Tax Season Early Bird offer - CNCBI $mart Plus Personal Installment Loan
Apply through MoneySmart and redeem for any of these:
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MoneySmart Exclusive
Regardless of Approval - HK$800 cash (automatically converted from 8,000 SmartPoints and will directly deposit into FPS account)
Regardless of Approval - HK$800 cash (automatically converted from 8,000 SmartPoints and will directly deposit into FPS account)
MoneySmart Exclusive
Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 Apple Store Gift Card
Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 Apple Store Gift Card
MoneySmart Exclusive
Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 ParknShop e-Voucher
Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 ParknShop e-Voucher
MoneySmart Exclusive
Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 Trip.com e-Voucher
Loan amount HK$100,000-$299,999, repayment period of 12-24 months, customers are eligible for HK$400 Trip.com e-Voucher
MoneySmart Exclusive
Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 Apple Store Gift Card
Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 Apple Store Gift Card
MoneySmart Exclusive
Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 ParknShop e-Voucher
Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 ParknShop e-Voucher
MoneySmart Exclusive
Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 Trip.com e-Voucher
Loan amount HK$100,000-$299,999, repayment period of 36 months or above, customers are eligible for HK$600 Trip.com e-Voucher
MoneySmart Exclusive
Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Apple Store Gift Card
Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Apple Store Gift Card
MoneySmart Exclusive
Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Parknshop e-Voucher
Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Parknshop e-Voucher
MoneySmart Exclusive
Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Trip.com e-voucher
Loan amount HK$300,000-$799,999, repayment period of 12-24 months, customers are eligible for HK$1,500 Trip.com e-voucher
MoneySmart Exclusive
Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Apple Store Gift Card
Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Apple Store Gift Card
MoneySmart Exclusive
Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Parknshop e-Voucher
Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Parknshop e-Voucher
MoneySmart Exclusive
Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Trip.com e-voucher
Loan amount HK$300,000-$799,999 repayment period of 36 months or above, customers are eligible for HK$2,500 Trip.com e-voucher
MoneySmart Exclusive
Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 Apple Store Gift Card
Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 Apple Store Gift Card
MoneySmart Exclusive
Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 ParknShop e-Voucher
Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 ParknShop e-Voucher
MoneySmart Exclusive
Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 Trip.com e-Voucher
Loan amount HK$800,000-$1,199,999, repayment period of 12-24 months, customers are eligible for HK$3,000 Trip.com e-Voucher
MoneySmart Exclusive
Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 Apple Store Gift Card
Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 Apple Store Gift Card
MoneySmart Exclusive
Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 ParknShop e-Voucher
Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 ParknShop e-Voucher
MoneySmart Exclusive
Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 Trip.com e-Voucher
Loan amount HK$800,000-$1,199,999, repayment period of 36 months or above, customers are eligible for HK$5,000 Trip.com e-Voucher
MoneySmart Exclusive
Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 Apple Store Gift Card
Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 Apple Store Gift Card
MoneySmart Exclusive
Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 ParknShop e-Voucher
Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 ParknShop e-Voucher
MoneySmart Exclusive
Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 Trip.com e-Voucher
Loan amount HK$1,200,000 or above, repayment period of 12-24 months, customers are eligible for HK$6,000 Trip.com e-Voucher
MoneySmart Exclusive
Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Apple Store Gift Card
Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Apple Store Gift Card
MoneySmart Exclusive
Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Parknshop e-Voucher
Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Parknshop e-Voucher
MoneySmart Exclusive
Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Trip.com e-voucher
Loan amount HK$1,200,000 or above, repayment period of 36 months or above, customers are eligible for HK$10,000 Trip.com e-voucher
【MoneySmart Exclusive Extra Offers 🎊】Limited Time Flash Offer ⚡ Total rewards up to HK$32,688!
From now until 31 October 2026, customers successfully apply CNCBI $mart Plus Personal Installment Loan / CNCBI $mart Plus Personal Installment Loan - Debt Consolidation via MoneySmart and submit a complete online application form, can earn HK$800 cash rebate regardless of approval (automatically converted by 8,000 SmartPoints and will directly deposit into your FPS account)!
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From now to 31 October 2026, successfully apply and draw down with designated loan amount, can enjoy gift from MoneySmart up to HK$10,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers. Also can earn up to HK$5,000 extra cash rebate on top of up to HK$16,888 cash rebate from the bank. Total rewards up to HK$32,688!
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To borrow or not to borrow? Borrow only if you can repay!
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Valid till 31 Oct 2026
ARE YOU ELIGIBLE?
From today until 31 October 2026 (promotion period), successfully apply via MoneySmart and draw down the loan
Submit MoneySmart reward claim form on or before 7 November 2026
WHAT YOU NEED TO KNOW
October Flash Sales － HK$800 Cash Regardless of Approval 💰
From now until 31 October 2026, apply for CNCBI $mart Plus Personal Installment Loan / CNCBI $mart Plus Personal Installment Loan - Debt Consolidation via MoneySmart and submit a complete online application form, you can earn HK$800 cash regardless of approval (automatically converted by 8,000 SmartPoints and will directly deposit into your FPS account)!⠀
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Customers must submit the redemption form after logging in to MoneySmart, along with the phone number you used to complete the application and the phone number that is linked to your bank account for receiving funds via FPS on or before 7 November 2026.[MoneySmart Exclusive Extra Offers] Draw down designated loan amount and get up to HK$10,000 Vouchers
Repayment period of 12-24 months, and draw down designated loan amount:
HK$100,000-$299,999, get HK$400 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
HK$300,000-$799,999, get HK$1,500 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
HK$800,000-$1,199,999, get HK$3,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
HK$1,200,000 or above, get HK$6,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
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Repayment period of 36 months or above, and draw down designated loan amount:
HK$100,000-$299,999, get HK$600 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
HK$300,000-$799,999, get HK$2,500 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
HK$800,000-$1,199,999, get HK$5,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers
HK$1,200,000 or above, get HK$10,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-VouchersCNCBI rewards up to HK$16,888 cash rebate
From now until 31 October 2026, customers who apply for and successfully draw down a CNCBI $mart Plus Personal Installment Loan / CNCBI $mart Plus Personal Installment Loan - Debt Consolidation with a loan amount of HK$100,000 or above and a repayment period of 36 months or more, can enjoy up to HK$16,888 Cash Rebate.
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CNCBI Tax Season Early Bird Offer - Up to HK$5,000 extra cash rebate
From now until 31 October 2026, any customers who apply for and successfully draw down a CNCBI $mart Plus Personal Installment Loan / CNCBI $mart Plus Personal Installment Loan - Debt Consolidation with a loan amount of HK$100,000 or above and repayment tenor of 36 months or above, can enjoy an additional Cash Rebate of up to HK$5,000. Together with the basic Cash Rebate of up to $16,888, the total Cash Rebate is up to HK$21,888. Click here for Promotional Terms and Conditions for "Up to HK$16,888 Cash Rebate Offer" and “Tax Season Early Bird Offer”Please note that the MoneySmart Exclusive rewards are provided by MoneySmart and is not the responsibility of the bank.
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Tax Season Early Bird offer - CNCBI $mart Plus Personal Installment Loan
Too much to read? Get the key takeaways in seconds!
- Loan Features & Limits: Borrow up to 18x monthly salary (or HK$2,000,000) with flexible repayment terms of 6–60 months (up to 72 months for loan consolidation) and fast, fully online application and drawdown.
- Eligibility Criteria: Applicants must be HK residents aged 18 or above, working full-time in Hong Kong with a minimum monthly salary of HK$7,000.
- Required Documents: HKID, address proof within 3 months, 1 month of income proof (bank statement/passbook), plus a Business Registration Certificate and tax demand note for self-employed individuals.
- Repayment Terms & Penalties: Repayments are executed strictly via monthly auto-debit. Overdue repayments incur a 3% monthly fee calculated on the overdue balance.
- Flexibility & Cooling-off Period: Repayment dates can be deferred (apply 14+ days prior for up to 28 days), and early settlement within the 7-day cooling-off period waives all handling fees and interest.
What are the advantages of CNCBI $mart Plus Personal Installment Loan?
CNCBI Branch Addresses
| Region | Branch | Address |
|---|---|---|
| Hong Kong Island | Queen's Road West | G/F, Sun On Building, 488 Queen's Road West, Hong Kong |
| Des Voeux Road Central | The Chinese Bank Building, 61 to 65 Des Voeux Road Central, Hong Kong | |
| CITIC Tower | Shop 202 and 207, 2/F, CITIC Tower, 1 Tim Mei Avenue, Central, Hong Kong | |
| Lippo Centre | Lippo Centre, 89 Queensway, Hong Kong | |
| Causeway Bay | 1/F and 2/F, Macau Yat Yuen Centre, 525 Hennessy Road, Hong Kong | |
| North Point | Shop B3, G/F, Hang Ying House, 318 to 328 King's Road, Hong Kong | |
| Quarry Bay | Shop 1A, G/F and 2/F, 1001 King's Road, Quarry Bay, Hong Kong | |
| Quarry Bay (ATM only) | Area A, 1/F, Two Taikoo Place, Taikoo Place, 979 King's Road, Quarry Bay, Hong Kong | |
| Kowloon | Hoi Yuen Road | Shop 3, G/F, Hewlett Centre, 54 Hoi Yuen Road, Kowloon |
| Kowloon Bay | Shop 7, G/F, Chevalier Commercial Centre, 8 Wang Hoi Road, Kowloon Bay, Kowloon | |
| Kowloon Bay (ATM only) | G/F, DCH Building, 20 Kai Cheung Road, Kowloon Bay, Kowloon | |
| Kowloon City | G/F and M/F, 29 to 31 Fuk Lo Tsun Road, Kowloon City, Kowloon | |
| Mong Kok | G/F to 2/F, 32 and 34 Argyle Street, Mong Kok, Kowloon | |
| Hung Hom | Shop B1, G/F, Whampoa Estate, 9 Man Tai Street, Hung Hom, Kowloon | |
| Tsim Sha Tsui | G/F to 3/F, Canton Plaza, 82-84 Canton Road, Tsim Sha Tsui, Kowloon | |
| Mei Foo | Shop N28, G/F, 20B Nassau Street, Mei Foo Sun Chuen Phase 5, Kowloon | |
| New Territories | Metroplaza | Shop 473C and 473F, Level 4, Metroplaza, 223 Hing Fong Road, Kwai Fong, New Territories |
| Tsuen Wan | Shop C on G/F and 1/F, Shui Sang Building, 13 to 19 Chung On Street, Tsuen Wan, New Territories | |
| Yuen Long | G/F, Chek Wing Court, 171A to 171B, Castle Peak Road Yuen Long, Yuen Long, New Territories | |
| Tuen Mun | Units A, B & E, Shop 1 to 3, G/F, Ming Wai Building, 4 to 26 Tuen Mun Heung Sze Wui Road, Tuen Mun, New Territories | |
| Tseung Kwan O | Shops 217G and 233 East Point City, 8 Chung Wa Road, Tseung Kwan O, New Territories | |
| Tai Wai | G/F, Shop B, Yuet On Building, 49 to 53 Tai Wai Road, Shatin, New Territories | |
| Shatin Centre | Shop 52C, Level 3, Shatin Centre, 2 to 16 Wang Pok Street, Shatin, New Territories | |
| Tai Po | Shop G and H, G/F, Tai Po Commercial Centre, 152 to 172 Kwong Fuk Road, Tai Po, New Territories | |
| Sheung Shui | 138 San Fung Avenue, Sheung Shui, New Territories |
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Application requirements and documents
Application requirements
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What to Know about CNCBI $mart Plus Personal Installment Loan Repayment
CNCBI $mart Plus Personal Installment Loan Frequently Asked Questions
Can I change the repayment date or apply for a payment holiday?
- Yes, but the application must be made at least 14 days before the repayment date and the bank reserves the right of final decision. The deferral period shall not exceed 28 days, and fees will be charged in accordance with the agreement.
How do I make a repayment to CNCBI?
- Repayments are made via auto-debit and the repayment amount will be withdrawn from a designated repayment bank account. The direct debit authorization will be submitted along with the loan application.
What is a Cooling-off Period? If I repay my loan within the Cooling-off Period, would I be charged handling fee or interest?
- The Cooling-off Period is within 7 calendar days after the date of drawdown of the loan. If borrowers submit an early settlement request within the Cooling-off Period and repay the outstanding balance in full within 3 working days after making the application, the bank will waive the early loan settlement handling fee and interest, and refund the handling fee charged at loan drawdown.
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- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.