Virtual Bank Loan 2025: Compare Virtual Bank Loan Offers / APR / Monthly Payment

Looking to apply for virtual bank loans in HK? Find the best virtual bank loans' APRs, interests and monthly payment with our loan calculator. Read More
200,000 personal loan Paid over 24 months
HK$
We found 3 Personal Loans for you!
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
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
WeLab Bank Card Debt Consolidation Loan

Monthly Payment

HK$8,693

Monthly Payment
MoneySmart Exclusive
🪄Get extra HK$800 cash regardless of approval !
APR*
4.11%
Total Amount Payable
HK$208,640
Total Interest Payable
HK$8,640
Monthly Payment
HK$8,693

【Upgraded Offer – up to $34,668 rewards】
From 1 May until 31 May 2025, apply for WeLab Bank Card Debt Consolidation Loan via MoneySmart using promo code 「NLSMRT」and submit all required documents, you can earn the application bonus of HK$800 vouchers (given out as 8,000 SmartPoints) regardless of approval! But thats not all! If you successfully apply and drawdown a loan through MoneySmart, you can receive cash rebate up to HK$23,888 offered by WeLab Bank and MoneySmart exclusive rewards up to HK$7,180 as well!
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Save up to 97% on interest and clear all your credit card debt with a new perspective!
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🪄 Debtium Expellium – Cashus Fulfillium✨
From 12 May until 26 May 2025, customers who successfully applied for a designated loan via MoneySmart with the required documents submitted, can enjoy HK$800 cash (automatically converted by 8,000 SmartPoints) directly deposited into your FPS account -  regardless of approval! Curving for more? Successfully draw down loan amount of HK$200,001 or above, can earn extra HK$2,000 (automatically converted by 20,000 SmartPoints) —— Total reward up to HK$2,800 Cash!
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T&C applies.

Valid until 26 May 2025 - See more details below
Apply Now

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