Compare the Best Personal Loans Rates and APRs 2020

Compare personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now! Read More
100,000 personal loan Paid over 12 Months
HK$
We found 36 Personal Loans for you!
Sponsored
邦民日本財務 logo

Monthly Payment

HK$8,533

Monthly Payment
Welcome Offer
Approval on Sundays
APR*
4.49%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Welcome Offer:
Up to HK$5,000 instant cash reward to new customers▲! Welcome Hong Kong non-permanent residents with 3 months and above working visa validity※ 
Valid until 30 Nov 2020 - See T&Cs below
Apply Now
Citibank 花旗銀行 logo

Monthly Payment

HK$8,413

Monthly Payment
MoneySmart Exclusive
APR*
1.78%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413
New customer who successfully apply and drawdown Citi Tax Season Loan can get up to HK$6,000 Cash Voucher + Extra up to HK$4,000 Supermarket Voucher!!!
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
亞洲聯合財務 logo

Monthly Payment

HK$8,333

Monthly Payment
MoneySmart Exclusive
HK$300 Godiva voucher
APR*
0.0%
Total Amount Payable
HK$100,000
Total Interest Payable
HK$0
Monthly Payment
HK$8,333
HK$300 GODIVA gift voucher per validated application 
Valid until 30 Nov 2020 - See T&Cs below
Apply Now
WeLend logo

Monthly Payment

HK$8,457

Monthly Payment
Promotion
Income proof free for designated loan amount
APR*
2.79%
Total Amount Payable
HK$100,480
Total Interest Payable
HK$484.80
Monthly Payment
HK$8,457
Promotion:
New customer who successfully apply can get HK$300 supermarket cash coupon! Skip Proof of Income and Address, enhanced A.I. instant approval more to your needs!
Valid until 04 Jan 2021 - See T&Cs below
Apply Now
 安信信貸 logo

Monthly Payment

HK$8,533

Monthly Payment
MoneySmart Exclusive
10-minute approval and disbursement in an hour
APR*
4.64%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Up to $12,000 Cash Bonus for successful applications via MoneySmart!
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
亞洲聯合財務 logo

Monthly Payment

HK$8,603

Monthly Payment
No documents required
APR*
6.18%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603
Apply Now
中國建設銀行(亞洲) logo

Monthly Payment

HK$8,593

Monthly Payment
MoneySmart Exclusive
Instant approval and same day funds disbursement
APR*
5.86%
Total Amount Payable
HK$103,120
Total Interest Payable
HK$3,120
Monthly Payment
HK$8,593
For successful application and drawdown, you may get a Nintendo Switch Lite or $1400 Apple gift card (exclusive reward given by MoneySmart) + Up to HK$6,000 cash rewards(From CCBA)
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
渣打銀行 logo

Monthly Payment

HK$8,553

Monthly Payment
Promotion
APR as low as 1.98%
APR*
4.94%
Total Amount Payable
HK$102,634
Total Interest Payable
HK$2,634
Monthly Payment
HK$8,553
Promotion:
Online Offer up to HK$3,000 Cash Rebate
Valid until 30 Nov 2020 - See T&Cs below
Apply Now
中信銀行(國際) logo

Monthly Payment

HK$8,502

Monthly Payment
APR as low as 2.90%
APR*
5.74%
Total Amount Payable
HK$102,028
Total Interest Payable
HK$2,028
Monthly Payment
HK$8,502
Read More
交通銀行 logo

Monthly Payment

HK$8,612

Monthly Payment
Online Promo
up to HK$4,500 Credit Rebate
APR*
6.35%
Total Amount Payable
HK$102,340
Total Interest Payable
HK$2,340
Monthly Payment
HK$8,612
Online Promo:
Apply online to enjoy up to HK$4,500 Credit Rebate for loan drawdown#
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
BEA 東亞銀行 logo

Monthly Payment

HK$8,413

Monthly Payment
Bank Promo
0% handling fee
APR*
1.78%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413
Bank Promo:
Up to a HK$1,000 rebate for successfully applying online or through mobile
Valid until 04 Jan 2021 - See T&Cs below
Apply Now
BEA 東亞銀行 logo

Monthly Payment

HK$8,413

Monthly Payment
Bank Promo
0% handling fee
APR*
1.78%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413
Bank Promo:
Up to a HK$1,000 rebate for successfully applying online or through mobile
Valid until 04 Jan 2021 - See T&Cs below
Apply Now
BOC 中國銀行 logo

Monthly Payment

HK$8,422

Monthly Payment
APR as low as 1.59%
APR*
1.98%
Total Amount Payable
HK$101,065.60
Total Interest Payable
HK$1,065.60
Monthly Payment
HK$8,422
Apply Now
Citibank 花旗銀行 logo

Monthly Payment

HK$8,513

Monthly Payment
MoneySmart Exclusive
No hidden terms and conditions
APR*
3.36%
Total Amount Payable
HK$102,160
Total Interest Payable
HK$2,160
Monthly Payment
HK$8,513
New customer who successfully apply and drawdown Citi Speedy Cash or Citi Card Debt Consolidation Loan, can get up to HK$4,000 MoneySmart reward 
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
 安信信貸 logo

Monthly Payment

HK$8,433

Monthly Payment
MoneySmart Exclusive
14-day Flexi Payment
APR*
2.38%
Total Amount Payable
HK$101,200
Total Interest Payable
HK$1,200
Monthly Payment
HK$8,433
Up to $12,000 Cash Bonus for successful applications via MoneySmart!
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
中信銀行(國際) logo

Monthly Payment

HK$8,573

Monthly Payment
Repayment period up to 72 Months
APR*
7.33%
Total Amount Payable
HK$102,880
Total Interest Payable
HK$2,880
Monthly Payment
HK$8,573
Read More
DBS 星展銀行 logo

Monthly Payment

HK$8,353

Monthly Payment
Loan amount up to HK$2,000,000
APR*
4.27%
Total Amount Payable
HK$100,240
Total Interest Payable
HK$240
Monthly Payment
HK$8,353
Read More
中國建設銀行(亞洲) logo

Monthly Payment

HK$8,593

Monthly Payment
up to HK$6,000 cash rebate
APR*
5.86%
Total Amount Payable
HK$103,120
Total Interest Payable
HK$3,120
Monthly Payment
HK$8,593
Apply Now
DBS 星展銀行 logo

Monthly Payment

HK$8,433

Monthly Payment
1-minute approval and same day disbursement
APR*
6.14%
Total Amount Payable
HK$101,200
Total Interest Payable
HK$1,200
Monthly Payment
HK$8,433
Read More
WeLend logo

Monthly Payment

HK$8,526

Monthly Payment
Promotion
3 tailored repayment plans suggestion
APR*
4.33%
Total Amount Payable
HK$101,296
Total Interest Payable
HK$1,308.96
Monthly Payment
HK$8,526
Promotion:
WeLend A.I. precisely calculates the best interest-saving repayment plan with precision. Clear all your debts and get Extra Cash instantly! Selected customer will can receive a SE Phone upon successful draw down.
Valid until 04 Jan 2021 - See T&Cs below
Apply Now

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. 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.

Compare Personal Instalment Loans

Bank / Lending CompaniesPersonal Loan Plans Max. Loan Amount
CitibankCiti Tax Season LoanHK$2,000,000 or 12x monthly salary
Dah Sing BankDah Sing Express MoneyHK$1,000,000 or 10x monthly salary
Bank of CommunicationsDreamCash Personal LoanHK$1,200,000 or 12x monthly salary
PromisePromise Easy LoanHK$600,000
PrimeCreditPrimeCredit Fixed LoanHK$600,000 or 18x monthly salary
UA FinanceReal 0% Interest i-Money Internet Personal LoanHK$100,000
AEONAEON Flexi LoanHK$800,000 or 8x monthly salary
Hang Seng BankHang Seng Personal Instalment LoanHK$2,500,000 or 15x monthly salary
DBSDBS Debt Consolidation LoanHK$2,000,000 or 21x monthly salary

Personal Loan Hong Kong Reviews 2020

Which Bank or Lending Company provides the best personal loan in Hong Kong?

Payback your credit card debt or improve your cash flow by applying for personal loans. Read our latest Personal Loan Reviews and find the best personal loan to suit your financial needs.

How to choose the best personal loan?

Comparing loan plans are not only about interest rates but the total costs of your loan, such as the total amount, repayment period, and handling fee. Whether it is a personal instalment loan, debt consolidation loan or revolving loan, they are expenses to your finances.

Tips for Getting Personal Loans

Tip #1Annual Percentage Rate (APR) is the key to compare loans

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 repayment situation.

Tip #2Personal loans serve different purposes

Loans help you to reduce money stress and get motivated to take control of your finances. For example, fixed instalment loans serve scaled expenses, balance transfer loans ease high-interest debts, revolving loans give extra flexibility of cash flow in a foreseeable future.

Tip #3Loan amounts are varied

Unsecured loans have no collateral backing. Banks and lenders issue loan amount which is about 12 to 21 months of borrow’s salary, and is based on their creditworthiness and promise of repayment.

Why do we need personal loans?

Ease your cash flow concern

Banks and private money lenders offer loan plans with longer repayment, some of them even extend to 72 months. So now you are able to manage cash flow with higher flexibility.

Flexible application process

As long as you’re 18+ and earning HK$5,000+/month, you’re welcomed to apply for personal loans. Bring your identity card, residential address proof, bank statement, and salary slip and you’re good to go!

Frequently Asked Questions

Am I qualified 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!

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.

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 personal 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 an 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.