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Best Car Loan in Hong Kong 2024

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200,000 personal loan Paid over 24 months
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We found 13 Personal Loans for you!
Recommended
WeLend Personal Loan

Monthly Payment

HK$8,573

MoneySmart Exclusive

WeLend Personal Loan

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

 Selected customers can receive up to HK$16,000 Cash Rebate upon successful draw down!

【🔝💥Combo offer in June - MoneySmart exclusive offer of $1,000 application bonus】 From now until 30 June, successfully apply for Welend Personal Loan/ WeLend Card Debt Consolidation Loan/ Civil Servant & Professional Loan via MoneySmart,  you can earn extra HK$500 Deliveroo Gift Card & HK$500 vouchers (given out as 5,000 SmartPoints) regardless of approval! T&Cs apply.

Valid until 30 Jun 2024 - See more details below
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UA "NO SHOW" Personal Loan - Car Loan

Monthly Payment

HK$8,873

MoneySmart Exclusive

UA "NO SHOW" Personal Loan - Car Loan

APR*
1.68%
Total Amount Payable
HK$212,960
Total Interest Payable
HK$12,960
Monthly Payment
HK$8,873

【June Exclusive: Earn HK$1,000 Regardless of Approval!】Customers who successfully applied for designated UA  loans (refers to UA "NO SHOW" Personal Loan, UA "NO SHOW" Personal Loan - Car Loan, UA i-Money Express Online Personal Loan and UA Civil Servants and Professionals Express Loan), earn an extra HK$1,000 Apple Store Gift Card/ HK$1,000 PARKnSHOP Supermarket Voucher regardless of approval!



【Win Round-trip Tickets for Two to EUROPE】 New and existing customers¹ who correctly answered the football-related question, and successfully applied for and drawdown personal instalment loan with a repayment period of 12 months or above within the Campaign Period will stand a chance to win one set of round-trip direct economy class flight tickets for two adults to Europe^! Together with the best-in-town⁺ offer of up to HK$18,000^^ Cash Reward!

Valid until 30 Jun 2024 - See more details below
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Standard Chartered Personal Instalment Loan

Monthly Payment

HK$8,873

MoneySmart Exclusive

Standard Chartered Personal Instalment Loan

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

【MoneySmart Exclusive Offer 】- Get total reward up to HK$16,450! From now on until 30 June 2024, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to SAMSUNG Galaxy S24 Ultra (S9280) - 256GB  (value: $8,450) or HK$7,800 PARKnSHOP supermarket voucher or HK$7,800 Apple Store Gift Card.

Valid until 30 Jun 2024 - See more details below
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DBS Electric Vehicle Personal Instalment Loan

Monthly Payment

HK$8,733

MoneySmart Exclusive

DBS Electric Vehicle Personal Instalment Loan

APR*
6.72%
Total Amount Payable
HK$200,000
Total Interest Payable
HK$9,600
Monthly Payment
HK$8,733

【Initiating an Eco-Friendly Lifestyle: Green Car Loans for a New Future♻️】
New customers who successfully apply and drawdown DBS Electric Vehicle Personal Instalment Loan via MoneySmart can get up to HK$15,700 rewards + Extra up to HK$10,000 PARKnSHOP Supermarket Voucher/ Apple Store Gift Card! Get up to a total HK$25,700 reward!

Valid until 30 Jun 2024 - See more details below
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UA "NO SHOW" Personal Loan

Monthly Payment

HK$8,873

MoneySmart Exclusive
No document is required

UA "NO SHOW" Personal Loan

APR*
1.68%
Total Amount Payable
HK$212,960
Total Interest Payable
HK$12,960
Monthly Payment
HK$8,873

【June Exclusive: Earn HK$1,000 Regardless of Approval!】Customers who successfully applied for designated UA  loans (refers to UA "NO SHOW" Personal Loan, UA "NO SHOW" Personal Loan - Car Loan, UA i-Money Express Online Personal Loan and UA Civil Servants and Professionals Express Loan), earn an extra HK$1,000 Apple Store Gift Card/ HK$1,000 PARKnSHOP Supermarket Voucher regardless of approval!



【Win Round-trip Tickets for Two to EUROPE】 New and existing customers¹ who correctly answered the football-related question, and successfully applied for and drawdown personal instalment loan with a repayment period of 12 months or above within the Campaign Period will stand a chance to win one set of round-trip direct economy class flight tickets for two adults to Europe^! Together with the best-in-town⁺ offer of up to HK$18,000^^ Cash Reward!

Valid until 30 Jun 2024 - See more details below
Apply Now
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DBS Personal Instalment Loan

Monthly Payment

HK$8,733

MoneySmart Exclusive
Instant cash out single-handedly

DBS Personal Instalment Loan

APR
6.72%
Total Amount Payable
HK$209,600
Total Interest Payable
HK$9,600
Monthly Payment
HK$8,733

【🔝Offer Upgrade!】New customers who successfully apply and drawdown DBS Personal Instalment Loan via MoneySmart can get up to HK$12,000 rewards + Extra up to HK$7,200 PARKnSHOP Supermarket Voucher/ Apple Store Gift Card! Get up to a total HK$19,200 reward!



【⚽ ️Score & Savour】Earn HK$500 Deliveroo Gift Card during Football Frenzy!
From now until 30 June, apply for DBS Personal Loan via MoneySmart and submit the required documents, you can earn an extra HK$500 Deliveroo Gift Card regardless of approval! Score big on taste and excitement as you savor every electrifying moment of the game🍔🔥! T&Cs apply.

Valid until 30 Jun 2024 - See more details below
Apply Now
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Citi Speedy Cash Loan

Monthly payment

HK$8,493

MoneySmart Exclusive

Citi Speedy Cash Loan

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

【Citi Loan rewards you with rewards as high as $15,999!】
New customer who successfully apply for Citi Speedy Cash Loan/Citi Card Debt Consolidation Loan on or before 30 June 2024 and successfully draw down on or before 31 July 2024 would be eligible for MoneySmart exclusive gift up to HK$7,500 Apple Store Gift Card/ PARKnSHOP supermarket vouchers!
Popular physical gift options include APPLE iPad Pro 11"256 GB (retail value HK$7,999) /APPLE iPad Air 13"128 GB(retail value HK$6,299)／ B&O Beoplay HX Gold Tone Earbuds (retail value: HK$4,998) / Dyson Solarcycle Morph Desk Light (retail value: HK$4,980) / GoPro HERO 11 Black Creator Edition (retail value: HK$4,400)/ PHILIPS RO Water Dispenser ADD6910/90  ($2,788)

Valid until 30 Jun 2024 - See more details below
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AEON Flexi Loan

Monthly Payment

HK$8,733

MoneySmart Exclusive

AEON Flexi Loan

APR*
4.63%
Total Amount Payable
HK$209,600
Total Interest Payable
HK$9,600
Monthly Payment
HK$8,733

 Successfully applied and drawdown of AEON Flexi Personal Loan / Debt Consolidation Loan will be eligible to receive up to HK$12,000 cash rebate#.



【⚽ ️Score & Savour】Earn HK$500 Deliveroo Gift Card during Football Frenzy!
From now until 30 June, apply for Aeon Flexi Personal Loan / Debt Consolidation Loan via MoneySmart, you can earn an extra HK$500 Deliveroo Gift Card regardless of approval! Score big on taste and excitement as you savor every electrifying moment of the game🍔🔥! T&Cs apply.

Valid until 30 Jun 2024 - See more details below
Apply Now
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Fubon "EZ Cash" Personal Loan

Monthly Payment

HK$9,046

Fubon "EZ Cash" Personal Loan

APR* (Calculation is based on loan amount of HK$180,000 or above)
4.08%
Total Amount Payable
HK$217,092.80
Total Interest Payable
HK$17,092.80
Monthly Payment
HK$9,046
Apply Now
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Fubon Perfect Fit Personal Loan

Monthly Payment

HK$9,046

MoneySmart Exclusive
Fixed rate for privileged customers

Fubon Perfect Fit Personal Loan

APR as low as*
2.38%
Total Amount Payable
HK$217,092.80
Total Interest Payable
HK$17,092.80
Monthly Payment
HK$9,046

【MoneySmart Exclusive Offer - Total rewards up to $15,988!】
From now until 30 June 2024, customers apply Fubon Perfect Fit Personal Loan and successfully draw down the loan, via MoneySmart promocode 「MSRL05」 can enjoy a MoneySmart exclusive reward as high as SAMSUNG Galaxy Tab S9 (12GB RAM + 256GB) - 11" (retail value: HK$7,188) / HK$6,000 Apple Store Gift Card / PARKnSHOP vouchers. Total reward up to HK$15,988!

Valid until 30 Jun 2024 - See more details below
Apply Now
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Promise Easy Loan

Monthly Payment

HK$8,733

MoneySmart Exclusive
Instant Approval Online◉

Promise Easy Loan

APR*
4.49%
Total Amount Payable
HK$209,600
Total Interest Payable
HK$9,600
Monthly Payment
HK$8,733

【⚽ ️Score & Savour】Earn HK$500 Deliveroo Gift Card during Football Frenzy!
From now until 30 June, apply for Promise Loan via MoneySmart, you can earn an extra HK$500 Deliveroo Gift Card regardless of approval! Score big on taste and excitement as you savor every electrifying moment of the game🍔🔥! T&Cs apply.



【⚡️Earn $1.5K rewards on $10K Loans】
From now until 30 June, new customers who successfully apply for Promise Loan via MoneySmart, and drawdown the loan amount of HK$10,000 or above, can earn a HK$500 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher! Including the application reward (HK$500 Deliveroo Gift Card) and welcome offer from Promise (HK$500 cash reward on $10,000 loan▲) , you can get up to HK$1.5K rewards in Your Wallet on $10K Loans! No Supporting Documents Required#. Online Instant Approval⦿.

Valid until 30 Jun 2024 - See more details below
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CNCBI $mart Plus Personal Instalment Loan

Monthly Payment

HK$8,502

MoneySmart Exclusive

CNCBI $mart Plus Personal Instalment Loan

APR as low as*
1.9%
Total Amount Payable
HK$200,048
Total Interest Payable
HK$48
Monthly Payment
HK$8,502

【CITIC Bank x MoneySmart Exclusive Offer 】- Get total reward up to HK$4,599!
Customers successfully apply for CNCBI $mart Plus Personal 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 / PARKnSHOP Supermarket Voucher ! New gift options include but not limited to AirPods Max / Apple HomePod/ CMF by Nothing Watch Pro/ Bose QuietComfort® 45 Headphones!



【⚽ ️Score & Savour】Earn HK$500 Deliveroo Gift Card during Football Frenzy!
From now until 30 June, apply for CNCBI $mart Plus Personal Instalment Loan / CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate via MoneySmart, you can earn an extra HK$500 Deliveroo Gift Card regardless of approval! Score big on taste and excitement as you savor every electrifying moment of the game🍔🔥! T&Cs apply.

Valid until 30 Jun 2024 - See more details below
Apply Now
More Details
HSBC Personal Instalment Loan

Monthly Payment

HK$9,113

HSBC Personal Instalment Loan

APR
1.88%*
Total Amount Payable
HK$218,720
Total Interest Payable
HK$18,720
Monthly Payment
HK$9,113
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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.

Best Car Loan Rates in HK

Car LoanAPRFeatures
Citi Speedy Cash1.78%Tenor up to 60months
WeLend Personal Loan2.79%no limitation on vehicle type, vehicle usage (private or commercial) and not taking hold of your vehicle license
DBS Personal Instalment Loan1.56%Up to HK$10,000 reward
Promise Easy Loan4.49%Loan calculates in daily interest

Car Loan VS Personal Loan

To get yourself a new set of wheels while keeping your cash flow, applying for car loans can be the best strategy even if you are in a position to pay in full. In the past, car leasing may be the most common option, but with more car loans available, you have more choices than you thought! MoneySmart has summarised your available options when it comes to buying a car:

Car Loans

  • The vehicle registration document will be kept by the car dealer
  • Required to pay deposit upfront (applicable to rental)
  • Required to purchase comprehensive insurance
  • Restrictions on car types and ages

Personal Loans

  • The final loan amount and interest rates will be affected by your credit scores
  • Car buyers can keep the vehicle registration document
  • No restrictions on car types and ages

Should I go for car loans or personal loans?

The application of car loans is simple. It is often taken care of by the car dealer. but the interest rate is less transparent compared to car loans and it has restrictions on the car’s age. Applicants are required to buy comprehensive car insurance and the vehicle registration document will be kept by the car dealer, which is inconvenient. Conversely, if you go for personal loans, it provides you with greater flexibility with no restrictions on the types and the ages of the car. Moreover, you can keep your own vehicle registration document. You can also make use of MoneySmart website to compare the different loan products available before you make a final decision.

Used Car Loans

Prospective buyers may be worried that the car’s age may have a negative effect on the loan application. But this concern is not necessary. Car loans do not have restrictions on the car’s age. In other words, no matter if the car you would like to purchase is a brand new or second hand one, it really does not affect your application. But your application will be affected by your credit scores.

Car Loan FAQ

Is it wise to repay car loans earlier?

It depends on the car loans that you have applied for. In general, you are required to pay an early repayment charge, which makes it unwise to repay earlier.

Should I buy a car with a personal loan?

Buying a car in Hong Kong can cost a fortune from monthly repayment, insurance, maintenance fee, etc. If you don’t have enough funds to pay in full, it is wise to take off some financial pressure by taking out a loan with a low-interest rate to fund your purchase. A personal loan offers better flexibility when compared to car loans, you can also enjoy cash rebates for applying a personal loan through MoneySmart.

What documents are required to apply for car loans in Hong Kong?

You are required to provide proof of identification, proof of residential address, bank statement and car buyer's purchase contract to apply for a car loan.