Compare Money Lenders Loan in Hong Kong 2026
Compare the best personal loans from lending companies in Hong Kong, with the lowest interest rate and APR, to help you instantly with your financial needs.
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We found 27 Personal Loans for you!
✨ 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.
Valid till 11 Oct 2026
[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.
Valid till 11 Oct 2026
【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.
Valid till 31 Oct 2026
【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.
Valid till 31 Oct 2026
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【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
Valid till 31 Oct 2026
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.
Valid till 31 Oct 2026
【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
Valid till 31 Oct 2026
【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
Valid till 31 Oct 2026
✨ 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
Valid till 31 Oct 2026
【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 Seasonal Tax Loan / UA Civil Servants and Professionals Express 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)
⠀⠀
Warning: You have to repay your loans. Don't pay any intermediaries.
Valid till 31 Oct 2026
【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 Seasonal Tax Loan / UA Civil Servants and Professionals Express 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)
⠀⠀
Warning: You have to repay your loans. Don't pay any intermediaries.
Valid till 31 Oct 2026
【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
Valid till 31 Oct 2026
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.
Valid till 31 Oct 2026
【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.
⠀⠀
⚡ 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.
⠀⠀
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
Valid till 31 Oct 2026
【CreFIT Offer】
The promotional period from today until 31 December 2026, new customers who have not held a CreFIT loan account in the past 24 months successfully register and drawdown CreFIT Cash Loan Debt Consolidation with certain amount, with repayment period 12 months or more in order to enjoy up to HK$60,000 cashback.
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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.
Valid till 31 Dec 2026
【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 🎁
⠀⠀
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! 📋
⠀⠀
Warning: You have to repay your loans. Don't pay any intermediaries.
Valid till 31 Oct 2026
Valid till 31 Dec 2026
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, insurance company, 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 Licensed Money Lender Loans in Hong Kong 2026
| Money Lenders Loan | APR as low as | Features |
|---|---|---|
| UA i-Money Express Online Personal Loan | 0.0% | * Complete 24x7 online with instant approval and instant cash transfer by FPS |
| WeLend Personal Loan | 1% | No income proof and address proof required for loan size less than $300,000 |
| WeLend Debt Consolidation Loan | 1% | Offer 3 personalized repayment plan for flexible choice |
| Promise Easy Loan | 1.12% | Offer no doc loans, get approved even on Sunday |
| PrimeCredit Civil Servant & Professional Loan | 1.18% | Enjoy as low as 0.05% monthly flat rate with 14-day Flexi Payment |
| PrimeCredit Fixed Loan | 1.18% | Apply for personal loans from PrimeCredit's mobile application |
| PrimeCredit Balance Transfer Loan | 1.18% | Tailor-made faster repayment plan with instant approval |
| AEON Flexi Personal Loan | 4.63% | Tenure up to 60 months with a monthly flat rate as low as 0.2% |
What is a Licensed Money Lender?
Traditionally, going to the bank was the only way you could get a loan, whether secured (for example, a mortgage, where the bank holds your property as collateral to make sure you repay them) or unsecured (such as a personal loan disbursed in cash).
Today, though, it’s not just banks that do this. There are now hundreds of money lenders in Hong Kong - that is, any company that lends money to individuals.
For those who have difficulty getting a bank loan approved (due to lack of income or bad credit score, for example), money lenders are an alternative, even though they typically charge higher interest rates than banks do.
To protect yourself from illegal businesses, however, you should only borrow from a licensed money lender that is registered with the Hong Kong government. You can find a list of licensed money lenders in the Hong Kong Companies Registry (www.cr.gov.hk) website.
Licensed money lenders are governed by the Money Lenders Ordinance under Hong Kong law, which protects consumers and prevents lending companies from taking advantage of or harassing them.
Licensed Lending Companies VS Bank
Approval Process
Licensed money lenders are usually more nimble than banks, so you can usually get a personal loan approved by a moneylender sooner - which would be crucial if you need to borrow money for a sudden emergency.
No Income Proof Required
In some cases, money lenders don’t even require supporting documents from you, which makes the process even quicker. For example, WeLend has a No Document Loan, where you do not need to submit income or address proof.
Application Procedure
Many moneylenders offer online loan applications for customers, which is appealing considering how quickly and conveniently you can get a loan this way.
How to compare the best loans from Lending companies in Hong Kong?
There are numerous lending companies offering loan services in Hong Kong, including personal loan, tax loan, debt consolidation loan and more, with benefits like instant cash delivery, no supporting documents required and loan approval on weekends etc. MoneySmart is here to help you pick the best personal loan from lending companies such as AEON, Promise, PrimeCredit, UA and WeLend, by comparing monthly interest rates, repayment amount, APR or more factors, to fit your financial needs in the most convenient way.
Can You Borrow from a Money Lender with Bad Credit?
Going to a licensed money lender may be the most suitable option (or the only one) for applicants with bad credit scores. However, one will have to keep in mind that the interest rates from these companies are generally a lot higher than the rates offered by banks (due to the risky nature of these transactions). In Hong Kong, there are over one hundred licensed money lenders. The most popular money lending institutions include WeLend, Promise, UA Finance, and AEON.
Everything you need to know about borrowing from Money Lender
Flexible Payment Plans
Money lenders may charge higher APR than banks, but on the flip side, they usually offer more flexible repayment options, and it might make more sense to go with a money lender if you plan to repay the loan in a very short period (less than a year). While most banks charge fees like 1.5% or 2% if you repay the loan amount ahead of schedule, licensed money lenders typically do not charge such fees. So if your cash flow allows for it, you have the freedom to clear your debt earlier.
Loan Amount Restriction
Money lenders usually restrict the amount a person can borrow if only the minimum documents are submitted.
Terms of Agreement
It would be wise to spend time to read and understand the moneylender’s terms of the agreement . It is important to find out if collateral or guarantor is required. You also need to find out if you will be penalised for making advance payment and the interest rate for late repayment.
Flexible Payment Plans
Money lenders may charge higher APR than banks, but on the flip side, they usually offer more flexible repayment options, and it might make more sense to go with a money lender if you plan to repay the loan in a very short period (less than a year). While most banks charge fees like 1.5% or 2% if you repay the loan amount ahead of schedule, licensed money lenders typically do not charge such fees. So if your cash flow allows for it, you have the freedom to clear your debt earlier.
Personal Loans Eligibility
To apply for a loan, the applicant must be a permanent Hong Kong resident who is at least 18 years of age. Besides, applicants are usually required to submit proof of identity, income proof and proof of address.
Higher Interest Rates
There are many benefits in borrowing money from money lenders but they usually charge higher interest rates than banks, anywhere from 6-30% on average, since they are less strict in requirements, the risks of bad debts are higher.
Frequently Asked Questions
When is the difference between APR or monthly flat rate when borrowing from lending companies?
You should always use APR (annual percentage rate) in calculation whether you are getting a loan from a bank or moneylenders. Although you can easily calculate the monthly repayment amount using monthly flat rates, APR includes fees you may be charged, like handling fee, interests etc, which can give you a better idea of how much you will pay exactly to take out a loan.
Is it safe to apply for personal loans from lending companies online?
You should always do your due diligence to protect yourself from online fraud and scams, though. For example, make sure the money lending site is encrypted (look for the padlock icon) and that the URL is correct. You should also read the terms and conditions carefully to protect yourself from unexpected circumstances.
How much can I borrow from lending companies in Hong Kong?
Most licensed money lenders do not stipulate specific loan limits; instead, they personalize the loan limit based on each applicant’s background, financial situation, and income.
How do I know if a money lender is licensed or not?
Check the Hong Kong Companies Registry for the most updated list of licensed money lenders. You can find this on the Companies Registry website. Should you encounter a company that claims to be licensed, you can also check CR for lists of expired, dismissed and withdrawn money lending licenses.
What is the Money Lenders Ordinance?
The Money Lenders Ordinance is a set of laws that regulate money lending companies in Hong Kong. These are typically meant to protect the consumer. For example, money lenders are prohibited from lending money at more than 60% per annum effective interest rate. Moneylenders are required by law to follow these rules, but of course, there are unlicensed ones with illegal practices as well.
How to get a lower interest rate on a personal loan?
It is important to maintain a good credit rating, which will affect your interest rates. You can do so by paying off debts or correcting any errors in your credit history.
What is APR?
APR (annual percentage rate) is your interest rate stated as a yearly rate, which shows your borrowing cost. An APR for a loan can include fees you may be charged, like handling fees. APR is important because it can give you a good idea of how much you will pay to take out a loan. The lower the APR, the cheaper the loan is.
Are money lending companies legal?
It depends. The Money Lenders Ordinance is a set of laws that regulate money lending companies in Hong Kong. These are typically meant to protect the consumer. For example, money lenders are prohibited from lending money at more than 60% per annum effective interest rate. Money lenders are required by law to follow these rules, but of course, there are unlicensed ones with illegal practices as well.
AI Summary
- Top licensed money lenders in Hong Kong for 2026 include UA, WeLend, Promise, PrimeCredit, and AEON, with APRs starting as low as 0.0%.
- Many lenders offer online applications, instant approval, 24/7 access, and features like no income proof required for certain amounts.
- Licensed money lenders are often more flexible and faster than banks, making them suitable for emergencies or applicants with poor credit.
- Interest rates are typically higher compared to banks, and loan amounts might be limited if only minimal documentation is provided.
- Always borrow from licensed lenders listed in the Companies Registry, read all terms carefully, and use APR to compare total costs.
- Applying online requires checking for website security and ensuring compliance with Hong Kong’s Money Lenders Ordinance (max 60% APR).
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance product comparison platform designed to save you time and money.
- 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.