Compare Debt Consolidation Loans in Hong Kong 2025

Looking for ways to get out of debts? Compare Debt Consolidation Loans now to clear your debts with a lower APR and loan rate. Read More
100,000 personal loan Paid over 12 Months
HK$
We found 19 Personal Loans for you!
DBS Debt Consolidation Loan

Monthly Payment

HK$8,620

Monthly Payment
MoneySmart Exclusive
Get extra HK$500 cash regardless of approval !
APR as low as*
6.38%
Total Amount Payable
HK$100,000
Total Interest Payable
HK$1,440
Monthly Payment
HK$8,620
Apply Now
PrimeCredit Balance Transfer Loan

Monthly Payment

HK$8,383

Monthly Payment
MoneySmart Exclusive
The Lowest APR
1.18%
Total Amount Payable
HK$100,600
Total Interest Payable
HK$600
Monthly Payment
HK$8,383
[MoneySmart Exclusive Offer] Up to HK$24,000 Cash Bonus for successful application via MoneySmart! 
Valid until 30 Sep 2025 - See more details below
Apply Now
WeLend Card Debt Consolidation Loan

Monthly Payment

HK$8,513

Monthly Payment
Special Promotion
The lowest APR
1.88%
Total Amount Payable
HK$102,160
Total Interest Payable
HK$2,160
Monthly Payment
HK$8,513
2025 Hot Picks - WeLend Personal Loan🔥! - Limited time offer : up to : HK$32,000!
From 1 July 2025 - 31 July 2025, apply for WeLend designated loan via MoneySmart, successfully drawdown a designated loan amount, can earn up to 💰 HK$32,000 Rewards!a
Valid until 31 Jul 2025 - See more details below
Apply Now
CNCBI $mart Plus Personal Instalment Loan - Debt Consolidation

Monthly Payment

HK$8,617

Monthly Payment
MoneySmart Exclusive
APR*
6.46%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,617

【MoneySmart Exclusive Offer】- Get total reward up to HK$22,399!🔥
From now until 31 July, 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!
⠀⠀
🤑 July 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)!⠀⠀

Valid until 31 Jul 2025 - See more details below
Apply Now
Standard Chartered Debt Consolidation Program

Monthly Payment

HK$8,754

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

【MoneySmart Exclusive Offer 】Get total rewards up to HK$29,698!
From now on until 31 July 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!

Valid until 31 Jul 2025 - See more details below
Apply Now
ZA Bank Debt Changer Debt Consolidation Program

Monthly Payment

HK$8,739

Monthly Payment
MoneySmart Exclusive
Loan amount up to HK$1,500,000, 72 months tenor
APR*
4.1%
Total Amount Payable
HK$104,872
Total interest payable
HK$4,872
Monthly Payment
HK$8,739

【MoneySmart Exclusive Offer】- Get total reward up to HK$28,888!🔥
From now until 31 July, 2025, customers who successfully apply and draw down Debt Changer – the Debt Consolidation Program – with the promo code [MONEYSMART] can enjoy prizes up to HK$8,000! Also earn extra Cash Rebate up to HK$20,888!- total reward up to HK$28,888!

Valid until 31 Jul 2025 - See more details below
Apply Now
Promise Debt Consolidation Loan

Monthly Payment

HK$8,383

Monthly Payment
MoneySmart Exclusive
Instant Approval Online◉
APR*
1.12%
Total Amount Payable
HK$100,600
Total Interest Payable
HK$600
Monthly Payment
HK$8,383

【MoneySmart Exclusive】Drawdown of HK$10,000 or above to get rewards worth HK$2,100 (HK$1,600 cash + HK$500 supermarket voucher▲)!
⠀⠀
During promotional period, successfully apply for Promise Easy Loan/Promise No-doc Loan/Promise Debt Consolidation Loan via MoneySmart, you can enjoy:
⠀⠀
1️⃣  New Customers who have completed a drawdown of HK$10,000 or 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  Rookie loan applicants who have applied loan with promo code “SMART” and successfully drawn down the loan, are entitled to HK$500 supermarket voucher. No Supporting Documents Required#. Online Instant Approval⦿.
⠀⠀
Earn rewards worth up to HK$2,100 in total!

Valid until 31 Jul 2025 - See more details below
Apply Now
WeLab Bank Card Debt Consolidation Loan

Monthly Payment

HK$8,513

Monthly Payment
MoneySmart Exclusive
Need to use promo code 「NLSMRT」
APR*
4.11%
Total Amount Payable
HK$102,160
Total Interest Payable
HK$2,160
Monthly Payment
HK$8,513

【Upgraded Offer – up to $32,687 rewards】
From 1 July until 31 July, 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$7,999 as well!

Save up to 97% on interest and clear all your credit card debt with a new perspective!
⠀⠀

Valid until 31 Jul 2025 - See more details below
Apply Now
CreFIT ClearCard Credit

Monthly Payment

HK$8,433

Monthly Payment
MoneySmart Exclusive
Settle your credit card balance as fast as 3 mins
APR*
1.98%
Total Amount Payable
HK$101,200
Total Interest Payable
HK$1,200
Monthly Payment
HK$8,433
Reminder: CreFIT ClearCard Credit currently supports 17 Hong Kong credit card issuers. Upon the acceptance of the loan agreement, the fund will immediately be disbursed to the designated credit card account(s) via FPS! 🆕 The Cashout Feature is now available - Cash or Bill Settlement, Your Call!
Valid until 31 Dec 2025 - See more details below
Apply Now
UA i-Money Internet Personal Loan

Monthly Payment

HK$8,383

Monthly Payment
MoneySmart Exclusive
Online approval and cash transfer via FPS
APR as low as
1.1%
Total Amount Payable
HK$100,600
Total Interest Payable
HK$600
Monthly Payment
HK$8,383

From 1 July 2025 to 31 July 2025, successfully apply for UA i-Money Express Online Personal Loan via MoneySmart, you can enjoy:
1️⃣ HK$1,000 exclusive cash (automatically converted by 10,000 SmartPoints) and will directly deposit into your FPS account for successful applications - regardless of approval!
2️⃣ Drawdown to enjoy up to HK$18,000 cash rewards^!

Valid until 31 Jul 2025 - See more details below
Apply NowApply directly on MoneySmart
Citi Card Debt Consolidation Loans

Monthly Payment

HK$8,753

Monthly Payment
MoneySmart Exclusive
APR*
5.16%
Total Amount Payable
HK$105,040
Total Interest Payable
HK$5,040
Monthly Payment
HK$8,753

【🎊 Cashflow to the Max - Get up to HK$11,000 Cash in July! 🤑】
New customers who successfully apply for the Citi Speedy Cash / Citi Card Debt Consolidation Loan during 19 July 2025 to  31 July 2025 and successfully draw down on or before 31 August 2025 would be eligible for MoneySmart exclusive gift up to HK$10,000 Cash* 🔥 /  iPhone 16 Plus 512GB (valued: HK$10,199) /  HK$10,000 Apple Store Gift Card / PARKnSHOP supermarket vouchers. 
📣 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 19 July to 31 July, customers who successfully applied for a designated loan via MoneySmart and submit the required documents can enjoy HK$1,000 cash* regardless of approval!

Valid until 31 Jul 2025 - See more details below
Apply Now
Fubon Balance Transfer Personal Loan

Monthly Payment

HK$8,791

Monthly Payment
Fixed rate for privileged customers
APR as low as*
5.28%
Total Amount Payable
HK$105,493.60
Total Interest Payable
HK$5,493.60
Monthly Payment
HK$8,791
Read More
HSBC Personal Instalment Loan Balance Consolidation

Monthly Payment

HK$9,323

Monthly Payment
APR
23.46%
Total Amount Payable
HK$111,880
Total Interest Payable
HK$11,880
Monthly Payment
HK$9,323
Read More
CCBA Balance Transfer Loan Program

Monthly Payment

HK$8,553

Monthly Payment
Monthly flat rate as low as 0.22%
APR as low as*
4.95%
Total Amount Payable
HK$102,640
Total Interest Payable
HK$2,640
Monthly Payment
HK$8,553
Read More
AEON Debt Consolidation Loan

Monthly Payment

HK$8,533

Monthly Payment
APR*
4.48%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Read More
BOC Express Cash Instalment Loan Balance Transfer

Monthly Payment

HK$9,081

Monthly Payment
Up to HK$23,988 Cash Rebate
APR*
17.61%
Total Amount Payable
HK$107,972.80
Total Interest Payable
HK$7,972.80
Monthly Payment
HK$9,081
Read More
X-Debt Consolidation Loan

Monthly Payment

HK$9,003

Monthly Payment
APR*
8.0%
Total Amount Payable
HK$108,040
Total Interest Payable
HK$8,040
Monthly Payment
HK$9,003
Read More
Dah Sing Credit Mastermind Instalment Loan

Monthly Payment

HK$8,536

Monthly Payment
Monthly flat rate as low as 0.11%
APR
4.83%
Total Amount Payable
HK$101,320
Total Interest Payable
HK$1,334.52
Monthly Payment
HK$8,536
Read More
Hang Seng Debt Consolidation Instalment Loan

Monthly Payment

HK$8,533

Monthly Payment
APR*
6.44%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Read More

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 Debt Consolidation Loans in HK

DEBT CONSOLIDATION LOAN PLANSAPRFeatures
Citibank Card Debt Consolidation Loans3.13%Repayment term up to 72 months
PrimeCredit Balance Transfer Loan2.38%Repayment terms up to 60 months
CNCBI $mart Plus Personal Installment Loan – Debt Consolidation7.19%HK$2,000,000 or 21 times of your monthly salary
WeLend Card Debt Consolidation Loan2.79%Interest savings plan save up to 90% interest-savings
DBS Debt Consolidation Loan4.27%Up to HK$4,500 reward for applying
Promise Debt Consolidation Loan4.49%Instant transfer once loan is approved
CCBA Balance Transfer Loan Program4.80%up to HKD1,200,000 or 21 times of your monthly salary

How to Pick the Best Debt Consolidation Loan?

What is a debt consolidation loan?

Debt consolidation (also known as balance transfer) is a way to transfer higher-interest debt to a lower-interest debt repayment by gathering all your outstanding, unsecured debt from credit cards and personal loans into one monthly payment. You will save on interest, enjoy a reduced repayment amount and a shortened repayment period. Banks or money lenders will pay your former creditors directly via bank transfers or promissory notes.

Why Do We Need Debt Consolidation Loans?

Avoid snowballing your debts

Try to pay attention to your lowest interest rate cards to consider transferring a higher-interest bill to that one by having APR at 12% instead of the one at 30%. Otherwise, get a debt consolidation to pay off all outstanding, unsecured debts then pay back the loan in fix-rate instalments over a set of terms. By clearing all debts on time, you can also improve your credit score.

Simpler and more flexible loan application

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

Tips for Getting Debt Consolidation Loans

Tip #1

Compare Annual Percentage Rate (APR)

The calculation of APR includes all the interests, admin fees and handling fees of a loan. That’s why APR is the best way to compare the actual expenses of personal loans.

Tip #2

Compare debt consolidation rebates

Debt consolidation loans typically come with lower interest rates than balance transfer credit cards. Also, different banks offer rebates that would lower your costs of monthly loan repayments.

Frequently Asked Questions

What exclusive offers can I enjoy if I apply for debt consolidation loans via MoneySmart?

You can enjoy various exclusive offers by applying for debt consolidation loans through MoneySmart: New customers who apply and draw drawdown Citi Card Debt Consolidation Loan through us can enjoy up to $12,000 cash vouchers; apply and drawdown SCB Debt Consolidation Program can enjoy up to $14,000 cash rebate! Check out more offers on MoneySmart NOW!

Am I qualified for debt consolidation loan applications?

If you’re 18+ and earning HK$5,000+/month, you’re welcomed to apply for debt consolidation loans. Simply bring your identity card, residential address proof, bank statement, and salary slip, and you’re good to go.

How much can I borrow from a debt consolidation loan?

It depends on your salary and the loan cap of banks or money lenders. The loan amount can be 18x to 21x of your salary.

How long can my loan repayment period be?

Normally, it’s 72 months. Banks and money lenders will set a fixed monthly repayment amount. The longer the repayment period, the lower the repayment amount, and the higher the interest rate.

How much interest expenses can a debt consolidation loan save for me?

Debt consolidation loans APR can be as low as 4% in Hong Kong, which is far lower than credit card 30% interest rate. Some loan plans can save up to 80% interest expenses for you, but it depends on your approved APR and credit score.

What do I need to prepare for my debt consolidation loan application?

You’ll need these are the documents for your debt consolidation 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.

Where can I get a debt consolidation loan?

You can apply to banks and money lenders in-person or online for debt consolidation loans.