- The lowest APR*
- 1.38%
- Total Amount Payable
- HK$205,760
- Total Interest Payable
- HK$5,760
- Monthly Payment
- HK$8,573
- The lowest APR*
- 1.38%
- Total Amount Payable
- HK$205,760
- Total Interest Payable
- HK$5,760
- Monthly Payment
- HK$8,573
- APR*
- 1.56%
- Total Amount Payable
- HK$203,360
- Total Interest Payable
- HK$3,360
- Monthly Payment
- HK$8,473
【💵Tax Season Extra Treats!】Apply to get up to HK$18,199 Rewards!
New customers who successfully apply for the Citi Tax Season Loan / Citi Card Debt Consolidation Loan on or before 28 February 2025 and successfully draw down on or before 31 March 2025 would be eligible for MoneySmart exclusive gift up to an 🍎 iPhone 16 Plus 512GB (valued: HK$10,199) / HK$10,000 Apple Store Gift Card / PARKnSHOP supermarket vouchers! The welcome offer from the bank is as high as an $8,000 cash voucher!

- APR*
- 1.68%
- Total Amount Payable
- HK$203,840
- Total Interest Payable
- HK$3,840
- Monthly Payment
- HK$8,493
【Upgraded Offer – up to $31,868 rewards】Seize market opportunities💰Click in secure capital in 3 steps
From 1 February until 28 February, apply for Personal Instalment 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!

- APR*
- 9.57%
- Total Amount Payable
- HK$220,160
- Total Interest Payable
- HK$20,160
- Monthly Payment
- HK$9,173
【💵Tax Season Extra Treats!】Apply to get up to HK$18,199 Rewards!
New customers who successfully apply for the Citi Tax Season Loan / Citi Card Debt Consolidation Loan on or before 28 February 2025 and successfully draw down on or before 31 March 2025 would be eligible for MoneySmart exclusive gift up to an 🍎 iPhone 16 Plus 512GB (valued: HK$10,199) / HK$10,000 Apple Store Gift Card / PARKnSHOP supermarket vouchers! The welcome offer from the bank is as high as an $8,000 cash voucher!

- APR as low as*
- 1.98%
- Total Amount Payable
- HK$216,464
- Total Interest
- HK$16,464
- Monthly Payment
- HK$9,019
Pledges approval result within 60 seconds^ from receive complete loan application information and customer’s consent for accessing the credit reference report. If the approval result is not available within the guaranteed time, successfully approved customers can enjoy an Interest Waiver Coupon up to value HK$1,000⁺.
#No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that.
^ From your consent accessing the credit report to the approval result. Applicable to qualified customers only. For details, please refer to the website.
⁺VCREDIT reserves the final rights and is subject to the terms and conditions on a case-by-case basis.
- APR*
- 4.11%
- Total Amount Payable
- HK$208,640
- Total Interest Payable
- HK$8,640
- Monthly Payment
- HK$8,693
【Upgraded Offer – up to $31,868 rewards】
From 1 February until 28 February, 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!

- The lowest APR
- 1.38%
- Total Amount Payable
- HK$205,760
- Total Interest Payable
- HK$5,760
- Monthly Payment
- HK$8,573
- APR as low as*
- 1.28%
- Total Amount Payable
- HK$216,800
- Total Interest Payable
- HK$16,800
- Monthly Payment
- HK$9,033
【📣 New-year Exclusive top-up offer : Up to HKD10,888! 🧧 】
New customers who successfully open a Mox account and apply for a loan using the promo code "MSCASH10" on or before 28 February 2025 will earn an application bonus of a HKD500 Cash Rebate, 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💰

- The lowest APR
- 1.88%
- Total Amount Payable
- HK$205,760
- Total Interest Payable
- HK$5,760
- Monthly Payment
- HK$8,573