- APR as low as*
- 6.38%
- Total Amount Payable
- HK$200,000
- Total Interest Payable
- HK$9,120
- Monthly Payment
- HK$9,047
Limited-Time May Exclusive: Total Rewards Up to HK$39,600【💰Take a step to building your wealth by consolidating your debts today! 】
New customers who successfully apply and drawdown DBS Debt Consolidation Loan via MoneySmart, with repayment period of 36 months or above, can get up to HK$23,800 rewards + Extra up to 130,000 SmartPoints! Get up to a total HK$36,800 reward! From May 12 to May 26, enjoy an extra limited-time offer of total HK$2,800 cash rewards!
⠀⠀
1️⃣ 130,000 SmartPoints can fully redeem HK$13,000 cash vouchers (over 20+ brand vouchers including Apple / PARKnSHOP supermarket voucher, etc) or iPhone 16 Pro, 256 GB (Value: HK$9,399) or MacBook Air 13” M3 chip (8GB Memory, 256GB SSD) (Value: HK$8,999) or 11-inch iPad Pro Wi-Fi 256GB (Value: HK$7,999) or cash out HK$8,666 via FPS. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints!
⠀⠀
2️⃣ 🪄 Debtium Expellium – Cashus Fulfillium✨
From 12 May until 26 May 2025, customers who successfully applied for a designated loan via MoneySmart with the required documents submitted, can enjoy HK$800 cash (automatically converted by 8,000 SmartPoints) directly deposited into your FPS account - regardless of approval! Curving for more? Successfully draw down loan amount of HK$200,001 or above, can earn extra HK$2,000 (automatically converted by 20,000 SmartPoints) —— Total reward up to HK$2,800 Cash!
T&C applies.
- The lowest APR
- 1.88%
- Total Amount Payable
- HK$205,760
- Total Interest Payable
- HK$5,760
- Monthly Payment
- HK$8,573
🪄 Debtium Expellium – Cashus Fulfillium✨
From 12 May until 26 May 2025, customers who successfully applied for a designated loan via MoneySmart with the required documents submitted, can enjoy HK$800 cash (automatically converted by 8,000 SmartPoints) directly deposited into your FPS account - regardless of approval! Curving for more? Successfully draw down loan amount of HK$200,001 or above, can earn extra HK$2,000 (automatically converted by 20,000 SmartPoints) —— Total reward up to HK$2,800 Cash!
T&C applies.

- APR*
- 4.67%
- Total Amount Payable
- HK$209,672
- Total Interest Payable
- HK$9,672
- Monthly Payment
- HK$8,736
【MoneySmart Exclusive Offer 】Get total rewards up to HK$36,498!
From now on until 31 May 2025, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to Samsung Galaxy Z Flip6 (value: $8,698) or iPad Air 13-inch 256GB (Value: HK$7,099)Mac mini (M4, 256GB SSD, 16GB RAM) (Value: HK$4,599) or up to HK$7,800 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher/ HKTVmall e-Voucher!
🪄 Debtium Expellium – Cashus Fulfillium✨
From 12 May until 26 May 2025, customers who successfully applied for a designated loan via MoneySmart can enjoy HK$800 cash (automatically converted by 8,000 SmartPoints) directly deposited into your FPS account - regardless of approval! Curving for more? Successfully draw down loan amount of HK$200,001 or above, can earn extra HK$2,000 (automatically converted by 20,000 SmartPoints) —— Total reward up to HK$2,800 Cash!
T&C applies.
- APR*
- 4.11%
- Total Amount Payable
- HK$208,640
- Total Interest Payable
- HK$8,640
- Monthly Payment
- HK$8,693
【Upgraded Offer – up to $34,668 rewards】
From 1 May until 31 May 2025, 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!
⠀⠀
Save up to 97% on interest and clear all your credit card debt with a new perspective!
⠀⠀
🪄 Debtium Expellium – Cashus Fulfillium✨
From 12 May until 26 May 2025, customers who successfully applied for a designated loan via MoneySmart with the required documents submitted, can enjoy HK$800 cash (automatically converted by 8,000 SmartPoints) directly deposited into your FPS account - regardless of approval! Curving for more? Successfully draw down loan amount of HK$200,001 or above, can earn extra HK$2,000 (automatically converted by 20,000 SmartPoints) —— Total reward up to HK$2,800 Cash!
⠀⠀
T&C applies.

- APR as low as
- 1.1%
- Total Amount Payable
- HK$212,960
- Total Interest Payable
- HK$12,960
- Monthly Payment
- HK$8,873
【🔥4 Days ONLY】From 23 May 2025 to 26 May 2025, successfully apply for UA i-Money Express Online Personal Loan via MoneySmart, you can enjoy:
1️⃣ ⚡️Limited-time: HK$1,700 exclusive cash (automatically converted by 17,000 SmartPoints) and will directly deposit into your FPS account for successful applications OR PHILIPS ADD6910/90 RO Water Dispenser (Value: HK$2,388) OR Garmin Forerunner 165 Smart Watch (Value: HK$2,295), regardless of approval!
2️⃣ Drawdown to enjoy up to HK$18,000 cash rewards^ & Top 3 Applicants Daily at 3pm Grab Extra HK$3,888^^ Bonus Cash!

- The Lowest APR
- 1.18%
- Total Amount Payable
- HK$202,400
- Total Interest Payable
- HK$2,400
- Monthly Payment
- HK$8,433
From 1 March 2025 to 31 May 2025 (both dates inclusive), up to HK$18,000 Cash Bonus will be rewarded upon successful application and drawdown of the designated personal loan.
- APR*
- 6.72%
- Total Amount Payable
- HK$209,600
- Total Interest Payable
- HK$9,600
- Monthly Payment
- HK$8,900
【MoneySmart Exclusive Offer】- Get total reward up to HK$22,399!🔥
From now until 31 May, 2025, customers successfully draw down CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate with designated loan amount via MoneySmart could enjoy designated prizes up to HK$22,399,-include HK$4,000 Vouchers OR 📱 variety of exclusive gifts : iPhone 16e 128GB / Apple HomePod / Apple AirPods 4 with Active Noise Cancellation! Also earn extra Cash Rebate up to HK$16,800!
⠀⠀
May Exclusive - Regardless of Approval!
Apply for CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate via MoneySmart and submit all the required documents, you can earn HK$500 cash rebate regardless of approval (automatically converted by 5,000 SmartPoints and will directly deposit into your FPS account)!⠀⠀

- APR*
- 1.12%
- Total Amount Payable
- HK$202,400
- Total Interest Payable
- HK$2,400
- Monthly Payment
- HK$8,433
【MoneySmart Exclusive】Drawdown of HK$10,000 or above, - get HK$1,600 + up to HK$15,000 CASH!
⠀⠀
During promotional period, successfully apply for Promise Easy Loan/Promise No-doc Loan/Promise Debt Consolidation Loan/Promise Personal Loan (Available for Tax Season) via MoneySmart, you can enjoy:
⠀⠀
1️⃣ Eligible New Customers who have completed a drawdown of HK$10,000 of above, are entitled to enjoy HK$1,600 cash rebate (automatically converted by 16,000 SmartPoints and will directly deposit into your FPS account)
⠀⠀
2️⃣ Eligible New Customers who have successfully drawn down the required loan
amount, are entitled to rewards up to HK$15,000 ▲ No Supporting Documents
Required#. Online Instant Approval⦿.
⠀⠀
Earn rewards worth up to HK$16,600 in total!

- APR*
- 5.16%
- Total Amount Payable
- HK$220,160
- Total Interest Payable
- HK$20,160
- Monthly Payment
- HK$9,173
【🎊Brand new Gadgets Await !】Apply to get up to HK$20,998 Rewards!
New customers who successfully apply for the Citi Speedy Cash / Citi Card Debt Consolidation Loan on or before 31 May 2025 and successfully draw down on or before 30 June 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. New gift selections including newly launched Dyson Supersonic r™ hair dryer and LG aircleaner!
📣 Bank Welcome Offer up to HK$8,000 Reward and 48 months repayment period —to better arrange personal cash flow!
🤑 Boosting up the reward - Earn HK$1,000 instantly upon application !
From 20 May to 31 May, customers who successfully applied for a designated loan via MoneySmart and submit the required documents can enjoy HK$600 cash (automatically converted by 10,000 SmartPoints) directly deposited into your FPS account - regardless of approval!

- APR*
- 1.98%
- Total Amount Payable
- HK$204,800
- Total Interest Payable
- HK$4,800
- Monthly Payment
- HK$8,533
- APR as low as*
- 5.28%
- Total Amount Payable
- HK$222,593.60
- Total Interest Payable
- HK$22,593.60
- Monthly Payment
- HK$9,275
【MoneySmart Exclusive Offer - Total rewards up to $30,988!】
From now until 31 May 2025, customers apply Fubon Balance Transfer Personal Loan and successfully draw down the loan, 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$30,988!
- APR
- 21.88%
- Total Amount Payable
- HK$244,160
- Total Interest Payable
- HK$44,160
- Monthly Payment
- HK$10,173
- APR as low as*
- 4.95%
- Total Amount Payable
- HK$210,560
- Total Interest Payable
- HK$10,560
- Monthly Payment
- HK$8,773
- APR*
- 4.63%
- Total Amount Payable
- HK$209,600
- Total Interest Payable
- HK$9,600
- Monthly Payment
- HK$8,733
- APR*
- 10.01%
- Total Amount Payable
- HK$216,152
- Total Interest Payable
- HK$16,152
- Monthly Payment
- HK$9,173
- APR*
- 8.0%
- Total Amount Payable
- HK$232,160
- Total Interest Payable
- HK$32,160
- Monthly Payment
- HK$9,673
- APR
- 4.83%
- Total Amount Payable
- HK$205,280
- Total Interest Payable
- HK$5,396.16
- Monthly Payment
- HK$8,742
- APR*
- 6.68%
- Total Amount Payable
- HK$209,600
- Total Interest Payable
- HK$9,600
- Monthly Payment
- HK$8,733