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Personal Loan Providers
Updated April 2019
Thinking about getting a personal loans in Hong Kong? MoneySmart.hk lets you compare and choose the best personal loans in Hong Kong with confidence.
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2.23%
APR*
$212,000
Total Amount Payable
$12,000
Total Interest Payable
HK$3,533
Monthly Payment| Annualized Percentage Rate as low as 2.23%* | |
| Repayment term up to 60 months | |
| Loan amount up to HK$2,000,000 | |
| $0 handling fee | |
| *Calculation based on loan amount of HK$1,500,000 and repayment period of 12 months; The Actual APR may vary for individual customers. |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$12,000 |
| Total Amount Payable | HK$212,000 |
| Annual Percentage Rate | 2.23% |
| Monthly Payment | HK$3,533 |
| Repayment Period | 60 months |
3.83%
APR*
$220,160
Total Amount Payable
$5,160
Total Interest Payable
HK$3,669
Monthly Payment| Up to HK$3,300 Coupons for applying for Debt Consolidation Loan | |
| Loan amount up to 21x monthly salary or HK$2,000,000 | |
| Instalment period up to 72 months | |
| 1-minute approval |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$5,160 |
| Handling Fee | HK$15,000 |
| Total Amount Payable | HK$220,160 |
| Annual Percentage Rate | 3.83% |
| Monthly Payment | HK$3,669 |
| Repayment Period | 60 months |
4.49%
APR*
$224,000
Total Amount Payable
$24,000
Total Interest Payable
HK$3,733
Monthly Payment| ▲New customers can enjoy an instant cash reward up to HK$2,000. | |
| Promotion Period: 1 April 2019 to 30 April 2019 | |
| If a customer uses specific Bank’s account to receive funds, the transfer of funds can even be done overnight and during public holidays. | |
| *All examples and information of interest rate are for reference only, and any final approval is subject to actual circumstances of individual loan applicant. | |
| Subject to terms and conditions of promotion. For terms and conditions details, please visit website of Promise (Hong Kong) Co., Limited. | |
| Promise (Hong Kong) Co., Limited reserves the right to change any terms and conditions relating to this promotion. All loan approvals are subject to the final decision of Promise (Hong Kong) Co., Limited Money Lenders License Number: 1355/2018. |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$24,000 |
| Total Amount Payable | HK$224,000 |
| Annual Percentage Rate | 4.49% |
| Monthly Payment | HK$3,733 |
| Repayment Period | 60 months |
4.64%
APR*
$224,000
Total Amount Payable
$24,000
Total Interest Payable
HK$3,733
Monthly Payment| Instant approval and withdrawal, no income proof is required for loan amount of $50,000 or less | |
| 10 mins express approval. Cash will be disbursed within 1 hour from loan confirmation | |
| No handling fee, no early settlement fee | |
| From now till 30 April, 1% Cash Bonus will be rewarded upon successful application | |
| For more details, please visit PrimeCredit’s website | |
| Money Lender’s License No.: 748/2018 |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$24,000 |
| Total Amount Payable | HK$224,000 |
| Annual Percentage Rate | 4.64% |
| Monthly Payment | HK$3,733 |
| Repayment Period | 60 months |
4.64%
APR*
$224,000
Total Amount Payable
$24,000
Total Interest Payable
HK$3,733
Monthly Payment| Free professional analysis on your current card and loan indebtedness, and suggest the most interest saving and fastest repayment plan | |
| No handling fee, no early settlement fee | |
| Repayment terms up to 60 months | |
| Express approval. Cash will be disbursed within 1 hour from confirmation of loan | |
| From now till 30 April, 1% Cash Bonus will be rewarded upon successful application | |
| For more loan details, please visit PrimeCredit’s website | |
| Money Lender’s License No.: 748/2018 |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$24,000 |
| Total Amount Payable | HK$224,000 |
| Annual Percentage Rate | 4.64% |
| Monthly Payment | HK$3,733 |
| Repayment Period | 60 months |
4.78%
APR*
$224,672
Total Amount Payable
$24,672
Total Interest Payable
HK$3,745
Monthly Payment| APR as low as 2.96% | |
| Monthly Flat Rate as low as 0.1322% | |
| Exclusive Online Offer up to HKD500 Cash Coupon |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$24,672 |
| Total Amount Payable | HK$224,672 |
| Annual Percentage Rate | 4.78% |
| Monthly Payment | HK$3,745 |
| Repayment Period | 60 months |
4.98%
APR*
$226,400
Total Amount Payable
$26,400
Total Interest Payable
HK$3,773
Monthly Payment| APR as low as 2.27% | |
| 0% arrangement fee | |
| Repayment period of up to 60 months | |
| Loan amount of up to 12 times your basic monthly salary (maximum HK$1,200,000) |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$26,400 |
| Total Amount Payable | HK$226,400 |
| Annual Percentage Rate | 4.98% |
| Monthly Payment | HK$3,773 |
| Repayment Period | 60 months |
4.99%
APR*
$226,610
Total Amount Payable
$11,610
Total Interest Payable
HK$3,777
Monthly Payment| Up to HK$800 Coupons for applying for personal instalment loan | |
| Monthly flat rate as low as 0.05% | |
| Loan amount up to 12x monthly salary or HK$2,000,000 | |
| Anytime redraw your repaid principal | |
| 1-minute approval |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$11,610 |
| Handling Fee | HK$15,000 |
| Total Amount Payable | HK$226,610 |
| Annual Percentage Rate | 4.99% |
| Monthly Payment | HK$3,777 |
| Repayment Period | 60 months |
5.27%
APR*
$227,264
Total Amount Payable
$15,264
Total Interest Payable
HK$3,788
Monthly Payment| APR as low as 2.91% | |
| Repayment period of up to 60 months | |
| Loan amount of up to 21 times your monthly basic salary (maximum HK$1,200,000) | |
| Successfully apply and submit documents online to get cash rebate of HK$300 | |
| Extra cash rebate for new customers of up to HK$1,500 |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$15,264 |
| Handling Fee | HK$12,000 |
| Total Amount Payable | HK$227,264 |
| Annual Percentage Rate | 5.27% |
| Monthly Payment | HK$3,788 |
| Repayment Period | 60 months |
5.42%
APR*
$227,731
Total Amount Payable
$20,231
Total Interest Payable
HK$3,796
Monthly Payment| Loan amount up to HKD 2,000,000 or 12 times of the monthly salary (whichever is lower) | |
| e-Channel Application Offer – up to HK$2,500 cash rebate | |
| APR as low as 2.95% (the APR excluding cash rebate is 3.02%) | |
| Lowest salary requirement: Annual salary is HK$48,000 or above | |
| Promotion period: From now till 30 June 2019 |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$20,231 |
| Handling Fee | HK$7,500 |
| Total Amount Payable | HK$227,731 |
| Annual Percentage Rate | 5.42% |
| Monthly Payment | HK$3,796 |
| Repayment Period | 60 months |
6.10%
APR*
$230,040
Total Amount Payable
$20,040
Total Interest Payable
HK$3,834
Monthly Payment| Loan Amount up to HK$1,200,000 or 12 times of monthly salary (whichever is lower)* | |
| Flexible repayment tenor up to 60 months | |
| Simple application documents | |
| Instant cash deposit to your designated bank account after approval, you can make efficient cash |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$20,040 |
| Handling Fee | HK$10,000 |
| Total Amount Payable | HK$230,040 |
| Annual Percentage Rate | 6.10% |
| Monthly Payment | HK$3,834 |
| Repayment Period | 60 months |
6.17%
APR*
$232,400
Total Amount Payable
$32,400
Total Interest Payable
HK$3,873
Monthly Payment| From now until May 31, 2019, no matter the loan amount, new customer can get the rewards up to HK$3,200* | |
| Loan amount up to HK$1,000,000. The minimum and maximum repayment period are 6 months and 60 months respectively | |
| Complete the whole application process online, no face-to-face contact is required | |
| Upon loan approval, cash will be transferred to your designated account | |
| Fully online, instant cash transfer including Sat and Sun upon loan approval | |
| Terms and conditions apply. For details, please contact Customer Service Officer of United Asia Finance Limited | |
| United Asia Finance Limited reserves the right to make final decision on loan approval | |
| Warning: You have to repay your loans. Don't pay any intermediaries | |
| Enquiry and Complaint Hotline: 2681 8888 | |
| Money Lender's Licence No.: 0871/2018 |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$32,400 |
| Total Amount Payable | HK$232,400 |
| Annual Percentage Rate | 6.17% |
| Monthly Payment | HK$3,873 |
| Repayment Period | 60 months |
6.70%
APR*
$234,800
Total Amount Payable
$34,800
Total Interest Payable
HK$3,913
Monthly Payment| Monthly flat rate as low as 0.13% (Annualized Percentage Rate as low as 2.91%)* and handling fee waiver* | |
| Payroll Customers do not need to submit documents and enjoy extra up to HKD500 Cash Rebate | |
| Loan amount up to HKD2,500,000 or 15 times of your monthly salary (whichever is lower), and repayment periods up to 60 months | |
| During repayment period, you can also apply for a Top-up Loan on your repaid principal amount with no documents required | |
| *For a loan amount of HKD1,000,000 or above, the annualized percentage rate of 2.91% is calculated based on a monthly flat rate of 0.13% and a 12-month repayment period, including the full handling charge waiver. The interest rate and the full handling charge waiver are applicable on a case-by-case basis and the final approved interest rate and payable handling charge are subject to the loan amount and credit assessment result. | |
| Above information is for reference only. Please refer to Hang Seng Bank website for the loan details. |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$34,800 |
| Total Amount Payable | HK$234,800 |
| Annual Percentage Rate | 6.70% |
| Monthly Payment | HK$3,913 |
| Repayment Period | 60 months |
6.71%
APR*
$234,800
Total Amount Payable
$34,800
Total Interest Payable
HK$3,913
Monthly Payment| Monthly flat rate as low as 0.13% (APR as low as 2.92%) | |
| Online offer of up to HK$500 cash rebate | |
| Document submission offer of HK$100 cash rebate | |
| HK$0 handling fee | |
| Loan amount of up to HK$1,500,000 or 12 times of the monthly salary | |
| Choice of repayment period from 6 months to 60 months | |
| 1-minute approval and no income proof is required if you have maintained an auto payroll account with HSBC for one month or above | |
| 30-day service pledge – early redemption fees waiver | |
| Cash withdrawal from over 1,000 HSBC's ATMs and branches |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$34,800 |
| Total Amount Payable | HK$234,800 |
| Annual Percentage Rate | 6.71% |
| Monthly Payment | HK$3,913 |
| Repayment Period | 60 months |
6.77%
APR*
$235,200
Total Amount Payable
$25,200
Total Interest Payable
HK$3,920
Monthly Payment| Loan amount of up to 21 times of your monthly salary | |
| Enjoy extra cash up to 8 times of your monthly salary on hand | |
| Repayment periods up to 72 months | |
| Personalised interest rate to save more than 89% of interest expenses | |
| Above information is for reference only. Please refer to Hang Seng Bank website for the loan details. |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$25,200 |
| Handling Fee | HK$10,000 |
| Total Amount Payable | HK$235,200 |
| Annual Percentage Rate | 6.77% |
| Monthly Payment | HK$3,920 |
| Repayment Period | 60 months |
7.65%
APR*
$240,800
Total Amount Payable
$40,800
Total Interest Payable
HK$4,013
Monthly Payment| Repayment term up to 60 months | |
| Loan amount up to 21X Monthly Salary or HK$1,200,000 | |
| $0 handling fee | |
| Up to 30% off on total interest payment |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$40,800 |
| Total Amount Payable | HK$240,800 |
| Annual Percentage Rate | 7.65% |
| Monthly Payment | HK$4,013 |
| Repayment Period | 60 months |
7.99%
APR*
$242,000
Total Amount Payable
$42,000
Total Interest Payable
HK$4,033
Monthly Payment| Annualized Percentage Rate as low as 1.98%# | |
| Loan amount up to HK$1,000,000 or 10X monthly income (whichever is lower) | |
| Repayment tenor up to 60 months | |
| Welcome for new job starters | |
| Anytime re-borrow without re-applying for a loan account | |
| Dah Sing e-Express Application service, offers instantly approved loan amount | |
| Up to HK$2,500 Cash Rebate | |
| HK$100 Cash Reward for successful online application | |
| # The interest rate offer of as low as 1.98% APR is only applicable to "Selected Customers". On the assumption of a HK$1,000,000 loan amount, 12-month loan tenor and 0.11% monthly flat rate, APR including HK$2,500 Cash Rebate is 1.98% (assume the Bank credits the cash rebate at the 4th month after the loan drawdown) |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$42,000 |
| Total Amount Payable | HK$242,000 |
| Annual Percentage Rate | 7.99% |
| Monthly Payment | HK$4,033 |
| Repayment Period | 60 months |
8.52%
APR*
$244,520
Total Amount Payable
$44,520
Total Interest Payable
HK$4,075
Monthly Payment| Up to 18 times of your monthly salary or HKD2,000,000 (whichever is lower) | |
| Interest saving | |
| Up to 72 months |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$44,520 |
| Total Amount Payable | HK$244,520 |
| Annual Percentage Rate | 8.52% |
| Monthly Payment | HK$4,075 |
| Repayment Period | 60 months |
11.78%
APR*
$261,383
Total Amount Payable
$51,383
Total Interest Payable
HK$4,356
Monthly Payment| Loan amount up to HKD 2,000,000 or 21 times of the monthly salary (whichever is lower) | |
| e-Channel Application Offer – up to HK$500 cash rebate | |
| APR as low as 5.01% (the APR excluding cash rebate is 5.29 %) | |
| Lowest salary requirement: Annual salary is HK$72,000 or above | |
| Promotion period: From now till 30 June 2019 |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$51,383 |
| Handling Fee | HK$10,000 |
| Total Amount Payable | HK$261,383 |
| Annual Percentage Rate | 11.78% |
| Monthly Payment | HK$4,356 |
| Repayment Period | 60 months |
16.27%
APR*
$286,960
Total Amount Payable
$75,960
Total Interest Payable
HK$4,783
Monthly Payment| Monthly flat rate as low as 0.11% (APR 4.70%)# | |
| Loan amount up to HK$1,200,000 | |
| Save interest up to 86% | |
| Cash out up to 8 times of monthly income | |
| Dah Sing e-Express Application service, offers instantly approved loan amount | |
| Up to HK$2,888 Cash Rebate | |
| HK$100 Cash Reward for successful online application | |
| # The interest rate offer of as low as 0.11% monthly flat rate is only applicable to "Selected Customers". On the assumption of a HK$1,000,000 loan amount, 60-month loan tenor and 0.11% monthly flat rate, 1.1% p.a. loan handling fee, APR including HK$2,888 Cash Rebate is 4.70% (assume the Bank credits the cash rebate at the 4th month after the loan drawdown) |
| Principal Loan Amount | HK$200,000 |
| Total Interest Payable | HK$75,960 |
| Handling Fee | HK$11,000 |
| Total Amount Payable | HK$286,960 |
| Annual Percentage Rate | 16.27% |
| Monthly Payment | HK$4,783 |
| Repayment Period | 60 months |
The APR includes the basic interest rate, as well as any other fees and charges (i.e.: Handling Fee) so that it reflects the actual total cost of borrowing. The actual APR applicable may differ, please check with the provider to confirm your final APR based on your loan.
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. 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. To borrow or not to borrow? Borrow only if you can repay!
| Purpose | Product | Max. Loan Amount |
|---|---|---|
| Improve cash flow | Promise Easy Loan | HK$600,000 |
| Clear credit card debts | DBS Debt Consolidation Loan | HK$2,000,000 or 21x of monthly salary |
| Improve cash flow | Citibank Speedy Cash | HK$2,000,000 or 12x of monthly salary |
| Clear credit card debts | Citibank Card Debt Consolidation Loans | HK$1,200,000 or 21x of monthly salary |
| Clear credit card debts | Dah Sing Credit Mastermind Instalment Loan | HK$1,200,000 |
| Improve cash flow | PrimeCredit Fixed Loan | HK$600,000 or 18x of monthly salary |
| Clear credit card debts | PrimeCredit Balance Transfer Loan | HK$600,000 or 18x of monthly salary |
| Improve cash flow | Standard Chartered Personal Instalment Loan | HK$2,000,000 or 18x of monthly salary |
| Clear credit card debts | Standard Chartered Debt Consolidation Program | HK$2,000,000 or 18x of monthly salary |
| Improve cash flow | DreamCash Personal Loan | HK$1,200,000 or 12x of monthly salary |
| Improve cash flow | WeLend Personal Loan | HK$600,000 |
| Improve cash flow | Real 0% Interest i-Money Internet Personal Loan | HK$50,000 |
In Hong Kong, you can apply for personal loans from banks and licensed money lenders.
