Compare the Best Personal Loans Rates and APRs 2021

Compare personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now! Read More
100,000 personal loan Paid over 12 Months
HK$
We found 36 Personal Loans for you!
Sponsored
 安信信貸 logo

Monthly Payment

HK$8,433

Monthly Payment
MoneySmart Exclusive
APR*
2.38%
Total Amount Payable
HK$101,200
Total Interest Payable
HK$1,200
Monthly Payment
HK$8,433
Samsung Galaxy S21 5G (256GB) (value HK$6,298) for successful applications via MoneySmart!
Valid until 30 Apr 2021 - See more details below
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Citibank 花旗銀行 logo

Monthly Payment

HK$8,413

Monthly Payment
MoneySmart Exclusive
APR*
1.78%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413
New customer who successfully apply and drawdown Citi Speedy Cash or Citi Card Debt Consolidation Loan can get up to HK$3,000 Cash Voucher + Extra up to HK$6,000 Apple Gift Card/gift!!!
Valid until 26 Apr 2021 - See more details below
Apply Now
SCB 渣打銀行 logo

Monthly Payment

HK$8,553

Monthly Payment
MoneySmart Exclusive
APR as low as 1.75%
APR*
4.94%
Total Amount Payable
HK$102,634
Total Interest Payable
HK$2,634
Monthly Payment
HK$8,553
Get up to extra HK$4,000 supermarket voucher(provided by MoneySmart) and up to HK$4,000 cash rebate(provided by SCBHK) apply through MoneySmart! 
Valid until 16 May 2021 - See more details below
Apply Now
中國建設銀行(亞洲) logo

Monthly Payment

HK$8,403

Monthly Payment
MoneySmart Exclusive
APR*
1.56%
Total Amount Payable
HK$100,840
Total Interest Payable
HK$840
Monthly Payment
HK$8,403
For successful application and drawdown CCAB personal loan, you may get a Nintendo Switch + Nintendo Switch Software Ring Fit Adventure (exclusive reward given by MoneySmart) 
Valid until 31 May 2021 - See more details below
Apply Now
邦民日本財務 logo

Monthly Payment

HK$8,533

Monthly Payment
Welcome Offer
Approval on Sundays
APR*
4.49%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Welcome Offer:
Up to HK$5,000 instant cash reward to new customers▲! Welcome Hong Kong non-permanent residents with 3 months and above working visa validity※ 
Valid until 30 Jun 2021 - See more details below
Apply Now
UA 亞洲聯合財務 logo

Monthly Payment

HK$8,603

Monthly Payment
MoneySmart Exclusive
No documents required
APR*
6.18%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603
New customer who successfully apply and drawdown UA Finance Personal Loan can get an Apple AirPods Pro!(exclusive reward given by MoneySmart) 
Valid until 18 Apr 2021 - See more details below
Apply Now
WeLend logo

Monthly Payment

HK$8,458

Monthly Payment
Promotion
Income proof free for designated loan amount
APR*
2.79%
Total Amount Payable
HK$101,500
Total Interest Payable
HK$1,500
Monthly Payment
HK$8,458
Promotion:
Customer can get HK$300 supermarket cash coupon upon successful application and receive cash rebate up to $3,800 upon successful draw down! A.I. Fully Automated Loan Faster Than Fast. Quotation calculated in 1 second, complete your application instantly! 
Valid until 18 Apr 2021 - See more details below
Apply Now
DBS 星展銀行 logo

Monthly Payment

HK$8,343

Monthly Payment
MoneySmart Exclusive
1-minute approval and same day disbursement
APR*
4.04%
Total Amount Payable
HK$100,120
Total Interest Payable
HK$120
Monthly Payment
HK$8,343
New customer who successfully apply and drawdown DBS Personal Instalment Loan can get up to HK$2,500  “InstaRedeem” + Extra up to HK$5,500 Supermarket Cash Voucher!!!
Valid until 18 Apr 2021 - See more details below
Apply Now
中信銀行(國際) logo

Monthly Payment

HK$8,593

Monthly Payment
MoneySmart Exclusive
0% Handling Fee APR as low as 1.90%
APR*
5.86%
Total Amount Payable
HK$103,120
Total Interest Payable
HK$3,120
Monthly Payment
HK$8,593
Get up to HK$4,000 supermarket voucher by successful application of personal loan via MoneySmart!
Valid until 31 May 2021 - See more details below
Apply Now
BEA 東亞銀行 logo

Monthly Payment

HK$8,413

Monthly Payment
0% handling fee
APR*
1.78%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413
Read More
 安信信貸 logo

Monthly Payment

HK$8,433

Monthly Payment
MoneySmart Exclusive
14-day Flexi Payment
APR*
2.38%
Total Amount Payable
HK$101,200
Total Interest Payable
HK$1,200
Monthly Payment
HK$8,433
Samsung Galaxy S21 5G (256GB) (value HK$6,298) for successful applications via MoneySmart!
Valid until 30 Apr 2021 - See more details below
Apply Now
中信銀行(國際) logo

Monthly Payment

HK$8,570

Monthly Payment
MoneySmart Exclusive
Repayment period up to 72 Months
APR*
7.33%
Total Amount Payable
HK$102,844
Total Interest Payable
HK$2,844
Monthly Payment
HK$8,570
Get up to HK$4,000 supermarket voucher by successful application of personal loan via MoneySmart!
Valid until 31 May 2021 - See more details below
Apply Now
恒生銀行 logo

Monthly Payment

HK$8,593

Monthly Payment
up to HK$1,500 cash rebate for online application
APR*
5.86%
Total Amount Payable
HK$103,120
Total Interest Payable
HK$3,120
Monthly Payment
HK$8,593
Apply Now
交通銀行 logo

Monthly Payment

HK$8,612

Monthly Payment
up to HK$4,500 Credit Rebate
APR*
6.35%
Total Amount Payable
HK$102,340
Total Interest Payable
HK$2,340
Monthly Payment
HK$8,612
Apply Now
BOC 中國銀行 logo

Monthly Payment

HK$8,471

Monthly Payment
$0 Handling Fee
APR*
3.08%
Total Amount Payable
HK$101,652.40
Total Interest Payable
HK$1,652.40
Monthly Payment
HK$8,471
Read More
DBS 星展銀行 logo

Monthly Payment

HK$8,353

Monthly Payment
MoneySmart Exclusive
Loan amount up to HK$2,000,000
APR*
4.27%
Total Amount Payable
HK$100,240
Total Interest Payable
HK$240
Monthly Payment
HK$8,353
New customer who successfully apply and drawdown DBS Debt Consolidation Loan can get up to HK$3,300 Supermarket Cash Voucher + Extra up to HK$1,200 Supermarket Cash Voucher/Apple Gift Card!!!
Valid until 30 Apr 2021 - See more details below
Apply Now
WeLend logo

Monthly Payment

HK$8,526

Monthly Payment
Promotion
3 tailored repayment plans suggestion
APR*
4.33%
Total Amount Payable
HK$102,316
Total Interest Payable
HK$2,316
Monthly Payment
HK$8,526
Promotion:
Customer can get HK$300 supermarket cash coupon upon successful application. A.I. calculates the best interest-saving repayment plan with precision. Clear all your debt and revitalize your credit score!
Valid until 18 Apr 2021 - See more details below
Apply Now
 安信信貸 logo

Monthly Payment

HK$8,433

Monthly Payment
MoneySmart Exclusive
Professional suggestions on best repayment plan
APR*
2.38%
Total Amount Payable
HK$101,200
Total Interest Payable
HK$1,200
Monthly Payment
HK$8,433
Samsung Galaxy S21 5G (256GB) (value HK$6,298) for successful applications via MoneySmart!
Valid until 30 Apr 2021 - See more details below
Apply Now
AEON信貸財務(亞洲) logo

Monthly Payment

HK$8,533

Monthly Payment
Flexible repayment period to 60 months
APR*
4.48%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Apply Now
中國建設銀行(亞洲) logo

Monthly Payment

HK$8,403

Monthly Payment
MoneySmart Exclusive
Instant approval and same day funds disbursement
APR*
1.56%
Total Amount Payable
HK$100,840
Total Interest Payable
HK$840
Monthly Payment
HK$8,403
For successful application and drawdown, you may get a Nintendo Switch + Nintendo Switch Software Ring Fit Adventure (exclusive reward given by MoneySmart) 
Valid until 31 May 2021 - See more details below
Apply Now

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.

Compare HK Personal Loans and APR

Personal Loan Plans Max. Loan AmountMin. - Max. APR & Repayment Period
Citi Tax Season LoanHK$2,000,000 or 12x monthly salaryAPR 1.78% or above, Max. at 44.72% ; 6 - 60 Months repayment period
Dah Sing Express MoneyHK$1,000,000 or 10x monthly salaryAPR 7.26% or above, Max. at 48.00% ; 12 - 60 Months repayment period
Promise Easy LoanHK$600,000APR 4.49% or above, Max. at 59.26% ; 6 - 84 Months repayment period
PrimeCredit Fixed LoanHK$600,000 or 18x monthly salaryAPR 2.38% or above, Max. at 60.00% ; 6 - 60 Months repayment period
Hang Seng Personal Instalment LoanHK$2,500,000 or 15x monthly salaryAPR 5.86% or above, Max. at 48.00% ; 12 - 60 Months repayment period
DBS Debt Consolidation LoanHK$2,000,000 or 21x monthly salaryAPR 4.27% or above, Max. at 30.57% ; 12 - 72 Months repayment period

Tips for Comparing Loans in Hong Kong

Tip #1Compare Annual Percentage Rate (APR)

APR reflects the actual expenses of your loans which includes interest rate, admin fees, handling fees etc. You may hear of Monthly Flat Rate which is only a calculation based on the repayment amount and not describing the actual monthly repayment situation.

Tip #2Different loan plans serve different purposes

Different types of Personal Instalment Loans serve different purposes. For example, monthly instalment loans serve scaled expenses, balance transfer loans ease high-interest debts, and tax loans usually have lower interest rates. When comparing loan plans, you should not only focus on interest rates, but also on whether they cater to your financial needs.

Tip #3Loan amounts vary based on situations

Personal loans, which are a form of unsecured loans, have no collateral backing. Banks and lenders issue loan amounts which are about 12 to 21 months of borrower’s salary, and are based on their credit score and promise of repayment. Therefore, applicants with higher salary and better credit score may be given a larger loan amount. However, applicants need to consider whether or not they are able to repay the loan amount. To borrow or not to borrow? Borrow if you can repay.

Why do we need personal loans?

Ease your cash flow concern

Personal Loans are a form of unsecured loans, meaning that you can get a loan without any collateral. They are therefore a good solution to cashflow issues. Banks and private money lenders offer loan plans with longer repayment period, some of them are even up to 72 months. So now you are able to manage cash flow with higher flexibility.

Flexible application process

As long as you’re 18+ and earning HK$5,000+/month, you’re welcomed to apply for personal loans. Bring your identity card, residential address proof, bank statement, and salary slip and you’re good to go!

How to choose the best loan?

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. Whether it is a personal instalment loan, debt consolidation loan or revolving loan, they are expenses to your finances.

Applying for Quick Loans

Nowadays, many banks or money lenders such as DBS or Citibank offer quick loans with a fast application process. Borrowers do not have to show up at all. The entire application process can be done online. Quick loans are designed to be approved instantly. A customer can expect to have the funds in their bank account soon after their instant loan online application. Advancements in technology allow computers and complicated algorithms to make this decision within minutes, disrupting the traditional way of money lending.

Personal Instalment Loans Repayment Period & APR Summary

Personal loanMin. - Max. Repayment PeriodMin. - Max. APR
Promise Easy Loan6 - 84 MonthsAPR 4.49% or above, Max. at 59.26%
Citi Tax Season Loan6 - 60 MonthsAPR 1.78% or above, Max. at 44.72%
PrimeCredit Fixed Loan6 - 60 MonthsAPR 2.38% or above, Max. at 60.00%
WeLend Personal Loan12 - 60 MonthsAPR 2.79% or above, Max. at 59.90%
DBS Debt Consolidation Loan6 - 72 MonthsAPR 4.27% or above, Max. at 30.57%
UA "NO SHOW" Personal Loan6 - 60 MonthsAPR 6.18% or above, Max. at 48.00%
Standard Chartered Personal Instalment Loan12 - 60 MonthsAPR 4.94% or above, Max. at 5.35%
CNCBI $mart Plus Personal Installment Loan12 - 60 MonthsAPR 5.86% or above, Max. at 38.08%
BEA Tax Season Instalment Loan12 - 60 MonthsAPR 1.78% or above, Max. at 20.37%
Citi Speedy Cash6 - 60 MonthsAPR 3.36% or above, Max. at 44.72%
PrimeCredit Civil Servant & Professional Loan6 - 60 MonthsAPR 2.38% or above, Max. at 60.00%
BoCom(HK) DreamCash Personal Loan12 - 60 MonthsAPR 6.35% or above, Max. at 7.95%
CNCBI $mart Plus Personal Installment Loan – Debt Consolidation12 - 60 MonthsAPR 7.33% or above, Max. at 38.08%
BOC Express Cash Instalment Loan12 - 60 MonthsAPR 3.08% or above, Max. at 40.59%
CCBA Personal Loan6 - 60 MonthsAPR 1.56% or above, Max. at 13.00%
WeLend Card Debt Consolidation Loan12 - 60 MonthsAPR 4.33% or above, Max. at 59.90%
PrimeCredit Balance Transfer Loan6 - 60 MonthsAPR 2.38% or above, Max. at 60.00%
AEON Flexi Loan12 - 60 MonthsAPR 4.49% or above, Max. at 47.73%
Hang Seng Debt Consolidation Instalment Loan12 - 72 MonthsAPR 6.44% or above, Max. at 48.00%
UA i-Money Internet Personal Loan12 - 60 MonthsAPR 6.18% or above, Max. at 48.00%

MoneySmart Personal Loan Calculator

Before applying for personal loan, it is imperative that applicants calculate the interest payable first. MoneySmart Personal Loan Calculator helps you do just that. Most loan calculators online can only calculate repayment amount based on a static loan amount and APR, yet the APR of most loan products actually varies based on repayment period and loan amount. These loan calculators may therefore be unable to show the most accurate amount payable.


On the contrary, MoneySmart Personal Loan Calculator adjusts APR and calculates total amount payable of each loan product based on the loan amount, loan tenure and monthly income entered, making it easy for users to compare all Loan products with a more accurate total interest payable.


Please note that Providers have the final say on the interest rates they offer you.

Personal Loan Hong Kong Reviews 2021

Which Bank or Lending Company provides the best personal loan in Hong Kong?

Payback your credit card debt or improve your cash flow by applying for personal loans. Read our latest Personal Loan Reviews and find the best personal loan to suit your financial needs.

Frequently Asked Questions

Am I eligible for personal loan application?

If you’re above 18 and earning HK$5,000+/month, you’re welcomed to apply for loans. Simply bring your identity card, residential address proof, bank statement, and salary slip, and you’re good to go!

Where can I get a personal loan?

Banks and money lenders offer in-person or online loan applications.

How long can my personal loan repayment period be?

Normally, it’s 3 to 72 months. Banks and lenders will set you a fixed monthly repayment amount. The longer the repayment period, the lower the repayment amount, and the higher the interest rate.

Can I apply for personal loan if I have a bad credit score?

There are personal loans available to people with a low credit score and they are mostly offered by Lending Companies. However, do keep in mind that the interest rates from these companies are usually higher than those from the banks. Popular money lenders in Hong Kong include Promise, WeLend, UA Finance, and AEON. Before borrowing from these companies, you can also check out our Guide on borrowing from Money Lenders.

What do I need to prepare for my loan application?

You’ll need these are the documents for your personal loan:
  • Photocopy of your HKID card (both sides);
  • Residential address proof (e.g. electricity bill, demand notes for rates);
  • Salary proof of the latest month (e.g. salary proof, bank statement).
If you’re self-employed, you may need to submit a full set of the latest Profits Tax Demand Note.

Do personal loans have extra handling fee?

Yes and no. Some banks will calculate your handling fee yearly. If you’re getting a revolving loan, the bank may charge you extra withdrawal fees.