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Best Tax Loans in Hong Kong 2024

Compare tax loan plans and enjoy lower rates compared with personal loans in tax seasons! Read More
200,000 personal loan Paid over 24 months
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We found 12 Personal Loans for you!
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UA Seasonal Tax Loan

Monthly Payment

HK$8,453

Loan amount up to 300% of tax payable

UA Seasonal Tax Loan

APR*
1.38%
Total Amount Payable
HK$202,880
Total Interest Payable
HK$2,880
Monthly Payment
HK$8,453
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CreFIT ClearCard Credit

Monthly Payment

HK$8,533

MoneySmart Exclusive
Settle your credit card balance as fast as 3 mins

CreFIT ClearCard Credit

APR*
1.98%
Total Amount Payable
HK$204,800
Total Interest Payable
HK$4,800
Monthly Payment
HK$8,533
Reminder: CreFIT ClearCard Credit currently supports 17 Hong Kong credit card issuers. Upon the acceptance of the loan agreement, the fund will immediately be disbursed to the designated credit card account(s) via FPS! 🆕 The Cashout Feature is now available - Cash or Bill Settlement, Your Call!
Valid until 30 Sep 2024 - See more details below
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PrimeCredit Fixed Loan

Monthly Payment

HK$8,433

MoneySmart Exclusive
Win the New Flagship Phone🍎📱

PrimeCredit Fixed Loan

The Lowest APR
1.18%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433

🍂Fall into Saving｜Regardless of Approval － Total Rewards up to HK$13,500!
From now until 30 September, successfully apply for PrimeCredit Fixed Loan / PrimeCredit Balance Transfer Loan / PrimeCredit Civil Servant & Professional Loan via MoneySmart, you can earn extra valued at HK$500 vouchers (given out as 5,000 SmartPoints) regardless of approval!

【MoneySmart Exclusive Offer】Up to HK$12,000 Cash Bonus and Limited-Time Offer Of HK$1,000 Supermarket Coupon for successful application via MoneySmart! 

Valid until 30 Sep 2024 - See more details below
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【MoneySmart Exclusive Product】WeLend Civil Servant & Professional Loan

Monthly Payment

HK$8,573

MoneySmart Exclusive

【MoneySmart Exclusive Product】WeLend Civil Servant & Professional Loan

The Lowest APR
1.88%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573

Popular Loan Offers in September 🔥－Offer upgrade! Total rewards up to HK$20,500!
From 1 September until 30 September 2024, selected customers can receive up to 💰HK$20,500 Rewards upon successful draw down!
⠀⠀
MoneySmart Exclusive Offer － Regardless of Approval：
From 1 September until 30 September 2024, applying WeLend Personal Loan / Civil Servant & Professional Loan / Card Debt Consolidation Loan, can get extra 5,000 SmartPoints (can redeem value of HK$500 vouchers or products) regardless of approval.

Valid until 30 Sep 2024 - See more details below
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WeLend Personal Loan

Monthly Payment

HK$8,573

MoneySmart Exclusive
Win the New Flagship Phone🍎📱

WeLend Personal Loan

The lowest APR
1.88%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573

Popular Loan Offers in September 🔥－Offer upgrade!Total rewards up to HK$20,500!
From 1 September until 30 September 2024, selected customers can receive total up to 💰HK$20,500 Rewards upon successful draw down!
⠀⠀
MoneySmart Exclusive Offer － Regardless of Approval：
From 1 September until 30 September 2024, applying WeLend Personal Loan / Civil Servant & Professional Loan / Card Debt Consolidation Loan, can get extra 5,000 SmartPoints  (can redeem value of HK$500 vouchers or products) regardless of approval.
⠀⠀
【MoneySmart Pampers You 🍎📱 3 Steps to Win the Newest Flagship Phone】
Successfully apply for WeLend Personal Loan via MoneySmart by 30 Sep, complete the required steps and you will have a chance to win the latest flagship phone, earphones, smartwatches and more! Visit the event page for more information.

Valid until 30 Sep 2024 - See more details below
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Promise Easy Loan

Monthly Payment

HK$8,433

MoneySmart Exclusive
Instant Approval Online◉

Promise Easy Loan

APR*
1.12%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433
【Welcome Offer - Get rewards up to HK$15,000 !】From now until 30 September 2024, successfully apply for Promise Loan and successfully drawdown designated amount, can enjoy up to HK$15,000 rewards▲. No Supporting Documents Required#. Online Instant Approval⦿.
Valid until 30 Sep 2024 - See more details below
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PrimeCredit Civil Servant & Professional Loan

Monthly Payment

HK$8,433

MoneySmart Exclusive

PrimeCredit Civil Servant & Professional Loan

The Lowest APR
1.18%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433

🍂Fall into Saving｜Regardless of Approval － Total Rewards up to HK$13,500!
From now until 30 September, successfully apply for PrimeCredit Fixed Loan / PrimeCredit Balance Transfer Loan / PrimeCredit Civil Servant & Professional Loan via MoneySmart, you can earn extra valued at HK$500 vouchers (given out as 5,000 SmartPoints) regardless of approval!

【MoneySmart Exclusive Offer】Up to HK$12,000 Cash Bonus and Limited-Time Offer Of HK$1,000 Supermarket Coupon for successful application via MoneySmart! 

Valid until 30 Sep 2024 - See more details below
Apply Now
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Citi Speedy Cash Loan
MoneySmart Exclusive

Citi Speedy Cash Loan

【Citi Loan rewards you with rewards as high as $17,898!】
New customer who successfully apply for Citi Speedy Cash Loan/Citi Card Debt Consolidation Loan on or before 30 September 2024 with repayment period at least 12 months and successfully draw down on or before 31 October 2024 would be eligible for MoneySmart exclusive gift up to HK$8,500 Apple Store Gift Card / PARKnSHOP supermarket vouchers!
Popular physical gift options include SAMSUNG Galaxy S24 Ultra - 256GB (retail value: HK$9,898) / APPLE iPad Air 13"256 GB (retail value: HK$7,099) / B&O Beoplay HX Gold Tone Earbuds (retail value: HK$4,998) / Dyson Solarcycle Morph Desk Light (retail value: HK$4,980) / GoPro HERO 11 Black Creator Edition (retail value: HK$4,400) / PHILIPS RO Water Dispenser ADD6910/90  ($2,788)

Valid until 30 Sep 2024 - See more details below
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DBS Personal Instalment Loan

Monthly Payment

HK$8,733

MoneySmart Exclusive
Instant cash out single-handedly

DBS Personal Instalment Loan

APR as low as*
5.91%
Total Amount Payable
HK$209,600
Total Interest Payable
HK$9,600
Monthly Payment
HK$8,733

【🔝Offer Upgrade -Get up to a total of HK$19,200 rewards】
New customers who successfully apply and drawdown DBS Personal Instalment Loan via MoneySmart can get up to HK$12,000 rewards + Extra up to 72,000 SmartPoints!
⠀⠀
72,000 SmartPoints can fully redeem HK$7,200 cash vouchers (over 20+ brand vouchers including Apple / PARKnSHOP supermarket voucher, etc) or SAMSUNG Galaxy S24 Plus 256GB (Value: HK$7,598) or SAMSUNG The Freestyle Projector 2nd Gen (Value: HK$6,980) or 11-inch iPad Pro Wi-Fi 128GB (Value: HK$6,499) or cash out HK$4,800 via FPS. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints!

Valid until 30 Sep 2024 - See more details below
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Standard Chartered Personal Instalment Loan
MoneySmart Exclusive

Standard Chartered Personal Instalment Loan

【MoneySmart Exclusive Offer 】- Get total reward up to HK$16,450! From now on until 30 September 2024, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to SAMSUNG Galaxy S24 Ultra (S9280) - 256GB  (value: $8,450) or HK$7,800 e-Voucher  (can redeem Apple Store / 7-11 / HKTVmall / WeChat Pay HK / Deliveroo / Pacific Coffee or Zalora) or HK$7,800 PARKnSHOP supermarket voucher.

Valid until 30 Sep 2024 - See more details below
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Mox Instant Loan
MoneySmart Exclusive

Mox Instant Loan

【Apply for Mox Instant Loan and get rewards with value up to HK$14,268!】
New customers who successfully opened a Mox account and applied for a designated loan amount through Mox Instant Loan with the promotional code "MSTEASY01" on or before 30 September 2024, would be eligible for MoneySmart exclusive gift of up to HKD1,000 Apple Store Gift Card/ PARKnSHOP supermarket voucher/ HKTVmall e-Voucher! Enjoy an extra HKD8,888 cash reward from Mox!

Upon successful application of Mox Credit within 30 days of Mox account opening, accumulate HKD3,500 spending, enjoy an additional gift of HKD3,380 from MoneySmart! To enjoy the extra HKD1,000 welcoming offer from Mox, after successful application within 7 days deposit HKD250,000 or above demand deposits into the account and keep for 60 days. In total, you can get up to HKD14,268 rewards!

Valid until 30 Sep 2024 - See more details below
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WeLab Bank Personal Instalment Loan
MoneySmart Exclusive
Upgraded Offers！

WeLab Bank Personal Instalment Loan

【Extra rewards regardless of approval!】Upgraded Offers－ Get up to HK$23,097 Rewards 🔝
From now until 30 September, apply for Personal Instalment Loan via MoneySmart using promo code 「NLSMRT」and submit all required documents, you can earn the application bonus of SAMSUNG Galaxy Buds FE (R400) (value HK$898) OR HK$800 vouchers (given out as 8,000 SmartPoints) regardless of approval! But thats not all! If you successfully apply and drawdown the loan, can earn extra rewards up to HK$10,199 offered by MoneySmart and cash rebate up to HK$12,000 offered by WeLab bank as well! 

Valid until 30 Sep 2024 - See more details below
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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 Tax Loans in HK

Tax LoansAPR as low asFeatures
Citibank Tax Season Loan1.38%Up to 60 months Repayment period
DBS Tax Season Loan1.33%0% handling fee
PrimeCredit Fixed Loan (Tax Season Loan)2.38%Instant disbursement
Hang Seng Tax Comforter Loan 1.35%*Offers interest-free First-month Payment Holiday
ZA Bank fixed-rate tax loan 1.58%APR guaranteed at 1.58% for a successful loan drawdown of HKD 200,000 or above with a tenor of 6 – 36 months after using the loan discount coupon.

What is Tax Loan?

Tax loan is type of loan offered during tax season to help applicants cover their tax bills. Check out this guide on how to pay tax and compare tax loans for more information.

Why should I apply for tax loans?

1. Tax loan programmes are launched in October and November every year by major banks. To attract customers, it usually comes with a very low rate and cash rebate.

2. The APR of tax loans can be as low <2%. The higher the loan amount, the lower the rate.

3. The loan amount is very high - between HK$2M-4M. It can be used not only for tax payment but also for your other plans in life.

4. The repayment period is shorter than personal loan, but it is between 6-24 months

Why do we need tax loans?

Paying tax

During the tax season, Hong Kong banks and private financial lenders provide tax loans in a lower interest rate with longer repayment, some of them even extend to 48 months. So that you are able to manage cash flow with higher flexibility.

Simpler and more flexible loan application

Lower interest rates, simpler application and fewer limitations are highlights. As long as you’re age 18+ and earning HK$60,000+/year or HK$5,000+/month, you’re welcomed to apply for tax loans. Bring a copy of your latest tax slip and you’re good to go!

How to pick the best tax loan?

Interest rate is not the ONLY factor for comparing tax loans

Comparing loan plans are not only about interest rates but the total costs of your loan, such as the total amount, repayment period, and handling fee. So, Annual Percentage Rate (APR) expressed as a percentage of the actual yearly cost of a loan over the term. It is the best indicator when doing the comparison of different loan plans.

Are Tax loans only for tax payment?

Tax loans are not only for tax payment. It can be used for funds for your other plans, such as a home renovation, marriage, further education or additional cash flow.

Tips for Getting Tax Loans and Comparing Tax Loans

Tip #1

Annual Percentage Rate (APR) is the key to compare loans

The calculation of APR includes all the interests, admin fees and handling fees of a tax loan. That’s why APR is the best way to compare the actual expenses of tax loans.

Tip #2

Different loan promotions launch in tax seasons

Banks and private lenders usually launch tax loan offers from October to April of the next year. Out of all loan promotions, cash rebate is the most common one – the more you borrow, the more rebates you can get.

Tip #3

Be aware of the terms and conditions in loans

Some tax loans may look attractive with an extremely low interest rate. But everything come at a price — the banks will ask you to set up an account and make a huge deposit first; or they’ll set a bottom limit to your borrowing amount, then you’ll have to borrow a loan of $1,000,000+ to get the lowest interest rate.

How can I apply for Tax Loan? Can I apply online?

You can apply for a tax loan through bank branches, websites or mobile apps. You may be required to submit a copy of your tax return when applying for a tax loan. It is important to "shop around" comparing relevant information and terms provided by different banks before applying. You can have a quick overview of all the major tax loan programmes available on MoneySmart before you make your decision.
You can also apply for tax loan online via MoneySmart online. Successful applicants to certain tax loan products such as Citi Tax Loan can even earn extra cash vouchers.

Frequently Asked Questions

Am I qualified for tax loan applications?

If you’re 18+ and earning HK$60,000+/year or HK$5,000+/month, simply bring a copy of your latest tax slip, you’re qualified.

Where can I get a tax loan?

Banks and financial lenders usually launch tax loan offers from October to April of the next year.

How much can I borrow from a tax loan?

It depends on your salary. Banks and financial lenders can borrow you a tax loan at maximum 8x to 12x of your monthly salary.

How long can my tax loan repayment period be?

Normally it’s 6 to 24 months for tax loans. Banks and financial lenders will set you a fixed repayment amount. The longer the repayment period, the lower the monthly repayment amount, and the higher the interest rate.

Do tax loans have any extra handling fee?

Some banks not only calculate interest with monthly flat rate, but they also charge you a handling fee, which is usually 1% of your loan amount.

What are the interest rates of tax loans?

The annualised percentage rate of tax loans is between 2% to 11%, depending on your loan amount and repayment period.

What do I need to prepare for my tax loan application?

You’ll need these are the documents for your tax loan:
  • Photocopy of your HKID card (both sides);
  • If you’re an employee, you’ll need your salary proof or your bank statement for the last 3 months and the latest tax slip.
  • If you’re self-employed, you’ll need your full set of latest Profits Tax Demand Note for the last 2 years and your bank statement for the last 6 months.