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!
Citywide Goal Big Limited-Time Offer ⚽ HK$1,600 Application Bonus + 12% Additional Cash Rebate 🚨
💰 HK$1,600 Cash Reward regardless of approval
⚽ Citywide Goal Big Limited-Time Offer, extra 12% WeLend Cash Rebate, up to HK$33,600
⚡ No Income or Address Proof Required for Loan Amounts Below HK$300,000
💨 AI-Powered Ultra-Fast Processing – Get Cash Anytime, 24/7
Valid till 30 Jun 2026
【Limited-Time Flash Offer】HK$1,300 Cash Reward Regardless of Approval 🔴 Grab the Gold Ball Every Day at 12PM#
From now until 30 June 2026, both new and existing customers who successfully apply for and draw down a UA i-Money Online Personal Loan via MoneySmart can enjoy:
1️⃣ Regardless of Approval - HK$1,300 Cash, or HK$1,500 Cash Voucher, or a gift worth up to HK$4,998
2️⃣ Loan Drawdown Reward - enjoy up to HK$18,000 in cash rewards ^
3️⃣ Grab the Gold Ball Every Day at 12PM#
Valid till 30 Jun 2026
【MoneySmart Exclusive － Get up to HK$22,799 Rewards now!】
From 1 June until 30 June 2026, eligible new customers apply via MoneySmart and drawdown designated loan amount, receive MoneySmart exclusive gift Insta 360 X4 Air (Standard Bundle) (value: $2,799). Total rewards up to HK$22,799, including CreFIT cash back🎁
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Incognito mode quotation with no impact on credit rating#, No income proof required, Cash Loan Approval Pledge^ Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns.
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Introducing the brand new feature - free personal credit report download! 📋
Valid till 30 Jun 2026
June Deal ⚡ Application Bonus: AirTag / Doshisha Gorilla / Airport Lounge Pass
From 1 June to 30 June 2026, customers who successfully apply for a WeLend No Document Loan via MoneySmart can choose one of the following gifts — regardless of approval:
✈️ 2 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$1,300) or
🦧 Doshisha Gorilla Hand Massager + Doshisha Gorilla Calf Massager (Total value: HK$736); or
🍎 2 x AirTag (Total value: HK$498); or
💰 HK$500 cash (automatically converted by 5,000 SmartPoints) directly deposited into your FPS account
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AI identify verification 😌 no additional documents ⚡ 24/7 loan approval
Valid till 30 Jun 2026
MoneySmart Exclusive Promo Code「MS8000」🎟️ Get HK$3,450 brand new reward regardless of approval
From 1 June to 15 June 2026, apply for X Wallet X Cash.AI via MoneySmart and enter promo code「MS8000」to enjoy rewards worth up to total HK$11,450 🎁
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🎧 Regardless of approval, receive MoneySmart exclusive reward:
・3 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$3,450) or
・SONY WF-1000XM5 Wireless Noise Cancelling Earbuds (Value: HK$2,490, random color) or
・PHILIPS RO Water Dispenser ADD6901/90 (Value: HK$1,998, random color) or
・HK$1,500 Parknshop e-Voucher / Trip.com e-voucher / HKTVmall e-Gift Voucher or
・HK$1,400 Apple Store Gift Card
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💰 Successfully drawing down designated loan amount, and meeting specified conditions, can receive:
・ HK$20,000 - HK$168,000 - HK$2,700 cash rebate*
・ HK$168,001 or above - HK$8,000 cash rebate*
Valid till 15 Jun 2026
【June Special Offer 🥳 — Earn Up to HK$41,460 in Rewards ✨】
From 1 June until 30 June 2026, customers who successfully applied for WeLend Card Debt Consolidation Loan via MoneySmart, can enjoy brand new rewards of － OSIM Invisible Massage Chair (value: HK$10,660) / HK$6,000 Apple Store Gift Card / Parknshop e-Voucher! Whats more : you can also earn WeLend Cash Rebate of up to HK$30,000 🎁
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Earn HK$800 Apple Store Gift Card regardless of Approval! 🍎
From 1 June until 30 June 2026, customers who successfully applied for WeLend Card Debt Consolidation Loan via MoneySmart with loan size HK$200,001 or above, and submitted all the required documents, can enjoy HK$800 Apple Store Gift Card🍎 - regardless of approval!
Valid till 30 Jun 2026
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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.
Valid till 30 Jun 2026
【MoneySmart Exclusive】HK$800 cash reward regardless of loan approval result 💰 Total reward up to HK$3,300
During promotion period 1 June 2026 to 30 June 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:
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1️⃣ Receive HK$800 cash reward regardless of loan approval result (automatically converted from SmartPoints and directly credited to your FPS account)
2️⃣ Drawdown for a designated loan amount, can receive HK$2,000 cash reward (automatically converted from SmartPoints and directly deposited into FPS account)
3️⃣ Apply online using promo code「WEB500」can receive an extra HK$500 shopping voucher ⬟ upon first drawdown of a designated loan amount
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⚡ No supporting documents required #｜ Instant online approval ⦿
👉 Earn rewards worth up to HK$3,300 in total!
Valid till 30 Jun 2026
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【MoneySmart Exclusive Gift ✈️ HK$1,300 Plaza Premium Lounge Access Pass / 🛍️ HK$800 voucher regardless of approval 】
From now until 30 June 2026, customer who successfully applies for OK Finance Express Personal Loan via MoneySmart with all required documents submitted, can enjoy exclusive gift regardless of approval (fulfilled by MoneySmart):
🥊 2x Plaza Premium Lounge APAC 3 hrs Access Pass (Total valued HK$1,300) or
🥊 HK$800 Apple Store Gift Card or
🥊 HK$800 Parknshop e-Voucher or
🥊 HK$800 HKTVmall e-Gift Voucher.
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🌟 Successfully applied for and drawn down on personal loan could enjoy up to HK$10,000 supermarket coupon (fulfilled by OK Finance) Total reward up to HK$11,300!
Valid till 30 Jun 2026
【MoneySmart Exclusive】HK$800 cash reward regardless of loan approval result 💰 Total reward up to HK$3,300
During promotion period 1 June 2026 to 30 June 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:
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1️⃣ Receive HK$800 cash reward regardless of loan approval result (automatically converted from SmartPoints and directly credited to your FPS account)
2️⃣ Drawdown for a designated loan amount, can receive HK$2,000 cash reward (automatically converted from SmartPoints and directly deposited into FPS account)
3️⃣ Apply online using promo code「WEB500」can receive an extra HK$500 shopping voucher ⬟ upon first drawdown of a designated loan amount
⠀⠀
⚡ No supporting documents required #｜ Instant online approval ⦿
👉 Earn rewards worth up to HK$3,300 in total!
Valid till 30 Jun 2026
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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.
Valid till 30 Jun 2026
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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.
Valid till 30 Jun 2026
From now until 30 June 2026, new and existing customers who successfully apply for and draw down UA Civil Servants and Professionals Express Loan via MoneySmart 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! or
2️⃣ Successful application and drawdown to enjoy up to HK$18,000 cash rewards^!
Valid till 30 Jun 2026
【MoneySmart Exclusive Gift ✈️ HK$1,300 Plaza Premium Lounge Access Pass / 🛍️ HK$800 voucher regardless of approval 】
From now until 30 June 2026, customer who successfully applies for OK Finance Express Personal Loan via MoneySmart with all required documents submitted, can enjoy exclusive gift regardless of approval (fulfilled by MoneySmart):
🥊 2x Plaza Premium Lounge APAC 3 hrs Access Pass (Total valued HK$1,300) or
🥊 HK$800 Apple Store Gift Card or
🥊 HK$800 Parknshop e-Voucher or
🥊 HK$800 HKTVmall e-Gift Voucher.
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🌟 Successfully applied for and drawn down on personal loan could enjoy up to HK$10,000 supermarket coupon (fulfilled by OK Finance) Total reward up to HK$11,300!
Valid till 30 Jun 2026
【MoneySmart Exclusive】HK$800 cash reward regardless of loan approval result 💰 Total reward up to HK$3,300
During promotion period 1 June 2026 to 30 June 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 Receive HK$800 cash reward regardless of loan approval result (automatically converted from SmartPoints and directly credited to your FPS account)
2️⃣ Drawdown for a designated loan amount, can receive HK$2,000 cash reward (automatically converted from SmartPoints and directly deposited into FPS account)
3️⃣ Apply online using promo code「WEB500」can receive an extra HK$500 shopping voucher ⬟ upon first drawdown of a designated loan amount
⠀⠀
⚡ No supporting documents required #｜ Instant online approval ⦿
👉 Earn rewards worth up to HK$3,300 in total!
Valid till 30 Jun 2026
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Incognito mode quotation with no impact on credit rating#, No income proof required, Cash Loan Approval Pledge^ Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns.
Valid till 02 Jul 2026
Citywide Goal Big Limited-Time Offer ⚽ HK$1,600 Application Bonus + 12% Additional Cash Rebate 🚨
💰 HK$1,600 Cash Reward regardless of approval
⚽ Citywide Goal Big Limited-Time Offer, extra 12% WeLend Cash Rebate, up to HK$33,600
⚡ No Income or Address Proof Required for Loan Amounts Below HK$300,000
💨 AI-Powered Ultra-Fast Processing – Get Cash Anytime, 24/7
Valid till 30 Jun 2026
【MoneySmart Exclusive － Get up to HK$22,799 Rewards now!】
From 1 June until 30 June 2026, eligible new customers apply via MoneySmart and drawdown designated loan amount, receive MoneySmart exclusive gift Insta 360 X4 Air (Standard Bundle) (value: $2,799). Total rewards up to HK$22,799, including CreFIT cash back🎁
⠀⠀
Incognito mode quotation with no impact on credit rating#, No income proof required, Cash Loan Approval Pledge^ Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns.
⠀⠀
Introducing the brand new feature - free personal credit report download! 📋
Valid till 30 Jun 2026
Valid till 31 Dec 2026
On the fly - $200 Cash to your pocket✨
From 1 June until 30 June 2026, customers who successfully applied for WeLend Property Owner Loan via MoneySmart, can enjoy HK$200 cash (automatically converted by 2,000 SmartPoints) directly deposited into your FPS account - regardless of approval! Whats more : you can also earn WeLend Cash Rebate of up to HK$30,000 🎁
Valid till 30 Jun 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, 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).