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Compare the Best Personal Loans Rates and APRs 2021

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
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We found 36 Personal Loans for you!
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邦民日本財務 logo

Monthly Payment

HK$8,533

Welcome Offer
Approval on Sundays

Promise Easy Loan

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 Jun 2021 - See more details below
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Citibank 花旗銀行 logo

Monthly Payment

HK$8,413

MoneySmart Exclusive

Citi Speedy Cash

APR*
1.78%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413

【Limited Time Offer】New customer who successfully apply and drawdown Citi Speedy Cash or Citi Card Debt Consolidation Loan can get up to HK$3,000 Cash Voucher + Extra iPhone 12 / PS 5 / Apple Watch / up to HK$7,000 Voucher!!!

Valid until 30 Jun 2021 - See more details below
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安信信貸 logo

Monthly Payment

HK$8,433

MoneySmart Exclusive

PrimeCredit Fixed Loan

APR*
2.38%
Total Amount Payable
HK$101,200
Total Interest Payable
HK$1,200
Monthly Payment
HK$8,433
Up to $8000 Cash Bonus will be rewarded upon successful applications via MoneySmart！
Valid until 30 Jun 2021 - See more details below
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UA 亞洲聯合財務 logo

Monthly Payment

HK$8,603

MoneySmart Exclusive
No documents required

UA "NO SHOW" Personal Loan

APR*
6.18%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603

[UA Limited Time Double Reward] Up to HK$5,000 Welcome Cash Reward* + Extra Nintendo Switch Lite# or HK$1,500 supermarket voucher# (exclusive reward given by MoneySmart) !

Valid until 30 Jun 2021 - See more details below
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SCB 渣打銀行 logo

Monthly Payment

HK$8,553

MoneySmart Exclusive
APR as low as 1.75%

Standard Chartered Personal Instalment Loan

APR*
4.94%
Total Amount Payable
HK$102,634
Total Interest Payable
HK$2,634
Monthly Payment
HK$8,553

Get up to extra HK$4,000 supermarket voucher(provided by MoneySmart) and up to HK$4,000 cash rebate(provided by SCBHK) apply through MoneySmart! 

Valid until 30 Jun 2021 - See more details below
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WeLend logo

Monthly Payment

HK$8,458

Promotion
Income proof free for designated loan amount

WeLend Personal Loan

APR*
2.79%
Total Amount Payable
HK$101,500
Total Interest Payable
HK$1,500
Monthly Payment
HK$8,458
Promotion:
Customer can receive cash rebate up to $5,200 upon successful draw down! A.I. Fully Automated Loan Faster Than Fast. Quotation calculated in 1 second, complete your application instantly! 
Valid until 05 Jul 2021 - See more details below
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DBS 星展銀行 logo

Monthly Payment

HK$8,343

MoneySmart Exclusive
1-minute approval and same day disbursement

DBS Personal Instalment Loan

APR*
4.04%
Total Amount Payable
HK$100,120
Total Interest Payable
HK$120
Monthly Payment
HK$8,343

Customer who successfully apply and drawdown DBS Personal Instalment Loan can get up to HK$2,200  “InstaRedeem” + Extra up to HK$7,800 SupermarketCash Voucher/Apple Gift Card!!

Valid until 30 Jun 2021 - See more details below
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中信銀行(國際) logo

Monthly Payment

HK$8,593

0% Handling Fee APR as low as 1.90%

CNCBI $mart Plus Personal Installment Loan

APR*
5.86%
Total Amount Payable
HK$103,120
Total Interest Payable
HK$3,120
Monthly Payment
HK$8,593
Apply Now
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BEA 東亞銀行 logo

Monthly Payment

HK$8,413

0% handling fee

BEA Tax Season Instalment Loan

APR*
1.78%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413
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恒生銀行 logo

Monthly Payment

HK$8,593

up to HK$1,500 cash rebate for online application

Hang Seng Personal Instalment Loan

APR*
5.86%
Total Amount Payable
HK$103,120
Total Interest Payable
HK$3,120
Monthly Payment
HK$8,593
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安信信貸 logo

Monthly Payment

HK$8,433

MoneySmart Exclusive
14-day Flexi Payment

PrimeCredit Civil Servant & Professional Loan

APR*
2.38%
Total Amount Payable
HK$101,200
Total Interest Payable
HK$1,200
Monthly Payment
HK$8,433
Up to $8000 Cash Bonus will be rewarded upon successful applications via MoneySmart！
Valid until 30 Jun 2021 - See more details below
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中信銀行(國際) logo

Monthly Payment

HK$8,570

Repayment period up to 72 Months

CNCBI $mart Plus Personal Installment Loan – Debt Consolidation

APR*
7.33%
Total Amount Payable
HK$102,844
Total Interest Payable
HK$2,844
Monthly Payment
HK$8,570
Apply Now
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BOC 中國銀行 logo

Monthly Payment

HK$8,451

BOC Express Cash Instalment Loan

APR*
4.56%
Total Amount Payable
HK$101,412.40
Total Interest Payable
HK$1,412.40
Monthly Payment
HK$8,451
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DBS 星展銀行 logo

Monthly Payment

HK$8,353

MoneySmart Exclusive
Loan amount up to HK$2,000,000

DBS Debt Consolidation Loan

APR*
4.27%
Total Amount Payable
HK$100,240
Total Interest Payable
HK$240
Monthly Payment
HK$8,353

Customer who successfully apply and drawdown DBS Debt Consolidation Loan can get up to HK$3,300 SupermarketCash Voucher + Extra up to HK$1,200 SupermarketCash Voucher/Apple Gift Card!!!

Valid until 30 Jun 2021 - See more details below
Apply Now
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WeLend logo

Monthly Payment

HK$8,458

Promotion
3 tailored repayment plans suggestion

WeLend Card Debt Consolidation Loan

APR*
2.79%
Total Amount Payable
HK$101,500
Total Interest Payable
HK$1,500
Monthly Payment
HK$8,458
Promotion:
A.I. calculates the best interest-saving repayment plan with precision. Clear all your debt and revitalize your credit score!
Valid until 05 Jul 2021 - See more details below
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安信信貸 logo

Monthly Payment

HK$8,433

MoneySmart Exclusive
Professional suggestions on best repayment plan

PrimeCredit Balance Transfer Loan

APR*
2.38%
Total Amount Payable
HK$101,200
Total Interest Payable
HK$1,200
Monthly Payment
HK$8,433
Up to $8000 Cash Bonus will be rewarded upon successful applications via MoneySmart！
Valid until 30 Jun 2021 - See more details below
Apply Now
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錢達人Credit Master logo

Monthly Payment

HK$8,533

Fast Loan

APR*
4.4%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Apply Now
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AEON信貸財務(亞洲) logo

Monthly Payment

HK$8,533

MoneySmart Exclusive
Flexible repayment period to 60 months

AEON Flexi Loan

APR*
4.48%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533

$200 Apple Gift Card for successful applications via MoneySmart！

Valid until 30 Sep 2021 - See more details below
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UA 亞洲聯合財務 logo

Monthly Payment

HK$8,603

MoneySmart Exclusive
Approval and cash transfer even on Sat and Sun

UA i-Money Express Online Personal Loan

APR*
6.18%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603

[UA Limited Time Double Reward] Up to HK$5,000 Welcome Cash Reward* + Extra Nintendo Switch Lite# or HK$1,500 supermarket voucher# (exclusive reward given by MoneySmart) !

Valid until 30 Jun 2021 - See more details below
Apply Now
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SCB 渣打銀行 logo

Monthly Payment

HK$8,754

MoneySmart Exclusive
Up to HK$8,000 cash rebate for online application

Standard Chartered Debt Consolidation Program

APR*
9.6%
Total Amount Payable
HK$105,052
Total Interest Payable
HK$5,052
Monthly Payment
HK$8,754

Get up to extra HK$4,000 supermarket voucher(provided by MoneySmart) and up to HK$4,000 cash rebate(provided by SCBHK) apply through MoneySmart! 

Valid until 30 Jun 2021 - See more details below
Apply Now
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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.

Compare HK Personal Loans and APR

Personal Loan Plans Max. Loan AmountMin. - Max. APR & Repayment Period
Citi Tax Season LoanHK$2,000,000 or 12x monthly salaryAPR 1.78% or above, Max. at 44.72% ; 6 - 60 Months repayment period
Dah Sing Express MoneyHK$1,000,000 or 10x monthly salaryAPR 7.26% or above, Max. at 48.00% ; 12 - 60 Months repayment period
Promise Easy LoanHK$600,000APR 4.49% or above, Max. at 59.26% ; 6 - 84 Months repayment period
PrimeCredit Fixed LoanHK$600,000 or 18x monthly salaryAPR 2.38% or above, Max. at 60.00% ; 6 - 60 Months repayment period
Hang Seng Personal Instalment LoanHK$2,500,000 or 15x monthly salaryAPR 5.86% or above, Max. at 48.00% ; 12 - 60 Months repayment period
DBS Debt Consolidation LoanHK$2,000,000 or 21x monthly salaryAPR 4.27% or above, Max. at 30.57% ; 12 - 72 Months repayment period

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!

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 xxxxxx. 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%
Citi Tax Season Loan6 - 60 MonthsAPR 1.78% or above, Max. at 44.72%
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 3.36% or above, Max. at 44.72%
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 offers are available if I apply for Personal Loan through MoneySmart?

MoneySmart collaborates with various banks and lending companies to offer exclusive personal loan offers: New customer who successfully apply and drawdown Citi Loan can get up to HK$9,000 Cash Voucher and Apple Gift Card; successful applicants of Prime Credit Loans can get up to HK$8,000 Cash Bonus; Users who apply and drawdown DBS loan successfully will be awarded up to HK$7,800 Supermarket Cash Voucher/Apple Gift Card! Apply Now to enjoy limited time offers!

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!

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 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.