_RGB (1).png){kind=small}
OK Finance Express Personal Loan | Limited Upgrade Offer
Apply through MoneySmart and redeem for any of these:
Product Carousel
MoneySmart Exclusive
Regardless of Approval - Loan amount of HK$100,001 or above and all required documents submitted, can enjoy HK$1,400 cash reward (automatically converted from 14,000 SmartPoints and directly deposited into FPS account)
Regardless of Approval - Loan amount of HK$100,001 or above and all required documents submitted, can enjoy HK$1,400 cash reward (automatically converted from 14,000 SmartPoints and directly deposited into FPS account)
【MoneySmart Exclusive Gift 💰 HK$1,400 Cash Rewards regardless of approval 】
From now until 31 August 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.
⠀⠀
🌟【Upgraded Offer】Successfully applied for and drawn down on personal loan could enjoy up to HK$28,000 cash reward (fulfilled by OK Finance) Total reward up to HK$29,400!
Valid till 31 Aug 2026
ARE YOU ELIGIBLE?
[HK$1,400 Cash Rewards - Regardless of Approval! 💰]
From now until 31 August 2026, customers who successfully apply for OK Finance Express Personal Loan via MoneySmart, with a 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.
⠀⠀
The above rewards do not apply to customers who have applied for a designated OK Finance loan via MoneySmart and successfully redeemed rewards within the past 12 months.
⠀⠀
Only loan applications with a final outcome of either "Approved and Accepted" or "Declined" will be eligible for the reward. Example: If a customer submits a loan application and the application status is shown as "Cancelled", regardless of whether the cancellation is initiated by (i) the lending institution or (ii) the applicant (including, but not limited to, withdrawal or cancellation due to disagreement with the approved loan amount, interest rate, or repayment tenor), the application will not be regarded as "Approved and Accepted" or "Declined", and therefore will not be eligible for the reward.
⠀⠀
Customers must complete and submit the redemption form after logging in to MoneySmart before 7 September 2026
⠀⠀[Upgraded Offer for Loan Drawdown – Cash Rewards up to HK$28,000]
From 1 August to 31 August 2026, eligible customers who apply and successfully draw down an approved loan amount of HK$100,001 or above, can receive up to HK$28,000 cash reward (Fulfilled by OK Finance):
⠀⠀
Repayment period of 12-35 months:
・Loan amount between HK$100,000-$299,999, receive HK$2,800 reward
・Loan amount between HK$300,000-$499,999, receive HK$8,000 reward
・Loan amount between HK$500,000-$799,999, receive HK$10,000 reward
・Loan amount between HK$800,000-$999,999, receive HK$12,000 reward
・Loan amount between HK$1,000,000-$1,499,999, receive HK$15,000 reward
・Loan amount HK$1,500,000, receive HK$18,000 reward
⠀⠀
Repayment period of 36 months or above:
・Loan amount between HK$100,000-$299,999, receive HK$3,800 reward
・Loan amount between HK$300,000-$499,999, receive HK$10,000 reward
・Loan amount between HK$500,000-$799,999, enjoy up to HK$12,000 reward
・Loan amount between HK$800,000-$999,999, enjoy up to HK$14,000 reward
・Loan amount between HK$1,000,000-$1,499,999, enjoy up to HK$18,000 reward
・Loan amount HK$1,500,000, enjoy up to HK$28,000 reward
⠀⠀
OK Finance offer is subject to terms and conditions. For details, please refer to the application website.
WHAT YOU NEED TO KNOW
Please note: if you have an AdBlocker present or are using incognito mode on your browser, MoneySmart and our bank partners will not be able to track your source of application. Please ensure you turn off AdBlocker and exit incognito mode before apply.
Loan Details
- Member of Dah Sing Financial Group with strong and stable funding, helping to reduce borrowing costs and offer attractive customer benefits.
- Compliant with relevant Banking industry’s regulatory requirements and codes, rest assured with your application
- Low Interest as low as 1.12% APR*
- Loan amount up to 22x monthly income or HK$1.5M#, repayment period up to 72 months
- Highly flexible loan plan with self-selected repayment period and first repayment date, so monthly instalments better match personal cash flow.
- Support fast online applications with instant approval result, as well as in branch professional service, allowing easy borrowing whether at home or in person.
- * The Annualized Percentage Rate ("APR") of as low as 1.12% is assuming that the approved loan amount is HKD100,000, with a 12-month loan tenor and 0.05% as monthly flat rate, the APR is 1.12%, the total interest is HKD604.60 and your total repayment amount is HKD100,604.60. APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places and may vary for individual customers. Customers should refer to the loan confirmation letter for the relevant information. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. OK Finance reserves its absolute right on the final loan approval decision in accordance with the client’s credit records and other relevant factors as the institution may consider in its absolute discretion.
- #Applicants seeking a loan of up to 22x monthly salary or HK$1.5M (whichever is lower) are subject to specified credit requirements. Approval is subject to individual assessment.
- To borrow or not to borrow? Borrow only if you can repay!
- The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.
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.