中文
Mox Instant Loan

Mox Instant Loan

1.18%
APR as low as*
HK$202,976
Total Amount Payable
HK$2,976
Total Interest Payable

Loan Details

  • The Annualised Percentage Rate ranges from 1.02% to 18.86%, with repayment period of 3 to 60 months.
  • For an Instant Loan with a principal amount of HKD1,000,000 with a repayment period of 6 months, the Annualised Percentage Rate (APR) is as low as 1.18% (which does not include any cash reward under the Instant Loan Cash Reward Promotion). Total repayment amount is HKD1,003,420. The APR is calculated using methods specified in relevant guidelines as set out in the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR for an Instant Loan is subject to Mox’s final decision on a case-by-case basis and the Mox Credit account status at the time Mox receives the Instant Loan application.
  • Instant Loan Cash Reward Promotion Terms and Conditions apply. For an Instant Loan with a principal amount of HKD1,000,000 with a repayment period of 60 months, the Annualised Percentage Rate (APR) is as low as 3.50% (when including the cash reward of HKD10,888, which will be credited to your Mox Account on or before 31 October 2026), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 3.95%. If you apply to top up your active Instant Loan(s), the Eligible Instant Loan Amount for the Instant Loan Cash Reward Promotion will be the Instant Loan principal amount that is on top of the outstanding principal amount of your active Instant Loan(s).
  • For an Instant Loan of HKD100,000 split into 60 monthly instalments, the Annualised Percentage Rate (APR) is 3.95%. With interest calculated on 365 days per year, the estimated daily interest amount is HKD5.6 (rounded to the nearest whole number).
  • Instant Loan is available at the touch of a button in your Mox App with no extra documents required, so you can apply 24/7, you can calculate the actual annual interest rate, monthly payment, and total repayment amount in real time on the Mox App according to the repayment period you set. Ultra-transparent, no hidden charges
  • You can apply for a higher credit limit by uploading income proof documents in Mox app
  • An Instant Loan application must be for at least HK$5,000. Maximum Instant Loan amount HK$2,000,000. The maximum amount of an Instant Loan depends on the status of your Mox Credit. For example, your maximum Instant Loan amount will vary depending on factors such as your available credit limit for Mox Credit.
  • You can calculate the actual annual interest rate, monthly repayment amount and total payable amount via App before submitting your application. No hidden fee.
  • The flexible repayment period ranges from 3 to 60 months.
  • You need to provide HKID for Mox Account opening and apply for Mox Credit. The approval time for Instant Loan application depends on the status of your Mox Credit. In some circumstances, we may require you to provide supporting documents by a simple submission process when you apply for Mox Credit. The approval time for Mox Credit is subject to a customer’s individual circumstances.
  • The APR is calculated using methods specified in relevant guidelines as set out in the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR for an Instant Loan is subject to Mox’s final decision on a case-by-case basis and the Mox Credit account status at the time Mox receives the Instant Loan application. For more details, please refer to Instant Loan Key Facts Statement and Schedule 3 to the General Terms and Conditions on Mox website for details.
  • To borrow or not to borrow? Borrow only if you can repay

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