Compare the Best Personal Loans Rates and APRs 2020

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 26 Personal Loans for you!
Sponsored
邦民日本財務 logo

Monthly Payment

HK$8,533

Monthly Payment
Welcome Offer
Flexible repayment period up to 84 months
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$3,500 instant cash reward to new customers▲! Welcome Hong Kong non-permanent residents with 3 months and above working visa validity※  Valid till 31 Aug 2020.
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花旗銀行 logo

Monthly Payment

HK$8,423

Monthly Payment
MoneySmart Exclusive
No hidden terms and conditions
APR*
2.01%
Total Amount Payable
HK$101,080
Total Interest Payable
HK$1,080
Monthly Payment
HK$8,423
MoneySmart Exclusive: New customer who successfully apply and drawdown Citi Speedy Cash or Citi Card Debt Consolidation Loan, can get up to HK$3,000 welcome offer + HK$4,000 MoneySmart reward = total HK$7,000 cash voucher! Valid till 30 Sep 2020.
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WeLend logo

Monthly Payment

HK$8,457

Monthly Payment
Promotion
Income proof free for designated loan amount
APR*
2.79%
Total Amount Payable
HK$100,480
Total Interest Payable
HK$484.80
Monthly Payment
HK$8,457
Promotion: New customer who successfully apply can get HK$300 supermarket cash coupon! Up to HK$10,000 cash rebate for successful drawdown! Skip Proof of Income and Address, enhanced A.I. instant approval more to your needs! Valid till 05 Oct 2020.
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 安信信貸 logo

Monthly Payment

HK$8,533

Monthly Payment
MoneySmart Exclusive
10-minute approval and disbursement in an hour
APR*
4.64%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
MoneySmart Exclusive: Up to $12,000 Cash Bonus + exclusive $500 octopus for successful applications via MoneySmart Valid till 30 Sep 2020.
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東亞銀行 logo

Monthly Payment

HK$8,413

Monthly Payment
MoneySmart Exclusive
0% handling fee
APR*
1.78%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413
MoneySmart Exclusive: New customer who successfully apply and drawdown BEA “Super-Fast” Instalment Loan, can get MoneySmart exclusive offer up to HK$3,000 supermarket cash coupon! Valid till 19 Aug 2020.
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亞洲聯合財務 logo

Monthly Payment

HK$8,603

Monthly Payment
Online Promo
No documents required
APR*
6.18%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603
Online Promo: [From now until Sep 10, 2020] [Online Limited Time Welcome Offer] New customer will be rewarded GODIVA Gift Voucher HK$300^ upon application Valid till 10 Sep 2020.
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渣打銀行 logo

Monthly Payment

HK$8,553

Monthly Payment
Promotion
APR as low as 1.98%
APR*
4.94%
Total Amount Payable
HK$102,634
Total Interest Payable
HK$2,634
Monthly Payment
HK$8,553
Promotion: Online Offer up to HK$2,000 Cash Rebate Valid till 04 Oct 2020.
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
MoneySmart Exclusive: Up to $12,000 Cash Bonus + exclusive $500 octopus for successful applications via MoneySmart Valid till 30 Sep 2020.
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交通銀行 logo

Monthly Payment

HK$8,612

Monthly Payment
Online Promo
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
Online Promo: Apply online to enjoy up to HK$4,500 Credit Rebate for loan drawdown# Valid till 31 Aug 2020.
Read More
WeLend logo

Monthly Payment

HK$8,526

Monthly Payment
Promotion
3 tailored repayment plans suggestion
APR*
4.33%
Total Amount Payable
HK$101,296
Total Interest Payable
HK$1,308.96
Monthly Payment
HK$8,526
Promotion: New customer who successfully apply can get HK$300 supermarket cash coupon! Up to HK$10,000 cash rebate for successful drawdown! Skip Proof of Income and Address! Enhanced A.I. helps you to resolve all your debt! Valid till 05 Oct 2020.
Apply Now
 安信信貸 logo

Monthly Payment

HK$8,533

Monthly Payment
MoneySmart Exclusive
Professional suggestions on best repayment plan
APR*
4.64%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
MoneySmart Exclusive: Up to $12,000 Cash Bonus + exclusive $500 octopus for successful applications via MoneySmart Valid till 30 Sep 2020.
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AEON信貸財務(亞洲) logo

Monthly Payment

HK$8,533

Monthly Payment
Flexible repayment period to 48 months
APR*
4.48%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Apply Now
中國銀行 logo

Monthly Payment

HK$8,457

Monthly Payment
Approval in 30 seconds
APR*
4.7%
Total Amount Payable
HK$101,484.40
Total Interest Payable
HK$1,484.40
Monthly Payment
HK$8,457
Apply Now
亞洲聯合財務 logo

Monthly Payment

HK$8,603

Monthly Payment
Online Promo
Approval and cash transfer even on Sat and Sun
APR*
6.18%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603
Online Promo: [From now until Sep 10, 2020] [Online Limited Time Welcome Offer] New customer will be rewarded GODIVA Gift Voucher HK$300^ upon application Valid till 10 Sep 2020.
Apply Now
渣打銀行 logo

Monthly Payment

HK$8,754

Monthly Payment
Promotion
Up to HK$3,000 cash rebate for online application
APR*
9.6%
Total Amount Payable
HK$105,052
Total Interest Payable
HK$5,052
Monthly Payment
HK$8,754
Promotion: Online Offer up to HK$3,000 Cash Rebate Valid till 04 Oct 2020.
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
花旗銀行 logo

Monthly Payment

HK$8,523

Monthly Payment
MoneySmart Exclusive
Repayment term up to 72 months
APR*
4.26%
Total Amount Payable
HK$102,280
Total Interest Payable
HK$2,280
Monthly Payment
HK$8,523
MoneySmart Exclusive: New customer who successfully apply and drawdown Citi Speedy Cash or Citi Card Debt Consolidation Loan, can get up to HK$3,000 welcome offer + HK$4,000 MoneySmart reward = total HK$7,000 cash voucher! Valid till 30 Sep 2020.
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大新銀行 logo

Monthly Payment

HK$8,660

Monthly Payment
Loan disbursement in as quick as 15 minutes
APR*
7.26%
Total Amount Payable
HK$103,924
Total Interest Payable
HK$3,924
Monthly Payment
HK$8,660
Apply Now
大新銀行 logo

Monthly Payment

HK$9,032

Monthly Payment
Monthly flat rate as low as 0.11%
APR*
16.04%
Total Amount Payable
HK$107,200
Total Interest Payable
HK$7,279.20
Monthly Payment
HK$9,032
Apply Now
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
MoneySmart Exclusive: Up to HK$2,200 Coupons for applying for Personal Instalment Loan Valid till 31 Aug 2020.
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 Personal Instalment Loans

Bank / Lending CompaniesLoan Plans Max. Loan Amount
CitibankCiti Tax Season LoanHK$2,000,000 or 12x monthly salary
Dah SingDah Sing Express MoneyHK$1,000,000 or 10x monthly salary
Bank of CommunicationsDreamCash Personal LoanHK$1,200,000 or 12x monthly salary
PromisePromise Easy LoanHK$600,000
PrimeCreditPrimeCredit Fixed LoanHK$600,000 or 18x monthly salary
UA FinanceReal 0% Interest i-Money Internet Personal LoanHK$100,000
AEONAEON Flexi LoanHK$800,000 or 8x monthly salary
Hang SengHang Seng Personal Instalment LoanHK$2,500,000 or 15x monthly salary
DBSDBS Debt Consolidation LoanHK$2,000,000 or 21x monthly salary

How to choose the best personal 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.

Personal Loan Hong Kong Reviews 2020

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.

Tips for Getting Personal Loans

Tip #1Annual Percentage Rate (APR) is the key to compare loans

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 repayment situation.

Tip #2Personal loans serve different purposes

Loans help you to reduce money stress and get motivated to take control of your finances. For example, fixed instalment loans serve scaled expenses, balance transfer loans ease high-interest debts, revolving loans give extra flexibility of cash flow in a foreseeable future.

Tip #3Loan amounts are varied

Unsecured loans have no collateral backing. Banks and lenders issue loan amount which is about 12 to 21 months of borrow’s salary, and is based on their creditworthiness and promise of repayment.

Why do we need personal loans?

Ease your cash flow concern

Banks and private money lenders offer loan plans with longer repayment, some of them even extend 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!

Frequently Asked Questions

Am I qualified 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.

Do personal loans have an 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.

What do I need to prepare for my personal 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.