Get the Best HK Personal Installment Loans Rates and Offers Today

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 59 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
 Up to $10,000 Cash Bonus will be rewarded for successful application! 
 (Exclusive reward will be fulfilled by PrimeCredit) 
Valid until 30 Jun 2022 - See more details below
Apply Now
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Citibank 花旗銀行 logo

Monthly Payment

HK$8,395

Monthly Payment
MoneySmart Exclusive
APR*
1.38%
Total Amount Payable
HK$100,744
Total Interest Payable
HK$744
Monthly Payment
HK$8,395

【Limited Time Offer】New customer who successfully apply and drawdown Citi Speedy Cash Loan/Citi Card Debt Consolidation Loan can get MacBook Pro 13inch 256GB**/ Sonos Arc The Premium Smart Soundbar / Samsung Galaxy S22 5G 8GB-256GB / Dyson Purifier Hot+Cool™ Formaldehyde HP09 / iPad Air 256GB**/Sony LinkBuds/up to HK$10,000 Voucher!!! Successful application on Citi Credit Card through MoneySmart and accumulating eligible transactions of HK$300 or above can get HK$1,500 Apple Gift Card/Supermarket Voucher/Decathlon Voucher/Bose QuietComfort® True Wireless Bluetooth Earbuds (Retail value: HK$2,299)!

Valid until 31 May 2022 - See more details below
Apply Now
DBS 星展銀行 logo

Monthly Payment

HK$8,343

Monthly Payment
MoneySmart Exclusive
APR as low as 1.8%
APR*
4.04%
Total Amount Payable
HK$100,120
Total Interest Payable
HK$120
Monthly Payment
HK$8,343

Customer who successfully apply and drawdown DBS Personal Instalment Loan can get up to HK$3,200  “InstaRedeem” + Extra up to HK$9,800 Supermarket Cash Voucher/Apple Gift Card!!Get up to total HK$13,000 reward

Valid until 22 May 2022 - See more details below
Promotion ends in
Apply Now
WeLab logo

Monthly Payment

HK$8,413

Monthly Payment
MoneySmart Exclusive
APR* (Inclusive of HKD 3,000 cash rebate)
1.27%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413

【MoneySmart Exclusive Offer 】- get up to HK$3,000 supermarket vouchers / Apple Watch Series 7
From now until 31 May 2022, customers enter referral code "NLSMRT" to successfully apply for loan and draw down the $500,000 loan could win you up to HK$6,499 rewards (Including $3,000 draw down cash rebate from WeLab Bank and HK$3,000 supermarket vouchers / Apple Watch Series 7 from MoneySmart); new Welab bank customers enter referral code "NLSMRT" to successfully open an account could get an extra $300 account opening spending rebate.

Valid until 31 May 2022 - See more details below
Apply Now
邦民日本財務 logo

Monthly Payment

HK$8,533

Monthly Payment
MoneySmart Exclusive
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 worth up to HK$13,000! New customers who withdraw their loans from 1 April 2022 to 30 June 2022, will receive a cash reward of up to HK$10,000 and HK$3,000 electrical appliance voucher ▲. Welcome Hong Kong non-permanent residents with 3 months and above working visa validity ※ 
Valid until 30 Jun 2022 - See more details below
Apply Now
WeLend logo

Monthly Payment

HK$8,458

Monthly Payment
MoneySmart Exclusive
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

Selected customers who have successfully applied can get HK$300 supermarket cash coupon, no matter the loan is approved or not! You can receive up to HK$12,000 Cash Rebate upon successful draw down!

Valid until 02 Jun 2022 - See more details below
Apply Now
Zero Finance logo

Monthly Payment

HK$9,083

Monthly Payment
MoneySmart Exclusive
Lightning Approval in 15 Seconds
APR*
9.0%
Total Amount Payable
HK$109,000
Total Interest Payable
HK$9,000
Monthly Payment
HK$9,083
New customers who enter the promo code "SMT22" to apply for X Wallet eXpress Loan for the first time and successfully confirm the loan contract will receive the First 14 Days Interest Rebate & $150 HKTV Mall Cash Coupon (Exclusive reward will be fulfilled by X Wallet) 
Valid until 31 May 2022 - See more details below
Apply Now
UA 亞洲聯合財務 logo

Monthly Payment

HK$8,603

Monthly Payment
Promotion
No documents required
APR*
2.98%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603
Promotion:
Limited time offer: [UA EMPOWER YOU TO FIGHT ANOTHER DAY] New and existing customers^ enjoy up to $18,000
Valid until 30 Jun 2022 - See more details below
Apply Now
UA 亞洲聯合財務 logo

Monthly Payment

HK$8,393

Monthly Payment
Promotion
APR as low as 1.38%
APR*
1.38%
Total Amount Payable
HK$100,720
Total Interest Payable
HK$720
Monthly Payment
HK$8,393
Promotion:
Limited time offer: [UA EMPOWER YOU TO FIGHT ANOTHER DAY] New and existing customers^ enjoy up to $18,000
Valid until 30 Jun 2022 - See more details below
Apply Now
Grantit logo

Monthly Payment

HK$8,523

Monthly Payment
MoneySmart Exclusive
Non-TU
APR*
4.2%
Total Amount Payable
HK$102,280
Total Interest Payable
HK$2,280
Monthly Payment
HK$8,523

【Welcome offer Exclusive for MoneySmart Users】From now until 31 May 2022, download the Grantit App and use the promo code 【 Moneysmart100 】to get $100 cash reward upon approval and signing of the loan contract in the app. Get extra $500 supermarket vouchers when drawdown the loan amount HK$5,000 or above successfully within promotion period! Total rewards up to $600!

Valid until 31 May 2022 - See more details below
Apply Now
SCB 渣打銀行 logo

Monthly Payment

HK$8,553

Monthly Payment
APR as low as 1.18%
APR*
4.94%
Total Amount Payable
HK$102,634
Total Interest Payable
HK$2,634
Monthly Payment
HK$8,553
Apply Now
livi logo

Monthly Payment

HK$14,183

Monthly Payment
Bank Promo
APR*
5.85%
Total Amount Payable
HK$170,200
Total Interest Payable
HK$70,200
Monthly Payment
HK$14,183
Bank Promo:
Enjoy APR as low as 1.20%, earn up to $2,500 HKD cash rebate!
Effective immediately from now on to May 31, earn extra $1,000 HKD rebate with MoneySmart exclusive invitation code 【msmart#2500】Totally earn up to $2,500 cash rebate, APR as low as 1.08%! 
Valid until 31 May 2022 - See more details below
Apply Now
天星銀行Airstar logo

Monthly Payment

HK$8,467

Monthly Payment
Bank Promo
APR*
2.99%
Total Amount Payable
HK$101,608
Total Interest Payable
HK$1,608
Monthly Payment
HK$8,467
Bank Promo:
Stellar APR as low as 1.28% & HK$400 loan coupon (usable at drawdown):
new customers successfully apply for the loan via MoneySmart, with drawdown of HK$50,000 or above and repayment tenor of 12 months or above within 30 calendar days. To be credited to customers' Airstar Bank HKD savings accounts in the form of cash rebate within 3 months upon loan drawdown

The promotion period is from now to 30 June 2022, both dates inclusive ("Promotion Period"). If Eligible Customer drawdown a Personal Loan with a loan amount not more than HKD100,000 during the Promotion Period, the first due date of the loan will be extended to 2 calendar months since the loan drawdown date which the customer is not required to make repayment in the first 60 days after drawdown (“Repayment Free Offer”). 
Valid until 30 Jun 2022 - See more details below
Apply Now
UA 亞洲聯合財務 logo

Monthly Payment

HK$8,603

Monthly Payment
Promotion
Approval and cash transfer even on Sat and Sun
APR*
2.98%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603
Promotion:
Limited time offer: [UA Maximum loan amount up to $1,000,000] New and existing customers^ enjoy up to $18,000, no deed of assignment required and enjoy large personal loan amount
Valid until 30 Jun 2022 - See more details below
Apply Now
天星銀行Airstar logo

Monthly Payment

HK$8,467

Monthly Payment
Bank Promo
APR*
2.99%
Total Amount Payable
HK$101,608
Total Interest Payable
HK$1,608
Monthly Payment
HK$8,467
Bank Promo:
 HK$400 loan coupon (usable at drawdown):
new customers successfully apply for the loan via MoneySmart, with drawdown of HK$50,000 or above and repayment tenor of 12 months or above within 30 calendar days. To be credited to customers' Airstar Bank HKD savings accounts in the form of cash rebate within 3 months upon loan drawdown.

The promotion period is from 20 April 2022 to 30 June 2022, both dates inclusive ("Promotion Period").  Up to HKD 13,800 cash rebate is applicable to applicants who apply Debt Consolidation Loan within the Promotion Period and drawdown the loan successfully by 31 July 2022 with drawdown amount not less than HKD 200,000 and tenor not less than 24 months(“Eligible Customer”). 

If Eligible Customer drawdown a Debt Consolidation Loan at any amount during the Promotion Period, the first due date of the loan will be extended to 2 calendar months since the loan drawdown date which the customer is not required to make repayment in the first 60 days after drawdown (“Repayment Free Offer”). 
Valid until 30 Jun 2022 - See more details below
Apply Now
 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
 Up to $10,000 Cash Bonus will be rewarded for successful application! 
 (Exclusive reward will be fulfilled by PrimeCredit) 
Valid until 30 Jun 2022 - See more details below
Apply Now
KM 信貸 logo

Monthly Payment

HK$8,533

Monthly Payment
APR*
4.4%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Apply Now
優尚信貸Cashing Pro logo

Monthly Payment

HK$8,533

Monthly Payment
APR*
4.4%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
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
中信銀行(國際) logo

Monthly Payment

HK$8,546

Monthly Payment
MoneySmart Exclusive
Repayment period up to 72 Months
APR*
7.19%
Total Amount Payable
HK$102,556
Total Interest Payable
HK$2,556
Monthly Payment
HK$8,546

Get up to HK$4,000 supermarket voucher by successful application of personal loan via MoneySmart!

Valid until 31 May 2022 - 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. 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 Personal Loans in Hong Kong

Personal LoansAPRMAX. LOAN AMOUNT
Citi Speedy Cash1.38%HK$2,000,000 or 12x monthly salary
WeLend Personal Loan2.79%HK$600,000
DBS Personal Instalment Loan1.56%HK$2,000,000 or 20x monthly salary
PrimeCredit Civil Servant & Professional Loan2.38%HK$600,000
Dah Sing Express Money1.68%HK$1,000,000 or 10x monthly salary
Promise Easy Loan4.49%HK$600,000
PrimeCredit Fixed Loan2.38%HK$600,000 or 18x monthly salary
Hang Seng Personal Instalment Loan1.78%HK$2,500,000 or 15x monthly salary

Personal Loans Glossary

APR (Annual Percentage Rate)

APR (Annual Percentage Rate) is calculated by taking into account the interest rate on a loan and any other lender charges such as handling fee. APR is used to compare different loan products, making the process of finding the right loan easier.

Monthly Flat Rate

The difference between an interest rate and an APR is that the lender charges are added to APR. Therefore the APR of a loan is usually higher than its interest rate if it comes with lender charges.

Unsecured Loan

Lenders approve unsecured loans based on a borrower's credit history instead of relying on the borrower's assets as security. Examples of unsecured loans are personal loans, credit cards, etc.

Secured Loan

A secured loan e.g. mortgage loan is money you borrow that is secured against an asset that you own.

Overdraft

An overdraft is an extension of credit from a lender that is granted when the account has no or insufficient funds. This allows you to continue withdrawing money even when your account reaches zero.

Poor credit

A person is considered to have poor credit if he/she has a history of not paying his/her bills on time. Poor credit is often reflected as a low credit score. Lenders will use it for reference when approving for any loan/ credit card applications. People with poor credit will find it harder to get a loan or get a credit card.

Revolving Credit

Revolving credit is a credit account that allows you to repeatedly borrow money up to a set limit and pay it back over time. Everytime you repay, it will replenish the amount available to you.

Types of Personal Loans

There are different types of personal loans catering to different purposes and varying in its interest rates and availability. Not sure which one is the best for you? Check out the various personal loans below!

Quick Loan

Quick loan products are created to offer immediate solutions for cash emergencies. It is often deposited the same day of the application being approved. However, they usually come with smaller loan amounts.

Debt Consolidation Loan

Debt consolidation loan is designed for borrowers with multiple loans. With debt consolidation, borrowers can transfer higher-interest debt to a lower-interest debt repayment by gathering all outstanding unsecured loans into one monthly payment to save on interest and enjoy a reduced repayment amount and a shortened repayment period.

Tax Loan

Tax loan is a type of personal loan available only during tax season with lower-than-usual interest rates. You can use tax loan for tax payment and other purposes including home furnishing, wedding, education, etc.

Car Loan

Car loans are loans you use to buy a car. It is often taken care of by the car dealer, and the interest rate is less transparent compared to personal loans and it usually comes with restrictions on the car’s age.

Tips for Comparing Loans in Hong Kong

1. Compare 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.

2. Choose the loan plan that serves your financial needs

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 consider whether they cater to your financial needs.

3. Evaluate your ability to repay the loan

Banks and money lenders issue loan amounts which are about 12 to 21 months of borrower’s salary. The loan amount and interest rate are partly based on their credit score. 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 only if you can repay!

Benefits of Personal Loans

Ease your cash flow concerns

Personal loans are a form of unsecured loans, which means you can get a loan without collaterals. Therefore, instead of relying on a borrower's assets as security, it is based solely on the borrower's creditworthiness. Personal loan is a good solution to cash flow 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.

Simple application process

As long as you’re 18 or above and having a monthly salary of at least HK$5,000, you’re welcome to apply for personal loans. Bring your identity card, residential address proof, bank statement, and salary slip and you’re good to go!

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Applying for Quick Personal Loans

Nowadays, many banks or money lenders such as DBS or Citibank offer quick loans with a fast application process. Borrowers can apply online and without having to show up throughout the entire loan application process.
Quick loans are designed to be approved in a short period of time, typically within 1 hour. Loan applicants can expect to have the loan transferred to their bank account soon after the approval of their quick loan online application. There are loans that provide instant approval feature which is ideal for people who want to get its financing promptly.

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%
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 1.38% or above
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.

Frequently Asked Questions

What exclusive offers can I enjoy if I apply for personal loan through MoneySmart?

MoneySmart partners with various loan providers to offer exclusive offers: New customers who successfully apply and drawdown Citi Speedy Cash loan (APR as low as 1.38%) can enjoy up to $10,000 supermarket voucher or other attractive gifts! Check out more exclusive offers on MoneySmart NOW!

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!

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.

Where can I get a personal loan?

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