Best Personal Loans Rates & APR in Hong Kong 2020

We found 25 Personal Loans for you!

HK$8,533

Welcome Offer

Flexible repayment period up to 84 months

Promise Easy Loan

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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Key Features

Get you loan, all online+. Instant transfer once loan is approved^.
No supporting document is required#, apply loan with HKID and mobile number only.
Loan calculates in daily interest, which diminishes with repaid principal. No penalty or handling fee for early settlement.
★“Approval on Sundays” is only applicable to loan application through Apply Online during office hours on Sunday. Except public holidays.
^ “Instant Money Transfer” applies to loans that are transferred via Faster Payment System (FPS), which subject to the system maintenance periods.
# For application, only HKID card and mobile phone will be required for working people, the maximum loan amount will be HK$100,000. A more ideal loan amount might be approved, if additional documents can be provided.
⦿ “Instant Approval" is limited to online application which is a preliminary approval result. We reserve the right of final approval.
+ “Apply Anywhere” only applicable to customers who choose to sign the loan agreement online and fulfill the loan conditions of “signing loan agreement online”. Customer can also choose to sign the loan agreement in any of our branches.
◆ The maximum loan amount for “Freelancer” will be HK$100,000
※ For Hong Kong non-permanent resident’s loan application, at least 3 months working visa validity is required.
* All examples and information of interest rate are for reference only, and any final approval is subject to actual circumstances of individual loan applicant.
▲ Promotion Period is from 1 July 2020 to 31 August 2020 (both dates inclusive).
Subject to Terms and Conditions of promotion. For Terms and Conditions details, please visit website of Promise (Hong Kong) Co. Limited.
In case of disputes regarding this offer, the decision of Promise (Hong Kong) Co., Ltd. shall be final and conclusive.
Promise (Hong Kong) Co., Ltd. reserves its right to approve any loan applications and revise the above said Terms and Conditions without prior notice.
Warning: You have to repay your loans. Don't pay any intermediaries.
Enquiry and Complaint Hotline : 3199 1199
Money Lender’s Licence Number : 1140/2019

Repayment summary

Principal Loan Amount	HK$100,000
Total Interest Payable	HK$2,400
Total Amount Payable	HK$102,400
Annual Percentage Rate	4.49%
Monthly Instalment	HK$8,533
Repayment Period	12 Months

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Monthly Payment

HK$8,533

MoneySmart Exclusive

10-minute approval and disbursement in an hour

PrimeCredit Fixed Loan

APR*: 4.64%
Total Amount Payable: HK$102,400
Total Interest Payable: HK$2,400
Monthly Payment: HK$8,533

MoneySmart Exclusive: 1% cash bonus will be rewarded upon successful application Valid till 31 Jul 2020.

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Monthly Payment

HK$8,457

Promotion

Income proof free for designated loan amount

WeLend Personal Loan

APR*: 2.79%
Total Amount Payable: HK$100,480
Total Interest Payable: HK$484.80
Monthly Payment: HK$8,457

Promotion: New customers Get HK$50,000, Rebate HK$10,000! Skip Proof of Income and Address, enhanced A.I. instant approval more to your needs! Valid till 31 Aug 2020.

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Key Features

The Promotion is valid from March 2, 2020 to April 4. 2020, both dates inclusive.
New customer who applied for and successfully drawdown WeLend Personal Loan during the promotional period, with loan amount between HK$80,000 to HK$99,999 and loan repayment period above 12 months, will enjoy HK$2,800 cash rebate. Customer who drawdown with loan amount HK$100,000 or above, with loan repayment period above 12 months, will enjoy HK$3,800 cash rebate.
Terms and conditions apply, please refer to Promotional Terms and Conditions on Application Website for details
Our online application protects your data with advanced grade encryption standards from data transfer to storage. Real time credit assessment using A.I. technology and big data analysis can calculate your real loan rate in seconds, anytime, anywhere.
We provide a more reliable, more instant way to approve your loan by using one time passwords, facial recognition and A.I. scanning to verify your identity, I.D. Card and document me to fasten the approval process
No more waiting for transfers. Sign your loan agreement online, and once final verification and approval is complete, we’ll transfer your money automatically^
*All required information on the application must be complete and accurate. Final approval is subject to the final submission of all relevant documents and the credit record of the applicant
^Disbursement into customers’ bank account will be made automatically after the loan agreement has been signed and all the details on the application has been verified and approved. Actual transfer time is subject to each individual bank's transfer service hours
The interest rate, handling fee and repayment details are for reference only. Final approval is subject to the final submission of information and the credit record of the applicant
WELEND LIMITED reserves its absolute rights on the final loan decision and on any disputes
Warning: You have to repay your loans. Don't pay any intermediaries.
Money Lender's License: 0671/2019

Repayment summary

Principal Loan Amount	HK$100,000
Total Interest Payable	HK$484.80
Total Amount Payable	HK$100,480
Annual Percentage Rate	2.79%
Monthly Instalment	HK$8,457
Repayment Period	12 Months

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Monthly Payment

HK$8,423

MoneySmart Exclusive

No hidden terms and conditions

Citi Speedy Cash

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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Monthly Payment

HK$8,413

MoneySmart Exclusive

0% handling fee

BEA "Super-Fast" Instalment Loan

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 27 Jul 2020.

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Monthly Payment

HK$8,603

No documents required

UA "NO SHOW" Personal Loan

APR*: 6.18%
Total Amount Payable: HK$103,240
Total Interest Payable: HK$3,240
Monthly Payment: HK$8,603

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Monthly Payment

HK$8,353

MoneySmart Exclusive

Loan amount up to HK$2,000,000

DBS Debt Consolidation Loan

APR*: 4.27%
Total Amount Payable: HK$100,240
Total Interest Payable: HK$240
Monthly Payment: HK$8,353

MoneySmart Exclusive: Up to HK$3,300 Coupons for applying for Debt Consolidation Loan Valid till 31 Jul 2020.

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Monthly Payment

HK$8,553

APR as low as 1.98%

Standard Chartered Personal Instalment Loan

APR*: 4.94%
Total Amount Payable: HK$102,634
Total Interest Payable: HK$2,634
Monthly Payment: HK$8,553

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Monthly Payment

HK$8,433

MoneySmart Exclusive

14-day Flexi Payment

PrimeCredit Civil Servant & Professional Loan

APR*: 2.38%
Total Amount Payable: HK$101,200
Total Interest Payable: HK$1,200
Monthly Payment: HK$8,433

MoneySmart Exclusive: 14-day Flexi Payment, 1% cash bonus will be rewarded upon successful application Valid till 31 Jul 2020.

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Monthly Payment

HK$8,520

Promotion

3 tailored repayment plans suggestion

WeLend Card Debt Consolidation Loan

APR*: 4.21%
Total Amount Payable: HK$101,224
Total Interest Payable: HK$1,236.24
Monthly Payment: HK$8,520

Promotion: New customers Get HK$50,000, Rebate HK$10,000! A.I. Card Debt Master calculates the best interest-saving repayment plan, skips Proof of Income and Address! Enhanced A.I. helps you to resolve all your debt! Valid till 31 Aug 2020.

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Monthly Payment

HK$8,533

MoneySmart Exclusive

Professional suggestions on best repayment plan

PrimeCredit Balance Transfer Loan

APR*: 4.64%
Total Amount Payable: HK$102,400
Total Interest Payable: HK$2,400
Monthly Payment: HK$8,533

APR*: 5.86%
Total Amount Payable: HK$103,120
Total Interest Payable: HK$3,120
Monthly Payment: HK$8,593

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Monthly Payment

HK$8,523

MoneySmart Exclusive

Repayment term up to 72 months

Citibank Card Debt Consolidation Loans

APR*: 4.26%
Total Amount Payable: HK$102,280
Total Interest Payable: HK$2,280
Monthly Payment: HK$8,523

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Monthly Payment

HK$8,660

Loan disbursement in as quick as 15 minutes

Dah Sing Express Money

APR*: 7.26%
Total Amount Payable: HK$103,924
Total Interest Payable: HK$3,924
Monthly Payment: HK$8,660

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Monthly Payment

HK$9,032

Monthly flat rate as low as 0.11%

Dah Sing Credit Mastermind Instalment Loan

APR*: 16.04%
Total Amount Payable: HK$107,200
Total Interest Payable: HK$7,279.20
Monthly Payment: HK$9,032

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Monthly Payment

HK$8,343

MoneySmart Exclusive

1-minute approval and same day disbursement

DBS Personal Instalment Loan

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 Jul 2020.

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Bank / Lending Companies	Loan Plans	Max. Loan Amount
Citibank	Citi Tax Season Loan	HK$2,000,000 or 12x monthly salary
Dah Sing	Dah Sing Express Money	HK$1,000,000 or 10x monthly salary
Bank of Communications	DreamCash Personal Loan	HK$1,200,000 or 12x monthly salary
Promise	Promise Easy Loan	HK$600,000
PrimeCredit	PrimeCredit Fixed Loan	HK$600,000 or 18x monthly salary
UA Finance	Real 0% Interest i-Money Internet Personal Loan	HK$100,000
AEON	AEON Flexi Loan	HK$800,000 or 8x monthly salary
Hang Seng	Hang Seng Personal Instalment Loan	HK$2,500,000 or 15x monthly salary
DBS	DBS Debt Consolidation Loan	HK$2,000,000 or 21x monthly salary

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.

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.

Compare the Best Personal Loans Rates and APRs 2020

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HK$8,533

Promise Easy Loan

Key Features

Repayment summary

HK$8,533

PrimeCredit Fixed Loan

Key Features

Repayment summary

HK$8,457

WeLend Personal Loan

Key Features

Repayment summary

HK$8,423

Citi Speedy Cash

Key Features

Repayment summary

HK$8,413

BEA "Super-Fast" Instalment Loan

Key Features

Repayment summary

HK$8,603

UA "NO SHOW" Personal Loan

Key Features

Repayment summary

HK$8,353

DBS Debt Consolidation Loan

Key Features

Repayment summary

HK$8,553

Standard Chartered Personal Instalment Loan

Key Features

Repayment summary

HK$8,433

PrimeCredit Civil Servant & Professional Loan

Key Features

Repayment summary

HK$8,520

WeLend Card Debt Consolidation Loan

Key Features

Repayment summary

HK$8,533

PrimeCredit Balance Transfer Loan

Key Features

Repayment summary

HK$8,533

AEON Flexi Loan

Key Features

Repayment summary

HK$8,457

BOC Express Cash Instalment Loan

Key Features

Repayment summary

HK$8,603

UA i-Money Internet Personal Loan

Key Features

Repayment summary

HK$8,754

Standard Chartered Debt Consolidation Program

Key Features

Repayment summary

HK$8,593

Hang Seng Personal Instalment Loan

Key Features

Repayment summary

HK$8,523

Citibank Card Debt Consolidation Loans

Key Features

Repayment summary

HK$8,660

Dah Sing Express Money

Key Features

Repayment summary

HK$9,032

Dah Sing Credit Mastermind Instalment Loan

Key Features

Repayment summary

HK$8,343

DBS Personal Instalment Loan