Tax loan 2025: Compare latest tax loan interest rate and limited-time offers

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
HK$
We found 15 Personal Loans for you!
PrimeCredit Fixed Loan

Monthly Payment

HK$8,433

Monthly Payment
PrimeCredit Offer
The Lowest APR
1.18%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433
[PrimeCredit Offer] Up to HK$18,000 Cash Bonus
From 1 March 2025 to 31 May 2025 (both dates inclusive), up to HK$18,000 Cash Bonus will be rewarded upon successful application and drawdown of the designated personal loan. 
Valid until 31 May 2025 - See more details below
Apply Now
Standard Chartered Personal Instalment Loan

Monthly Payment

HK$8,873

Monthly Payment
MoneySmart Exclusive
APR*
6.28%
Total Amount Payable
HK$212,960
Total Interest Payable
HK$12,960
Monthly Payment
HK$8,873

【MoneySmart Exclusive Offer 】APR as low as 1.85%^, Get total rewards up to HK$16,698!
From now on until 31 May 2025, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to Samsung Galaxy Z Flip6  (value: $8,698) or iPad Air 13-inch 256GB (Value: HK$7,099)Mac mini (M4, 256GB SSD, 16GB RAM) (Value: HK$4,599) or up to HK$7,800 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher/ HKTVmall e-Voucher!

Valid until 31 May 2025 - See more details below
Apply Now
UA Seasonal Tax Loan

Monthly Payment

HK$8,453

Monthly Payment
Loan amount up to 300% of tax payable
APR*
1.38%
Total Amount Payable
HK$202,880
Total Interest Payable
HK$2,880
Monthly Payment
HK$8,453
Apply Now
Mox Instant Loan

Monthly Payment

HK$8,457

Monthly Payment
MoneySmart Exclusive
Upgraded Offers!
APR as low as*
1.28%
Total Amount Payable
HK$202,976
Total Interest Payable
HK$2,976
Monthly Payment
HK$8,457

Up to HKD10,888 with Mox Welcome Offer!
New customers who successfully open a Mox account and apply for a loan using the promo code "MSCASH10" on or before 31 May 2025 will earn an application bonus of a HKD500 Cash cash (automatically converted by 5,000 SmartPoints) directly deposited into your FPS account -  regardless of approval!

Those who apply for loan amount will also be eligible for the MoneySmart exclusive gift of up to HKD3,500 Cash Rebate🎉Rewards valued at up to HKD 10,888💰

Valid until 31 May 2025 - See more details below
Apply Now
Promise Easy Loan

Monthly Payment

HK$8,433

Monthly Payment
MoneySmart Exclusive
Instant Approval Online◉
APR*
1.12%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433

【MoneySmart Exclusive】Drawdown of HK$10,000 or above, - get HK$1,600 + up to HK$15,000 CASH!
⠀⠀
During promotional period, successfully apply for Promise Easy Loan/Promise No-doc Loan/Promise Debt Consolidation Loan/Promise Personal Loan (Available for Tax Season) via MoneySmart, you can enjoy:
⠀⠀
1️⃣  Eligible New Customers who have completed a drawdown of HK$10,000 of above, are entitled to enjoy HK$1,600 cash rebate (automatically converted by 16,000 SmartPoints and will directly deposit into your FPS account)
⠀⠀
2️⃣  Eligible New Customers who have successfully drawn down the required loan
amount, are entitled to rewards up to HK$15,000 ▲ No Supporting Documents
Required#. Online Instant Approval⦿.
⠀⠀
Earn rewards worth up to HK$16,600 in total!

Valid until 31 May 2025 - See more details below
Apply Now
WeLab Bank Personal Instalment Loan

Monthly Payment

HK$8,493

Monthly Payment
MoneySmart Exclusive
Upgraded Offers!
APR*
1.68%
Total Amount Payable
HK$203,840
Total Interest Payable
HK$3,840
Monthly Payment
HK$8,493

【Upgraded Offer – up to $32,168 rewards】 Seize market opportunities💰Click in secure capital in 3 steps 
From 1 May until 30 May, apply for WeLab Bank Personal Instalment Loan via MoneySmart using promo code 「NLSMRT」to earn up to 🔥 HK$32,168 Rewards! -Apply with loan amount of HK$150,001 or above, submit all the required documents to get up to HK$1,100 Rewards! But thats not all! Successfully apply and drawdown a loan to earn cash rebate up to HK$23,888 offered by WeLab Bank and MoneySmart exclusive rewards up to HK$7,180 as well!

No need to borrow up to HK$1 million or above, loans of HK$500,000 or more can enjoy low interest rates as low as 1.68% APR. Even before tax season, you can still borrow at low interest rates!

Valid until 31 May 2025 - See more details below
Apply Now
PrimeCredit Civil Servant & Professional Loan

Monthly Payment

HK$8,433

Monthly Payment
PrimeCredit Offer
The Lowest APR
1.18%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433
[PrimeCredit Offer] Up to HK$18,000 Cash Bonus
From 1 March 2025 to 31 May 2025 (both dates inclusive), up to HK$18,000 Cash Bonus will be rewarded upon successful application and drawdown of the designated personal loan. 
Valid until 31 May 2025 - See more details below
Apply Now
UA i-Money Internet Personal Loan

N/A

MoneySmart Exclusive
Online approval and cash transfer via FPS
N/A
N/A
N/A
N/A

From 1 May 2025 to 31 May 2025, successfully apply for UA i-Money Express Online Personal Loan via MoneySmart, you can enjoy:
1️⃣ HK$1,500 exclusive cash (automatically converted by 15,000 SmartPoints) and will directly deposit into your FPS account for successful applications - regardless of approval!
2️⃣ Drawdown to enjoy up to HK$18,000 cash rewards^ & Top 3 Applicants Daily at 3pm Grab Extra HK$3,888^^ Bonus Cash!

Valid until 31 May 2025 - See more details below
Apply NowApply directly on MoneySmart
Citi Tax Season Loan

Monthly Payment

HK$8,473

Monthly Payment
APR*
1.56%
Total Amount Payable
HK$203,360
Total Interest Payable
HK$3,360
Monthly Payment
HK$8,473
Read More
CNCBI $mart Plus Tax Season Loan

Monthly Payment

HK$8,564

Monthly Payment
APR*
1.65%
Total Amount Payable
HK$201,536
Total Interest Payable
HK$1,536
Monthly Payment
HK$8,564
Read More
WeLend Personal Loan (Available for tax season)

Monthly Payment

HK$8,573

Monthly Payment
The lowest APR
1.88%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573
Read More
DBS Personal Instalment Loan

Monthly Payment

HK$9,067

Monthly Payment
MoneySmart Exclusive
Get extra HK$500 cash regardless of approval !
APR as low as*
5.91%
Total Amount Payable
HK$209,600
Total Interest Payable
HK$9,600
Monthly Payment
HK$9,067

【🔝Offer Upgrade -Get up to a total of HK$19,700 rewards
Earn an extra HK$500 upon submitting + 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! 
⠀⠀
1️⃣ Get extra HK$500 cash regardless of approval !
From now until 31 May, customers who successfully applied for a designated loan via MoneySmart and submit the required documents can enjoy HK$500 cash (automatically converted by 5,000 SmartPoints) directly deposited into your FPS account -  regardless of approval!
⠀⠀
2️⃣ 72,000 SmartPoints can fully redeem HK$7,200 cash vouchers (over 20+ brand vouchers including Apple / PARKnSHOP supermarket voucher, etc) or SAMSUNG GALAXY Tab S9 5G (12GB RAM + 256GB) (Value: HK$7,188) 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 31 May 2025 - See more details below
Apply Now
WeLend Personal Loan

Monthly Payment

HK$8,573

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

May Exclusive - Earn HK$500 once submitted all required documents
From now until 31 May, customers who successfully applied for a designated loan via MoneySmart and submitted all the required documents can enjoy HK$500 cash (automatically converted by 5,000 SmartPoints) directly deposited into your FPS account -  regardless of approval! T&C applies.
⠀⠀
Boosting Reward 🍎
Successfully apply and drawdown with loan amount of HK$300,001 or above, can get Apple 11-inch iPad Air Wi-Fi 128GB (Valued at HK$4,599).

Valid until 31 May 2025 - See more details below
Apply Now
【MoneySmart Exclusive Product】WeLend Civil Servant & Professional Loan

Monthly Payment

HK$8,573

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

May Exclusive - Earn HK$500 once submitted all required documents
From now until 31 May, customers who successfully applied for a designated loan via MoneySmart and submitted all the required documents can enjoy HK$500 cash (automatically converted by 5,000 SmartPoints) directly deposited into your FPS account -  regardless of approval! T&C applies.
⠀⠀
Boosting Reward 🍎
Successfully apply and drawdown with loan amount of HK$300,001 or above, can get Apple 11-inch iPad Air Wi-Fi 128GB (Valued at HK$4,599).

Valid until 31 May 2025 - See more details below
Apply Now
CreFIT Cash Loan

Monthly Payment

HK$9,019

Monthly Payment
MoneySmart Exclusive
APR as low as*
1.98%
Total Amount Payable
HK$216,464
Total Interest
HK$16,464
Monthly Payment
HK$9,019

【MoneySmart Exclusive - Get up to HK$1,400 Rewards now!】
From now until 13 June, eligible new customer successfully applying for CreFIT Cash Loan via MoneySmart, regardless of approval, will entitle you to a HK$200 PARKnSHOP supermarket voucher! 🛒 Upon successful loan approval, you can also receive a HK$1,200 Apple Store Gift Card / PARKnSHOP supermarket voucher / HKTVmall e-Voucher! 🤩

Valid until 13 Jun 2025 - See more details below
Apply Now

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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.

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.

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.