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
200,000 personal loan Paid over 12 Months
HK$
We found 37 Personal Loans for you!
Sponsored
邦民日本財務 logo

每月還款額

HK$17,067

每月還款額
Welcome Offer
星期日都照批
實際年利率*
4.49%
應付總額
HK$204,800
應付利息總額
HK$4,800
每月還款額
HK$17,067
Welcome Offer:
新客成功貸款,可獲高達HK$3,500現金獎▲, 貸款全程無需現身+,非固定僱主人士同樣歡迎◆
Valid until 31 Jan 2021 - See more details below
Apply Now
Citibank 花旗銀行 logo

每月還款額

HK$16,827

每月還款額
MoneySmart Exclusive
實際年利率*
1.78%
應付總額
HK$201,920
應付利息總額
HK$1,920
每月還款額
HK$16,827
新客戶成功申請及提取Citi 稅季貸款可獲高達HK$6,000超市現金券 + 獨家額外高達HK$4,000超市現金券/Apple禮品卡!
Valid until 31 Jan 2021 - See more details below
Apply Now
 安信信貸 logo

每月還款額

HK$16,867

每月還款額
MoneySmart Exclusive
10分鐘批核及一小時內放款
實際年利率*
2.38%
應付總額
HK$202,400
應付利息總額
HK$2,400
每月還款額
HK$16,867
成功申請人人送高達$8000大利是!
Valid until 28 Feb 2021 - See more details below
Apply Now
WeLend logo

每月還款額

HK$16,914

每月還款額
Promotion
指定貸款金額免入息證明
實際年利率*
2.79%
應付總額
HK$200,960
應付利息總額
HK$969.60
每月還款額
HK$16,914
Promotion:
應用A.I. 大數據,即秒計出個人化報價,貸款額按你所想,準確批足!
Valid until 19 Feb 2021 - See more details below
Apply Now
BOC 中國銀行 logo

每月還款額

HK$16,826

每月還款額
Bank Promo
免手續費
實際年利率*
1.78%
應付總額
HK$201,917.60
應付利息總額
HK$1,917.60
每月還款額
HK$16,826
Bank Promo:
特選客戶可享實際年利率低至1.78%及免手續費!
Valid until 30 Apr 2021 - See more details below
Apply Now
UA 亞洲聯合財務 logo

每月還款額

HK$17,207

每月還款額
毋須提供證明文件
實際年利率*
6.16%
應付總額
HK$206,480
應付利息總額
HK$6,480
每月還款額
HK$17,207
Apply Now
中國建設銀行(亞洲) logo

每月還款額

HK$17,087

每月還款額
MoneySmart Exclusive
即時批核及即日發放貸款
實際年利率*
4.72%
應付總額
HK$205,040
應付利息總額
HK$5,040
每月還款額
HK$17,087
成功申請並提取「好現金」稅季貸款,有機會獲得Nintendo Switch Lite 一部或$1400 Apple禮品卡(由MoneySmart送出) + 高達HK$6,000現金獎賞 (由中國建設銀行(亞洲)送出)
Valid until 31 Jan 2021 - See more details below
Apply Now
渣打銀行 logo

每月還款額

HK$16,824

每月還款額
Online Promo
實際年利率低至1.75%
實際年利率*
1.75%
應付總額
HK$201,884
應付利息總額
HK$1,884
每月還款額
HK$16,824
Online Promo:
網上申請尊享高達HK$4,000現金回贈
-全新渣打信用卡客戶可享額外HK$1,000現金回贈
*網上申請享高達HK$3,000現金回贈
-優惠期2020年12月1日至2021年3月31日 
Valid until 31 Mar 2021 - See more details below
Apply Now
中信銀行(國際) logo

每月還款額

HK$17,187

每月還款額
0%手續費 實際年利率低至2.90%
實際年利率*
5.86%
應付總額
HK$206,240
應付利息總額
HK$6,240
每月還款額
HK$17,187
Apply Now
交通銀行 logo

每月還款額

HK$17,103

每月還款額
高達港幣4,500元信用卡簽賬回贈
實際年利率*
4.96%
應付總額
HK$203,240
應付利息總額
HK$3,240
每月還款額
HK$17,103
Apply Now
BEA 東亞銀行 logo

每月還款額

HK$16,827

每月還款額
Bank Promo
0% 手續費
實際年利率*
1.78%
應付總額
HK$201,920
應付利息總額
HK$1,920
每月還款額
HK$16,827
Bank Promo:
網上或手機成功申請專享高達HK$1,000 現金回贈
Valid until 30 Mar 2021 - See more details below
Apply Now
BOC 中國銀行 logo

每月還款額

HK$16,844

每月還款額
豁免全期手續費
實際年利率*
1.98%
應付總額
HK$202,131.20
應付利息總額
HK$2,131.20
每月還款額
HK$16,844
Apply Now
BEA 東亞銀行 logo

每月還款額

HK$16,827

每月還款額
0% 手續費
實際年利率*
1.78%
應付總額
HK$201,920
應付利息總額
HK$1,920
每月還款額
HK$16,827
Apply Now
Citibank 花旗銀行 logo

每月還款額

HK$17,027

每月還款額
MoneySmart Exclusive
無隱藏條款
實際年利率*
3.36%
應付總額
HK$204,320
應付利息總額
HK$4,320
每月還款額
HK$17,027
新客戶成功申請及提取Citi 特快現金或Citi 卡數結餘轉戶貸款,最高可獲HK$4,000 MoneySmart 獨家優惠
Valid until 31 Jan 2021 - See more details below
Apply Now
 安信信貸 logo

每月還款額

HK$16,867

每月還款額
MoneySmart Exclusive
尊享14日延遲還款
實際年利率*
2.38%
應付總額
HK$202,400
應付利息總額
HK$2,400
每月還款額
HK$16,867
成功申請人人送高達$8000大利是!
Valid until 28 Feb 2021 - See more details below
Apply Now
中信銀行(國際) logo

每月還款額

HK$17,147

每月還款額
還款期長達72個月
實際年利率*
7.33%
應付總額
HK$205,760
應付利息總額
HK$5,760
每月還款額
HK$17,147
Apply Now
DBS 星展銀行 logo

每月還款額

HK$16,707

每月還款額
貸款額高達HK$2,000,000
實際年利率*
4.27%
應付總額
HK$200,480
應付利息總額
HK$480
每月還款額
HK$16,707
Apply Now
中國建設銀行(亞洲) logo

每月還款額

HK$17,087

每月還款額
MoneySmart Exclusive
高達HK$6,000現金回贈
實際年利率*
4.4%
應付總額
HK$205,040
應付利息總額
HK$5,040
每月還款額
HK$17,087
成功申請並提取「好現金」私人貸款,有機會獲得Nintendo Switch Lite 一部+HK$150 Deliveroo現金劵(由MoneySmart送出)+HK$6,000現金獎賞(由中國建設銀行(亞洲)送出)
Valid until 31 Jan 2021 - See more details below
Apply Now
DBS 星展銀行 logo

每月還款額

HK$16,867

每月還款額
1分鐘快速批核兼即日放款
實際年利率*
6.14%
應付總額
HK$202,400
應付利息總額
HK$2,400
每月還款額
HK$16,867
Apply Now
WeLend logo

每月還款額

HK$17,039

每月還款額
提供3個還款方案建議
實際年利率*
4.21%
應付總額
HK$202,448
應付利息總額
HK$2,472.48
每月還款額
HK$17,039
Apply Now

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Compare Personal Instalment Loans

Personal Loan Plans Max. Loan AmountMin. - Max. repayment period
Citi Tax Season LoanHK$2,000,000 or 12x monthly salary6 Months - 60 Months
Dah Sing Express MoneyHK$1,000,000 or 10x monthly salary12 Months - 60 Months
DreamCash Personal LoanHK$1,200,000 or 12x monthly salary12 Months - 60 Months
Promise Easy LoanHK$600,0006 Months - 84 Months
PrimeCredit Fixed LoanHK$600,000 or 18x monthly salary6 Months - 60 Months
Real 0% Interest i-Money Internet Personal LoanHK$100,0006 Months - 60 Months
AEON Flexi LoanHK$800,000 or 8x monthly salary12 Months - 60 Months
Hang Seng Personal Instalment LoanHK$2,500,000 or 15x monthly salary12 Months - 60 Months
DBS Debt Consolidation LoanHK$2,000,000 or 21x monthly salary12 Months - 72 Months

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.

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.

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.

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 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.

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.