Last chance for low-interest loan! A flexible loan product with low-interest instalment and combined the benefits of both revolving and instalment loan. Enjoy APR as low as 1.08% and no extra fee for early repayments, re-borrow without reapproval. As quickly as 2 minutes instant approval and disbursement online. Supporting documents not required, Apply 24x7 with mobile app!
1.08%
APR*
HK$170,200
Total Amount Payable
HK$70,200
Total Interest Payable
Bank Promo
Enjoy APR as low as 1.20%, earn up to $2,500 HKD cash rebate!
Effective immediately from now on to June 31, earn extra $1,000 HKD rebate with MoneySmart exclusive invitation code 【msmart#2500A】Totally earn up to $2,500 cash rebate, APR as low as 1.08%! 
Valid until 30 Jun 2022 - See more details below

Are you eligible?

    • Use MoneySmart exclusive invitation code 【msmart#2500A】to apply loan
    • New customers who have opened account with promote code【msmart#2500A】and spend $250 will get extra $250 cash rewards
    • A single transaction of $250 or above with livi PayLater Mastercard® / livi Debit Mastercard® / livi UnionPay QR payment

What you need to know

  1. Drawdown HK$100,000 - HK$249,999:HK$300 Cash Rebate
  2. Drawdown HK$250,000 - HK$799,999: HK$1,000 Cash Rebate
  3. Drawdown HK$800,000 - HK$1,000,000:HK$2,500 Cash Rebate

Quick Facts

Best For

Suitable for those who have plans in mind but didn't achieve it due to lack of money. E.g. for home decoration/moving into a new house/marriage/start for a new business. For those who request a flexible loan service with low-interest

Loan Approval Time

Instant approval and disbursement online

Loan Disbursement

As quickly as 2 minutes instant approval and disbursement

Guaranteed Interest Rate?

Enjoy APR as low as 1.08%

Expert Tips

Apply with your mobile app, no need any document proof but only HKID + mobile number is required for application, disburse upon instant approval

All Details

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Monthly Payment
HK$14,183