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 61 Personal Loans for you!
Citibank 花旗銀行 logo

Monthly Payment

HK$8,395

Monthly Payment
MoneySmart Exclusive
APR*
1.78%
Total Amount Payable
HK$100,744
Total Interest Payable
HK$744
Monthly Payment
HK$8,395

【A total of $18,899 rewards】 New customers who successfully apply and draw down the Citi Tax Season Loan can get a new iPad Pro (M2 chip, 12.9") 128 GB / iPhone 14, 128GB / Marshall Woburn II BT Wireless Speaker/DYSON AM09 Heater & Fan/ AirPods (3rd generation)/ **up to HK$8,000 Supermarket Voucher/ HK$8,000 Klook Coupon!!!

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

Monthly Payment

HK$8,383

Monthly Payment
MoneySmart Exclusive
Approval on Sundays
APR*
1.12%
Total Amount Payable
HK$100,600
Total Interest Payable
HK$600
Monthly Payment
HK$8,383
Welcome Offer worth up to HK$13,000! New customers who withdraw their loans before 31 December 2022, will receive a cash reward of up to HK$10,000▲ + HK$3,000 Apple Store Gift Card. Welcome Hong Kong non-permanent residents with 3 months and above working visa validity ※ 
Valid until 31 Dec 2022 - See more details below
Apply Now
DBS 星展銀行 logo

Monthly Payment

HK$8,453

Monthly Payment
MoneySmart Exclusive
Loan amount up to HK$2,000,000
APR*
6.61%
Total Amount Payable
HK$101,440
Total Interest Payable
HK$1,440
Monthly Payment
HK$8,453

New customers who successfully apply and drawdown DBS Debt Consolidation Loan via MoneySmart can get up to HK$13,800 rewards + Extra up to HK$7,200 Supermarket Cash Voucher/Apple Gift Card! Get up to a total HK$21,000 reward!

Valid until 31 Dec 2022 - See more details below
Apply Now
 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
 【MoneySmart Exclusive Offer】Up to HK$12,000 Cash Bonus will be rewarded for successful application! 
Valid until 31 Dec 2022 - See more details below
Apply Now
WeLab logo

Monthly Payment

HK$8,413

Monthly Payment
MoneySmart Exclusive
APR*
1.68%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413

【MoneySmart Exclusive Offer】Up to HK$17,576 rewards upon successful application and drawdown of WeLab Bank Debt Consolidation Loan via MoneySmart!
From now until 31 December 2022, customers enter referral code "NLSMRT" to successfully apply for loan and draw down the loan could win you up to HK$17,576 rewards (Including HK$13,888 draw down cash rebate from WeLab Bank and HK$3,000 Apple gift card/ HK$3,000 supermarket vouchers/ PHILIPS ADD6910DG RO Water Dispenser (Value at HK$3,388) from MoneySmart)



*Upon your submission of the gift redemption form, you acknowledge and agree the information entered in this form may be shared to business partners for validation and that business partners may share their results back to us for fulfilment purposes in accordance with our “Privacy Policy

Valid until 31 Dec 2022 - See more details below
Apply Now
UA 亞洲聯合財務 logo

Monthly Payment

HK$8,603

Monthly Payment
MoneySmart Exclusive
No documents required
APR*
1.68%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603
【UA Empower You with the highest cash reward】Offer: New & existing customers draw down on the designated amount via MoneySmart, enjoy Double Up Cash Reward up to HK$36,000 upon successful loan application and drawdown on the designated amount!
Valid until 18 Dec 2022 - See more details below
Apply Now
WeLend logo

Monthly Payment

HK$8,513

Monthly Payment
MoneySmart Exclusive
Income proof free for designated loan amount
The lowest APR
1.88%
Total Amount Payable
HK$102,160
Total Interest Payable
HK$2,160
Monthly Payment
HK$8,513

Selected customers who have successfully applied for and drawn down can receive up to HK$3,000 Apple Gift Card or supermarket voucher. Welcome offer cash rebate up to HK$16,000, total reward is up to HK$19,000!

Valid until 04 Dec 2022 - See more details below
Apply Now
中信銀行(國際) logo

Monthly Payment

HK$8,396

Monthly Payment
MoneySmart Exclusive
0% Handling Fee APR as low as 1.39%
APR*
1.39%
Total Amount Payable
HK$100,750
Total Interest Payable
HK$750
Monthly Payment
HK$8,396

【MoneySmart Exclusive Offer 】- Get total reward up to HK$20,000!
Customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to HK$20,000 Supermarket Voucher / HK$20,000 Apple Store Gift Card / ASUS Zenbook Pro 14 Duo OLED Notebook (retail price: HK$19,998) !

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

Monthly Payment

HK$8,643

Monthly Payment
MoneySmart Exclusive
APR as low as 1.65%
APR*
7.01%
Total Amount Payable
HK$103,720
Total Interest Payable
HK$3,720
Monthly Payment
HK$8,643

【MoneySmart Exclusive Offer 】- Get total reward up to HK$15,499!
From 1 December 2022 until 31 December 2022, customers  successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to HK$6,000 Harbour City e-Cash voucher or Supermarket Voucher or iPad Pro (retail value: HK$6,499) ; Enjoy welcome offer up to HK$9,000 cash rebate, total rewards up to HK$15,499!

Valid until 31 Dec 2022 - See more details below
Apply Now
UA 亞洲聯合財務 logo

Monthly Payment

HK$8,393

Monthly Payment
MoneySmart Exclusive
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
【UA Empower You with the highest cash reward】Offer: New & existing customers draw down on the designated amount via MoneySmart, enjoy Double Up Cash Reward up to HK$36,000 upon successful loan application and drawdown on the designated amount!
Valid until 18 Dec 2022 - See more details below
Apply Now
UA 亞洲聯合財務 logo

Monthly Payment

HK$8,393

Monthly Payment
MoneySmart Exclusive
Loan amount up to 300% of tax payable
APR*
1.38%
Total Amount Payable
HK$100,720
Total Interest Payable
HK$720
Monthly Payment
HK$8,393
APR as low as 1.38%. Loan amount up to 300% of tax payable for flexible cash out during the tax season!
Valid until 18 Dec 2022 - See more details below
Apply Now
livi logo

Monthly Payment

HK$14,183

Monthly Payment
APR*
1.08%
Total Amount Payable
HK$170,200
Total Interest Payable
HK$70,200
Monthly Payment
HK$14,183
Read More
富邦銀行 logo

Monthly Payment

HK$8,502

Monthly Payment
Fixed rate for privileged customers
APR*
3.79%
Total Amount Payable
HK$102,028
Total Interest Payable
HK$2,028
Monthly Payment
HK$8,502
Apply Now
UA 亞洲聯合財務 logo

Monthly Payment

HK$8,603

Monthly Payment
MoneySmart Exclusive
Approval and cash transfer even on Sat and Sun
APR*
1.68%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603
【UA Empower You with the highest cash reward】Offer: New & existing customers draw down on the designated amount via MoneySmart, enjoy Double Up Cash Reward up to HK$36,000 upon successful loan application and drawdown on the designated amount!
Valid until 18 Dec 2022 - See more details below
Apply Now
Zero Finance logo

Monthly Payment

HK$9,003

Monthly Payment
MoneySmart Exclusive
5s A.I. Approval , 24/7 FPS Fund Transfer
APR*
8.0%
Total Amount Payable
HK$108,040
Total Interest Payable
HK$8,040
Monthly Payment
HK$9,003
 [Limited Welcome Offer] New customers who enter the promo code "SMT1300" to apply for X Wallet eXpress Loan for the first time and successfully confirm the loan contract will receive up to HK$1,300 Cash Reward  (Exclusive reward will be fulfilled by X Wallet).
Valid until 31 Jan 2023 - See more details below
Apply Now
Grantit logo

Monthly Payment

HK$8,523

Monthly Payment
Non-TU
APR*
4.2%
Total Amount Payable
HK$102,280
Total Interest Payable
HK$2,280
Monthly Payment
HK$8,523
Apply Now
天星銀行Airstar logo

Monthly Payment

HK$8,467

Monthly Payment
APR*
2.99%
Total Amount Payable
HK$101,608
Total Interest Payable
HK$1,608
Monthly Payment
HK$8,467
Apply Now
AEON信貸財務(亞洲) logo

Monthly Payment

HK$8,473

Monthly Payment
Bank Promo
APR*
3.12%
Total Amount Payable
HK$101,680
Total Interest Payable
HK$1,680
Monthly Payment
HK$8,473
Bank Promo:
Upon successful application and drawdown, AEON Tax Loan will be eligible to receive up to HK$10,000 cash rebate and Offer monthly flat rate as low as 0.14%! Apply now and enjoy the cash rebate!
Valid until 28 Feb 2023 - See more details below
Apply Now
大新銀行 logo

Monthly Payment

HK$8,437

Monthly Payment
MoneySmart Exclusive
Loan disbursement in as quick as 15 minutes
APR* (include 1-month payment holiday and cash rebate)
1.38%
Total Amount Payable
HK$101,244.40
Total Interest Payable
HK$1,244.40
Monthly Payment
HK$8,437

【Welcome Offer Exclusive for MoneySmart Users】From now until 31 December 2022, customers who successfully apply for loan via MoneySmart and drawdown the loan on or before 31 January 2023 can get extra HK$300 Supermarket Voucher / Apple Gift Card!

Valid until 31 Dec 2022 - See more details below
Apply Now
富融銀行 logo

Monthly Payment

HK$8,909

Monthly Payment
APR*
3.88%
Total Amount Payable
HK$106,912
Total Interest Payable
HK$6,912
Monthly Payment
HK$8,909
Read More

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 Tax Season Loan (APR as low as 1.78%) can enjoy up to $18,899 rewards! Check out more exclusive offers on MoneySmart NOW!

How fast can I get a personal loan in HK?

Some personal loans in HK offer instant approval, best for people looking for a quick loan. Simply select the Instant Approval filter on our page and you will find a list of quick loans!

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!

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.

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.