✨ HK$1,600 Application Bonus + Extra HK$200 Apple Store Gift Card 🍎
💰 HK$1,600 Cash Reward + extra HK$200 Apple Store Gift Card regardless of approval
⚡Up to HK$14,000 rewards upon loan amount of HK$300,001
💨 AI-Powered Ultra-Fast Processing – Get Cash Anytime, 24/7
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more! Visit the campaign page for details. T&Cs apply.
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Warning: You have to repay your loans. Don't pay any intermediaries.

【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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🤑 【Tax Season Pit Stop — Citi Tax Loan Annualised Interest Rate as Low as 1.56% + Early Bird Rewards Worth Up to HK$21,300】
Tax season is here again — make a quick MoneySmart Pit Stop and plan your cash flow smarter! From 1 October to 11 October 2026, customers who successfully apply for and draw down a Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan via MoneySmart can enjoy total rewards worth up to HK$21,300.
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Submit all required loan documents, apply for a loan amount of HK$200,000 or above with a repayment tenor of 12 months or above, and receive a HK$800 Cash Reward + HK$200 Apple Store Gift Card.
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✨ 【Upgraded Drawdown Rewards — Choose Up to HK$16,300 Cash / Vouchers, Dyson New Products or a 360° Drone】
New customers who successfully apply from 1 October to 11 October 2026 and draw down the loan on or before 14 November 2026 can choose their favourite MoneySmart-exclusive reward: HK$16,300 Apple Store Gift Card / ParknShop e-Vouchers / HKTVmall e-Vouchers / Cash, or rewards worth up to HK$9,999, including a 360° drone.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including the latest flagship phone, electronic products, and Apple Store gift cards! Visit the campaign page for details. T&Cs apply.

【October Exclusive Offer】Get HK$900 Cash Reward or Gifts Worth Up to HK$2,380 — Regardless of Approval* ✨
From now until 31 October 2026, both new and existing customers¹ who successfully apply for and draw down a UA i-Money Internet Personal Loan via MoneySmart can enjoy:
1️⃣ [Regardless of Approval*🪄] Moneysmart Exclusive reward after submitting all required documents:
・HK$900 cash (automatically converted by 9,000 SmartPoints) and will directly deposit into your FPS account; or
・HK$900 Apple Store Gift Card; or
・HK$1,000 Parknshop e-Voucher / HKTVmall e-Voucher; or
・OSIM uErgoh Air (Value: HK$2,380, random color) or
・TEA CHÂTEAU Modern Tea Machine Set (Value: HK$1,838) or
・POLAROID Now Generation 3 i-Type Instant Camera (Value: HK$1,199, random color)
2️⃣ Loan Drawdown Reward - enjoy up to HK$18,000 in cash rewards ^
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Warning: You have to repay your loans. Don't pay any intermediaries.

【Tax Season Flash Sales⚡HK$1,500 Cash regardless of approval 】
From 8 October until 14 October 2026, successfully apply WeLab Bank Personal Instalment Loan via MoneySmart promo code 「NLSMRT」to enjoy:
 💰 HK$1,500 cash regardless of approval
⚠️ APR as low as 1.66%
🤑 Total rewards of up to HK$31,048
📝 Free and unlimited access to credit score assessments.
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To borrow or not to borrow? Borrow only if you can repay!

【APR as low as 1.38%！】MoneySmart Exclusive - HK$1,500 Apple Store Gift Card 🍎 Regardless of Approval!
From 1 October to 31 October 2026 (both days inclusive), customers who successfully apply for Dah Sing Express Money Instalment Loan via MoneySmart, submit all required documents  (including but not limited to a copy of the Hong Kong ID, proof of address, and proof of income), loan amount HK$200,000 or above, can receive HK$1,500 Apple Store Gift Card, regardless of approval.
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Successfully draw down the designated loan amount and get total rewards up to HK$28,500!
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To borrow or not to borrow? Borrow only if you can repay!

[Limited Time] Get HK$1,500 voucher / HK$3,498 reward + extra HK$200 Apple Store Gift Card regardless of approval 🍎
From 1 October to 11 October 2026, new customer apply for X Wallet X Cash.AI via MoneySmart and enter promo code "MS18000" to enjoy HK$1,500 voucher / HK$3,498 reward +HK$200 Apple Store Gift Card regardless of approval 🍏 Total rewards worth up to HK$21,698 🏆
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【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 X Wallet Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
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〖🏁X Wallet Customer Exclusive〗
Apply for X Cash.AI by X Wallet with promo code「MS18000」 and achieve the highest score among X Walle eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
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Visit the campaign page for details. T&Cs apply.
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Warning: You have to repay your loans. Don't pay any intermediaries.

🤑 【Tax Season Pit Stop — Citi Tax Loan Annualised Interest Rate as Low as 1.56% + Early Bird Rewards Worth Up to HK$21,300】
Tax season is here again — let MoneySmart help you make a Pit Stop for smarter cash flow planning! From 1 October to 11 October 2026, customers who successfully apply for and draw down a Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan via MoneySmart can enjoy total rewards worth up to HK$21,300!
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Submit all required loan documents and apply for a loan amount of HK$200,000 or above with a repayment tenor of 12 months or above to receive a HK$800 Cash Reward + HK$200 Apple Store Gift Card!
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✨ 【Upgraded Drawdown Rewards — Choose Up to HK$16,300 Cash / Vouchers, Dyson New Products or a 360° Drone】
New customers who successfully apply from 1 October to 11 October 2026 and successfully draw down the loan on or before 14 November 2026 can choose their favourite MoneySmart-exclusive reward: HK$16,300 Apple Store Gift Card / ParknShop e-Vouchers / HKTVmall e-Vouchers / Cash, or rewards worth up to HK$9,999, including a 360° drone.
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[Flash Sales until 9 Oct⚡] Total Rewards Up to HK$48,600💰Lower Your Interest - Smarter Debt Management Starts Here!
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1️⃣ Limited Offer ⏰ Get extra HK$800 cash 💰regardless of approval
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2️⃣ Limited Offer ⏰  Successfully drawdown the loan amount of HK$100,000 or above, you will receive an extra of HK$2,500 Cash!
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3️⃣ 215,000 SmartPoints can fully redeem HK$21,500 vouchers or products like iPhone / Macbook Pro at The Reward Store! ✨
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4️⃣ Including DBS coupon, enjoy total rewards up to HK$48,600 🎉
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To borrow or not to borrow? Borrow only if you can repay!

【MoneySmart Exclusive Gift 💰 HK$1,400 Cash Rewards regardless of approval 】
From now until 31 October 2026, customers who successfully apply for OK Finance Express Personal Loan via MoneySmart, with loan amount of HK$100,001 or above and all required documents submitted, can enjoy a HK$1,400 cash reward (automatically converted from 14,000 SmartPoints and directly deposited into FPS account) regardless of approval.
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🌟【Upgraded Offer】Successfully applied for and drawn down on personal loan could enjoy up to HK$28,000 cash reward (fulfilled by OK Finance) [Tax Season Exclusive] Total reward up to HK$29,400!
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Warning: You have to repay your loans. Don't pay any intermediaries

AI identify verification 😌 no additional documents ⚡ 24/7 loan approval
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MoneySmart Exclusive Gift - regardless of approval:
💰 HK$500 cash (automatically converted by 5,000 SmartPoints) directly deposited into your FPS account; or
🍎 2 x AirTag (Total value: HK$498); or
✈️ 2 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$1,300)
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Warning: You have to repay your loans. Don't pay any intermediaries.

MoneySmart promo code「NLSMRT」－ up to $32,688 rewards
💰 HK$800 vouchers regardless of approval
📈 Save up to 97% on interest
✅ Repayment period up to 72 months
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To borrow or not to borrow? Borrow only if you can repay!

Save Up to 90% on Interest and Boost Your Credit Score ✨ Plus, Earn Rewards Worth Up to HK$41,460
💰 MoneySmart Exclusive: Get HK$800 Cash—Whether Your Application Is Approved or Not!
🤩 Get three tailored repayment plans in one go. Whether you want to save more on interest, repay your debt faster or lower your monthly instalments, you decide how to clear your credit card balances.
🤖 The WeLend AI Credit Card Debt Calculator also helps you plan ahead with a step-by-step repayment strategy, so you can clear your debts more effectively and gradually improve your credit score.
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Warning: You have to repay your loans. Don't pay any intermediaries.

✨ HK$1,600 Application Bonus 💰
💰 HK$1,600 Cash Reward  regardless of approval
⚡Up to HK$14,000 rewards upon loan amount of HK$300,001
💨 AI-Powered Ultra-Fast Processing – Get Cash Anytime, 24/7

【MoneySmart Exclusive － Get up to HK$62,799 Rewards now!】
From 1 October to 31 October 2026, eligible new customers who successfully apply for and draw down a designated loan amount via MoneySmart can enjoy one of the following exclusive MoneySmart rewards:
・Insta360 X4 Air Standard Bundle (Value: HK$2,799); or
・HK$1,800 Cash Reward (automatically converted from 18,000 SmartPoints)
・Together with the CreFIT cash rebate, enjoy total rewards worth up to HK$62,799 🎁
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Incognito mode quotation with no impact on credit rating#, No income proof required, Cash Loan Approval Pledge^ Approval result in 30s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns. Introducing the brand new feature - free personal credit report download! 📋
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Warning: You have to repay your loans. Don't pay any intermediaries.

【PrimeCredit Offer 🎉】From 1 September until 31 October 2026, enjoy up to HK$18,000 Cash Bonus upon successful application and drawdown of a designated loan amount via MoneySmart, including: PrimeCredit Fixed Loan / Balance Transfer Loan / Civil Servant & Professional Loan / Property Owner Personal Loan.
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⚡ APR as low as 1.18% ✨ No handling fee ✔️ No income proof required for loans of HK$100,000 or below. Online application with 24/7 instant approval and loan disbursement
Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website.
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All examples are for reference only. Final approval is subject to the applicant’s individual circumstances.

Warning: You have to repay your loans. Don't pay any intermediaries

【MoneySmart Exclusive】Up to HK$3,000 total reward upon drawdown for HK$30,000💰
During promotion period 2 October 2026 to 31 October 2026 (both dates inclusive), eligible new customers who successfully apply via MoneySmart for Promise Easy Loan / Promise No-doc Loan / Promise Debt Consolidation Loan can receive:
1️⃣ Drawdown for a designated loan amount, can receive HK$2,000 cash reward (automatically converted from SmartPoints and directly deposited into FPS account)
2️⃣ Apply online and receive an extra HK$1,000 shopping voucher ⬟ upon first drawdown of a designated loan amount
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⚡ No supporting documents required #｜ Instant online approval ⦿
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Warning: You have to repay your loans. Don't pay any intermediaries.