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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
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We found 9 Personal Loans for you!
Recommended
Citi Tax Season Loan

Monthly Payment

HK$8,473

MoneySmart Exclusive

Citi Tax Season Loan

APR*
1.56%
Total Amount Payable
HK$203,360
Total Interest Payable
HK$3,360
Monthly Payment
HK$8,473

【💵Tax Season Extra Treats!】Apply to get up to HK$19,087Rewards! 
New customers who successfully apply for the Citi Tax Season Loan / Citi Card Debt Consolidation Loan on or before 3 February 2025 and successfully draw down on or before 28 February 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!
⠀⠀
【Limited time MoneySmart $500 cash offer!】New customers who successfully apply for the Citi Tax Season Loan / Citi Card DebtConsolidation Loan on or before 17 January 2025 is entitled to extra $500 cash#!  (Automatically converted into HK$1,100 cash rebate and directly deposit into your FPS account.)
⠀⠀
🧧Extra Prosperity【Apply for a Loan and Get HK$388 Cash Laisee!】
From now until 28 Jan, customers who successfully applied for Citi Tax Season Loan / Citi Card Debt Consolidation Loan via MoneySmart with the required documents submitted, can enjoy HK$388 cash (automatically converted by 3,880 SmartPoints) directly deposited into your FPS account -  regardless of approval! T&C applies.

Valid until 28 Jan 2025 - See more details below
Apply Now
Apply Now
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WeLend Personal Loan (Available for tax season)

Monthly Payment

HK$8,573

MoneySmart Exclusive

WeLend Personal Loan (Available for tax season)

The lowest APR*
1.38%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573

🧧Extra Prosperity【Apply for a Loan and Get HK$388 Cash Laisee!】
From now until 28 Jan, customers who successfully applied for WeLend Personal Loan (Available for tax season) / Card Debt Consolidation Loan / Civil Servant & Professional Loan / Personal Loan via MoneySmart with the required documents submitted (for Citi), can enjoy HK$388 cash (automatically converted by 3,880 SmartPoints) directly deposited into your FPS account -  regardless of approval! T&C applies.

Valid until 28 Jan 2025 - See more details below
Apply Now
More Details
WeLab Bank Personal Instalment Loan (Applicable during tax season)

Monthly Payment

HK$8,493

MoneySmart Exclusive
Upgraded Offers！

WeLab Bank Personal Instalment Loan (Applicable during tax season)

APR*
1.68%
Total Amount Payable
HK$203,840
Total Interest Payable
HK$3,840
Monthly Payment
HK$8,493

【Upgraded Offer – up to $32,256 rewards】 Seize market opportunities💰Click in secure capital in 3 steps 
From 9 January until 31 January, apply for Personal Instalment Loan via MoneySmart using promo code 「NLSMRT」and submit all required documents, you can earn the application bonus of HK$800 vouchers (given out as 8,000 SmartPoints) regardless of approval! But thats not all! If you successfully apply and drawdown a loan through MoneySmart, you can receive cash rebate up to HK$23,888 offered by WeLab Bank and MoneySmart exclusive rewards up to HK$7,180 as well!

🧧Extra Prosperity【Apply for a Loan and Get HK$388 Cash Laisee!】
From now until 28 Jan, customers who successfully applied for WeLab Bank Personal Instalment Loan (Applicable during tax season) / WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals) / WeLab Bank Card Debt Consolidation Loan via MoneySmart with the required documents submitted, can enjoy HK$388 cash (automatically converted by 3,880 SmartPoints) directly deposited into your FPS account -  regardless of approval! T&C applies.

Valid until 28 Jan 2025 - See more details below
Apply Now
More Details
Citi Card Debt Consolidation Loans

Monthly Payment

HK$9,173

MoneySmart Exclusive

Citi Card Debt Consolidation Loans

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$19,087Rewards! 
New customers who successfully apply for the Citi Tax Season Loan / Citi Card Debt Consolidation Loan on or before 3 February 2025 and successfully draw down on or before 28 February 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!
⠀⠀
【Limited time MoneySmart $500 cash offer!】New customers who successfully apply for the Citi Tax Season Loan / Citi Card DebtConsolidation Loan on or before 17 January 2025 is entitled to extra $500 cash#!  (Automatically converted into HK$1,100 cash rebate and directly deposit into your FPS account.)
⠀⠀
🧧Extra Prosperity【Apply for a Loan and Get HK$388 Cash Laisee!】
From now until 28 Jan, customers who successfully applied for Citi Tax Season Loan / Citi Card Debt Consolidation Loan via MoneySmart with the required documents submitted, can enjoy HK$388 cash (automatically converted by 3,880 SmartPoints) directly deposited into your FPS account -  regardless of approval! T&C applies.

Valid until 28 Jan 2025 - See more details below
Apply Now
Apply Now
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More Details
WeLend Card Debt Consolidation Loan

Monthly Payment

HK$8,573

MoneySmart Exclusive

WeLend Card Debt Consolidation Loan

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

🧧Extra Prosperity【Apply for a Loan and Get HK$388 Cash Laisee!】
From now until 28 Jan, customers who successfully applied for WeLend Personal Loan (Available for tax season) / Card Debt Consolidation Loan / Civil Servant & Professional Loan / Personal Loan via MoneySmart with the required documents submitted (for Citi), can enjoy HK$388 cash (automatically converted by 3,880 SmartPoints) directly deposited into your FPS account -  regardless of approval! T&C applies.

Valid until 28 Jan 2025 - See more details below
Apply Now
More Details
【MoneySmart Exclusive Product】WeLend Civil Servant & Professional Loan

Monthly Payment

HK$8,573

MoneySmart Exclusive

【MoneySmart Exclusive Product】WeLend Civil Servant & Professional Loan

The lowest APR
1.38%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573

🧧Extra Prosperity【Apply for a Loan and Get HK$388 Cash Laisee!】
From now until 28 Jan, customers who successfully applied for WeLend Personal Loan (Available for tax season) / Card Debt Consolidation Loan / Civil Servant & Professional Loan / Personal Loan via MoneySmart with the required documents submitted (for Citi), can enjoy HK$388 cash (automatically converted by 3,880 SmartPoints) directly deposited into your FPS account -  regardless of approval! T&C applies.

Valid until 28 Jan 2025 - See more details below
Apply Now
More Details
WeLend Personal Loan

Monthly Payment

HK$8,573

MoneySmart Exclusive

WeLend Personal Loan

The lowest APR*
1.38%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573

🧧Extra Prosperity【Apply for a Loan and Get HK$388 Cash Laisee!】
From now until 28 Jan, customers who successfully applied for WeLend Personal Loan (Available for tax season) / Card Debt Consolidation Loan / Civil Servant & Professional Loan / Personal Loan via MoneySmart with the required documents submitted (for Citi), can enjoy HK$388 cash (automatically converted by 3,880 SmartPoints) directly deposited into your FPS account -  regardless of approval! T&C applies.

Valid until 28 Jan 2025 - See more details below
Apply Now
More Details
CreFIT Cash Loan

Monthly Payment

HK$9,019

MoneySmart Exclusive

CreFIT Cash Loan

APR as low as*
1.98%
Total Amount Payable
HK$216,464
Total Interest
HK$16,464
Monthly Payment
HK$9,019

🧧Extra Prosperity【Apply for a Loan and Get HK$388 Cash Laisee!】
From now until 28 Jan, customers who successfully applied for CreFIT Cash Loan via MoneySmart , can enjoy HK$388 cash (automatically converted by 3,880 SmartPoints) directly deposited into your FPS account -  regardless of approval! T&C applies.

Valid until 29 Jan 2025 - See more details below
Apply Now
More Details
WeLab Bank Card Debt Consolidation Loan

Monthly Payment

HK$8,693

MoneySmart Exclusive
Upgraded Offers！

WeLab Bank Card Debt Consolidation Loan

APR*
4.11%
Total Amount Payable
HK$208,640
Total Interest Payable
HK$8,640
Monthly Payment
HK$8,693

【Upgraded Offer – up to $32,256 rewards】 Seize market opportunities💰Click in secure capital in 3 steps 
From 9 January until 31 January, apply for WeLab Bank Card Debt Consolidation Loan via MoneySmart using promo code 「NLSMRT」and submit all required documents, you can earn the application bonus of HK$800 vouchers (given out as 8,000 SmartPoints) regardless of approval! But thats not all! If you successfully apply and drawdown a loan through MoneySmart, you can receive cash rebate up to HK$23,888 offered by WeLab Bank and MoneySmart exclusive rewards up to HK$7,180 as well!

🧧Extra Prosperity【Apply for a Loan and Get HK$388 Cash Laisee!】
From now until 28 Jan, customers who successfully applied for WeLab Bank Personal Instalment Loan (Applicable during tax season) / WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals) / WeLab Bank Card Debt Consolidation Loan via MoneySmart with the required documents submitted, can enjoy HK$388 cash (automatically converted by 3,880 SmartPoints) directly deposited into your FPS account -  regardless of approval! T&C applies.

Valid until 28 Jan 2025 - See more details below
Apply Now
More Details

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.

Read more on Personal loans:

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.