bills on time. Poor credit is often reflected as a low credit score. Lenders will use it for reference when approving for any loan/ credit card applications. People with poor credit will find it harder to get a loan or get a credit card.

Revolving Credit

Revolving credit is a credit account that allows you to repeatedly borrow money up to a set limit and pay it back over time. Everytime you repay, it will replenish the amount available to you.

Types of Personal Loans

There are different types of personal loans catering to different purposes and varying in its interest rates and availability. Not sure which one is the best for you? Check out the various personal loans below!

Quick Loan

Quick loan products are created to offer immediate solutions for cash emergencies. It is often deposited the same day of the application being approved. However, they usually come with smaller loan amounts.

Debt Consolidation Loan

Debt consolidation loan is designed for borrowers with multiple loans. With debt consolidation, borrowers can transfer higher-interest debt to a lower-interest debt repayment by gathering all outstanding unsecured loans into one monthly payment to save on interest and enjoy a reduced repayment amount and a shortened repayment period.

Tax Loan

Tax loan is a type of personal loan available only during tax season with lower-than-usual interest rates. You can use tax loan for tax payment and other purposes including home furnishing, wedding, education, etc.

Car Loan

Car loans are loans you use to buy a car. It is often taken care of by the car dealer, and the interest rate is less transparent compared to personal loans and it usually comes with restrictions on the car’s age.

Tips for Comparing Loans in Hong Kong

1. Compare Annual Percentage Rate (APR)

APR reflects the actual expenses of your loans which includes interest rate, admin fees, handling fees etc. You may hear of Monthly Flat Rate which is only a calculation based on the repayment amount and not describing the actual monthly repayment situation.

2. Choose the loan plan that serves your financial needs

Different types of Personal Instalment Loans serve different purposes. For example, monthly instalment loans serve scaled expenses, balance transfer loans ease high-interest debts, and tax loans usually have lower interest rates. When comparing loan plans, you should not only focus on interest rates, but also consider whether they cater to your financial needs.

3. Evaluate your ability to repay the loan

Banks and money lenders issue loan amounts which are about 12 to 21 months of borrower’s salary. The loan amount and interest rate are partly based on their credit score. Therefore, applicants with higher salary and better credit score may be given a larger loan amount. However, applicants need to consider whether or not they are able to repay the loan amount. To borrow or not to borrow? Borrow only if you can repay!

Benefits of Personal Loans

Ease your cash flow concerns

Personal loans are a form of unsecured loans, which means you can get a loan without collaterals. Therefore, instead of relying on a borrower's assets as security, it is based solely on the borrower's creditworthiness. Personal loan is a good solution to cash flow issues. Banks and private money lenders offer loan plans with longer repayment period. Some of them are even up to 72 months. So now you are able to manage cash flow with higher flexibility.

Simple application process

As long as you’re 18 or above and having a monthly salary of at least HK$5,000, you’re welcome to apply for personal loans. Bring your identity card, residential address proof, bank statement, and salary slip and you’re good to go!

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Applying for Quick Personal Loans

Nowadays, many banks or money lenders such as DBS or Citibank offer quick loans with a fast application process. Borrowers can apply online and without having to show up throughout the entire loan application process.
Quick loans are designed to be approved in a short period of time, typically within 1 hour. Loan applicants can expect to have the loan transferred to their bank account soon after the approval of their quick loan online application. There are loans that provide instant approval feature which is ideal for people who want to get its financing promptly.

Personal Instalment Loans Repayment Period & APR Summary

Personal loanMin. - Max. Repayment PeriodMin. - Max. APR
Promise Easy Loan6 - 84 MonthsAPR 4.49% or above, Max. at 59.26%
PrimeCredit Fixed Loan6 - 60 MonthsAPR 2.38% or above, Max. at 60.00%
WeLend Personal Loan12 - 60 MonthsAPR 2.79% or above, Max. at 59.90%
DBS Debt Consolidation Loan6 - 72 MonthsAPR 4.27% or above, Max. at 30.57%
UA "NO SHOW" Personal Loan6 - 60 MonthsAPR 6.18% or above, Max. at 48.00%
Standard Chartered Personal Instalment Loan12 - 60 MonthsAPR 4.94% or above, Max. at 5.35%
CNCBI $mart Plus Personal Installment Loan12 - 60 MonthsAPR 5.86% or above, Max. at 38.08%
BEA Tax Season Instalment Loan12 - 60 MonthsAPR 1.78% or above, Max. at 20.37%
Citi Speedy Cash6 - 60 MonthsAPR 1.38% or above
PrimeCredit Civil Servant & Professional Loan6 - 60 MonthsAPR 2.38% or above, Max. at 60.00%
BoCom(HK) DreamCash Personal Loan12 - 60 MonthsAPR 6.35% or above, Max. at 7.95%
CNCBI $mart Plus Personal Installment Loan – Debt Consolidation12 - 60 MonthsAPR 7.33% or above, Max. at 38.08%
BOC Express Cash Instalment Loan12 - 60 MonthsAPR 3.08% or above, Max. at 40.59%
CCBA Personal Loan6 - 60 MonthsAPR 1.56% or above, Max. at 13.00%
WeLend Card Debt Consolidation Loan12 - 60 MonthsAPR 4.33% or above, Max. at 59.90%
PrimeCredit Balance Transfer Loan6 - 60 MonthsAPR 2.38% or above, Max. at 60.00%
AEON Flexi Loan12 - 60 MonthsAPR 4.49% or above, Max. at 47.73%
Hang Seng Debt Consolidation Instalment Loan12 - 72 MonthsAPR 6.44% or above, Max. at 48.00%
UA i-Money Internet Personal Loan12 - 60 MonthsAPR 6.18% or above, Max. at 48.00%

MoneySmart Personal Loan Calculator

Before applying for personal loan, it is imperative that applicants calculate the interest payable first. MoneySmart Personal Loan Calculator helps you do just that. Most loan calculators online can only calculate repayment amount based on a static loan amount and APR, yet the APR of most loan products actually varies based on repayment period and loan amount. These loan calculators may therefore be unable to show the most accurate amount payable.


On the contrary, MoneySmart Personal Loan Calculator adjusts APR and calculates total amount payable of each loan product based on the loan amount, loan tenure and monthly income entered, making it easy for users to compare all Loan products with a more accurate total interest payable.


Please note that Providers have the final say on the interest rates they offer you.

Frequently Asked Questions

What exclusive offers can I enjoy if I apply for personal loan through MoneySmart?

MoneySmart partners with various loan providers to offer exclusive offers: New customers who successfully apply and drawdown Citi Tax Season Loan (APR as low as 1.78%) can enjoy up to $18,899 rewards! Check out more exclusive offers on MoneySmart NOW!

How fast can I get a personal loan in HK?

Some personal loans in HK offer instant approval, best for people looking for a quick loan. Simply select the Instant Approval filter on our page and you will find a list of quick loans!

Am I eligible for personal loan application?

If you’re above 18 and earning HK$5,000+/month, you’re welcomed to apply for loans. Simply bring your identity card, residential address proof, bank statement, and salary slip, and you’re good to go!

Can I apply for personal loan if I have a bad credit score?

There are personal loans available to people with a low credit score and they are mostly offered by Lending Companies. However, do keep in mind that the interest rates from these companies are usually higher than those from the banks. Popular money lenders in Hong Kong include Promise, WeLend, UA Finance, and AEON. Before borrowing from these companies, you can also check out our Guide on borrowing from Money Lenders.

What do I need to prepare for my loan application?

You’ll need these are the documents for your personal loan:
  • Photocopy of your HKID card (both sides);
  • Residential address proof (e.g. electricity bill, demand notes for rates);
  • Salary proof of the latest month (e.g. salary proof, bank statement).
If you’re self-employed, you may need to submit a full set of the latest Profits Tax Demand Note.

Do personal loans have extra handling fee?

Yes and no. Some banks will calculate your handling fee yearly. If you’re getting a revolving loan, the bank may charge you extra withdrawal fees.

Where can I get a personal loan?

Banks and money lenders offer in-person or online loan applications.

How long can my personal loan repayment period be?

Normally, it’s 3 to 72 months. Banks and lenders will set you a fixed monthly repayment amount. The longer the repayment period, the lower the repayment amount, and the higher the interest rate.