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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
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We found 61 Personal Loans for you!
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中信銀行(國際) logo

Monthly Payment

HK$8,396

MoneySmart Exclusive
Earn HK$300 with no cost

CNCBI $mart Plus Tax Season Loan

APR*
1.39%
Total Amount Payable
HK$100,750
Total Interest Payable
HK$750
Monthly Payment
HK$8,396

【Selected Loan Offer in March】Get total reward up to HK$4,300!
Customers who successfully applied for CNCBI $mart Plus Tax Season Loan / CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate,  draw down the designated loan amount could enjoy up to HK$4,000 Supermarket Voucher / HK$4,000 Apple Gift Card /  SAMSUNG Galaxy Tab S7 FE Tablet (retail price: HK$3,998) ! Earn an extra HK$300 supermarket voucher from MoneySmart once successfully applied!

Valid until 26 Mar 2023 - See more details below
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Citibank 花旗銀行 logo

Monthly Payment

HK$8,413

MoneySmart Exclusive
Earn$300 with no cost

Citi Tax Season Loan

APR*
1.78%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413

【March 2023 selected loan products promotion - all applications approved or not approved are entitled extra $300 supermarket vouchers after submitting required documents 】 Successfully apply for Citi Tax Season Loan via MoneySmart and draw down the loan could enjoy up to HK$18,300 rewards.

Successfully apply for Citi Tax Season Loan during 20 March - 26 March with or without approval would offer HK$300 supermarket vouchers!
【March draw down last call rewards】Draw down the loan could enjoy up to HK$18,000 rewards (Including MoneySmart exclusive HK$8,000 Apple gift card/ HK$8,000 supermarket vouchers / SAMSUNG Galaxy S23+ Smartphone 256GB / SONY PlayStation VR2 with PlayStation with PlayStation Store HK$400 E-Voucher /  Steam Deck 256GB / Insta360 Go2 Ultra Light Action Camera /AirPods(3rd generation) )

Valid until 26 Mar 2023 - See more details below
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DBS 星展銀行 logo

Monthly Payment

HK$8,453

Loan amount up to HK$2,000,000

DBS Debt Consolidation Loan

APR*
6.61%
Total Amount Payable
HK$101,440
Total Interest Payable
HK$1,440
Monthly Payment
HK$8,453
Apply Now
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安信信貸 logo

Monthly Payment

HK$8,383

MoneySmart Exclusive
Earn HK$300 with no cost

PrimeCredit Fixed Loan

APR*
1.18%
Total Amount Payable
HK$100,600
Total Interest Payable
HK$600
Monthly Payment
HK$8,383

【Selected Loan Offer in March】 Customers who successfully applied for PrimeCredit Fixed Loan/ PrimeCredit Balance Transfer Loan / PrimeCredit Civil Servant & Professional Loan, up to HK$12,000 Cash Bonus will be rewarded for successful application! Extra HK$300 supermarket voucher from MoneySmart!

Valid until 26 Mar 2023 - See more details below
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WeLend logo

Monthly Payment

HK$8,513

MoneySmart Exclusive
Earn HK$300 with no cost

WeLend Personal Loan

The lowest APR
1.88%
Total Amount Payable
HK$102,160
Total Interest Payable
HK$2,160
Monthly Payment
HK$8,513

【Selected Loan Offer in March】 Customers who successfully applied for WeLend Personal Loan / WeLend Personal Loan (Available for tax season) / 【MoneySmart Exclusive Product】WeLend Civil Servant & Professional Loan / WeLend Card Debt Consolidation Loan,  selected customers can receive up to HK$16,000 Cash Rebate upon successful draw down! Earn an extra HK$300 supermarket voucher from MoneySmart once successfully applied!

Valid until 26 Mar 2023 - See more details below
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UA 亞洲聯合財務 logo

Monthly Payment

HK$8,603

MoneySmart Exclusive
Approval and cash transfer even on Sat and Sun

UA i-Money Express Online Personal Loan

APR*
1.68%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603

【Selected Loan Offer in March】Customers who successfully applied for UA i-Money Express Online Personal Loan/UA "No Show" Personal Loan/ UA Seasonal Tax Loan/ UA "NO SHOW" Personal Loan - Car Loan, to earn an extra HK$300 supermarket voucher from MoneySmart!

Valid until 26 Mar 2023 - See more details below
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WeLab Bank logo

Monthly Payment

HK$8,413

MoneySmart Exclusive
Earn $300 with no cost

WeLab Bank Debt Consolidation Loan

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

【March 2023 selected loan products promotion - all applications approved or not approved are entitled extra $300 supermarket vouchers 】From 20 March to 26 March 2023, all applications approved or not approved would offer extra $300 supermarket vouchers!

Successfully draw down the loan could enjoy up to HK$28,688 rewards (Including HK$13,888 draw down cash rebate from WeLab Bank and HK$14,500 Apple gift card/ HK$14,500 supermarket vouchers / Devialet Phantom II 98DB Wireless Speaker (retail price $14,390) )!



*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 “

Valid until 26 Mar 2023 - See more details below
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SCB 渣打銀行 logo

Monthly Payment

HK$8,643

MoneySmart Exclusive
APR as low as 1.85%

Standard Chartered Personal Instalment Loan (Available for tax season)

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$14,500!
From 1 March 2023 until 31 March 2023, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up toHK$6,500 supermarket voucher or HK$6,500 Apple Gift Card or LG AS65GDWH0 PuriCare™ 360° Air Purifier (retail price: HK$6,350) (colour is randomly distributed); Enjoy welcome offer up to HK$8,000 cash rebate, total rewards up to HK$14,500!

Valid until 31 Mar 2023 - See more details below
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UA 亞洲聯合財務 logo

Monthly Payment

HK$8,603

MoneySmart Exclusive
No document is required

UA "NO SHOW" Personal Loan

APR*
1.68%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603

【Selected Loan Offer in March】Customers who successfully applied for UA i-Money Express Online Personal Loan/UA "No Show" Personal Loan/ UA Seasonal Tax Loan/ UA "NO SHOW" Personal Loan - Car Loan, to earn an extra HK$300 supermarket voucher from MoneySmart!

Valid until 26 Mar 2023 - See more details below
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天星銀行Airstar Bank logo

Monthly Payment

HK$8,467

Airstar Bank Debt Consolidation Loan

APR*
2.99%
Total Amount Payable
HK$101,608
Total Interest Payable
HK$1,608
Monthly Payment
HK$8,467
Apply Now
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天星銀行Airstar Bank logo

Monthly Payment

HK$8,467

Airstar Bank Personal Loan

APR*
1.58%
Total Amount Payable
HK$101,608
Total Interest Payable
HK$1,608
Monthly Payment
HK$8,467
Apply Now
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Zero Finance logo

Monthly Payment

HK$9,003

MoneySmart Exclusive
5s A.I. Approval , 24/7 FPS Fund Transfer

X Wallet eXpress Loan APP

APR*
8.0%
Total Amount Payable
HK$108,040
Total Interest Payable
HK$8,040
Monthly Payment
HK$9,003
 [Limited Welcome Offer] From 1 February to 30 April 2023, new customers who enter the promo code "SMT800" to apply for X Wallet eXpress Loan for the first time and meet the specified conditions with an approved HK$30,000 or above loan will receive a HK$800 Cash Reward  (Exclusive reward will be fulfilled by X Wallet).
Valid until 30 Apr 2023 - See more details below
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livi logo

Monthly Payment

HK$8,593

Bank Promo

livi Flexi Loan "Personal Loan"

APR*
5.75%
Total Amount Payable
HK$103,120
Total Interest Payable
HK$3,120
Monthly Payment
HK$8,593
Bank Promo:
Enjoy APR as low as 1.75%*, earn up to $2,050 HKD cash rebate!
Effective immediately from now on to 31 March, earn an extra HK$1,700 rebate with MoneySmart exclusive invitation code 【MSMART#CASH3】. New customers who spend HK$250 at a single purchase can enjoy HK$250 welcome offer; apply for livi PayLater can enjoy another HK$100 welcome offer' , regardless of whether your Flexi Loan application is approved or not. Enjoy total up to HK$2,050 cash reward**!

For livi Flexi Loan "Personal Loan" Cash Rebate Offer (Drawdown with a minimum tenor of 36 months or above​), please refer to the following details and the terms & conditions.
Valid until 31 Mar 2023 - See more details below
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BOC 中國銀行 logo

Monthly Payment

HK$8,573

MoneySmart Exclusive
APR as low as 1.68%*

BOC Express Cash Instalment Loan - Tax Season Loan

APR*
5.49%
Total Amount Payable
HK$102,880
Total Interest Payable
HK$2,880
Monthly Payment
HK$8,573
【Limited Offer】Apply BOC Express Cash – Tax Season Loan via MoneySmart website, with insert reference code “AS”, can enjoy extra HK$100 Cash Rebate. Terms and Conditions applied. Including the “e-Lai See” Cash Rebate Offer, you can enjoy up to HK$2,900 Cash Rebate in total!
Valid until 31 Mar 2023 - See more details below
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邦民日本財務 logo

Monthly Payment

HK$8,533

MoneySmart Exclusive
Instant Approval Online◉

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 worth up to HK$10,000! New customers who withdraw their loans before 31 March 2023, will receive a cash reward of up to HK$10,000▲. Welcome Hong Kong non-permanent residents with 3 months and above working visa validity ※ 
Valid until 31 Mar 2023 - See more details below
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UA 亞洲聯合財務 logo

Monthly Payment

HK$8,393

MoneySmart Exclusive
Loan amount up to 300% of tax payable

UA Seasonal Tax Loan

APR*
1.38%
Total Amount Payable
HK$100,720
Total Interest Payable
HK$720
Monthly Payment
HK$8,393

【Selected Loan Offer in March】Customers who successfully applied for UA i-Money Express Online Personal Loan/UA "No Show" Personal Loan/ UA Seasonal Tax Loan/ UA "NO SHOW" Personal Loan - Car Loan, to earn an extra HK$300 supermarket voucher from MoneySmart!

Valid until 26 Mar 2023 - See more details below
Apply Now
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BEA 東亞銀行 logo

Monthly Payment

HK$8,633

APR as low as 2.04%*

BEA Tax Season Loan

APR*
6.78%
Total Amount Payable
HK$103,600
Total Interest Payable
HK$3,600
Monthly Payment
HK$8,633
Read More
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UA 亞洲聯合財務 logo

Monthly Payment

HK$8,393

APR as low as 1.38%

UA Civil Servants and Professionals Express Loan

APR*
1.38%
Total Amount Payable
HK$100,720
Total Interest Payable
HK$720
Monthly Payment
HK$8,393
Apply Now
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Citibank 花旗銀行 logo

Monthly Payment

HK$8,523

MoneySmart Exclusive
Earn $300 with no cost

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

【March 2023 selected loan products promotion - all applications approved or not approved are entitled extra $300 supermarket vouchers after submitting required documents.】☆Last Call draw down offer $500 ☆S****uccessfully apply for Citibank Card Debt Consolidation Loan via MoneySmart and draw down the loan could enjoy up to HK$8,000 rewards.



Successfully apply for Citibank Card Debt Consolidation Loan during 20 March - 26 March with or without approval would be eligible for HK$300 supermarket vouchers! Draw down the loan could enjoy up to HK$8,000 rewards (Including MoneySmart exclusive HK$8,000 Apple gift card/ HK$8,000 supermarket vouchers / SAMSUNG Galaxy S23+ Smartphone 256GB / SONY PlayStation VR2 with PlayStation with PlayStation Store HK$400 E-Voucher /  Steam Deck 256GB / Insta360 Go2 Ultra Light Action Camera /AirPods(3rd generation) )

Valid until 26 Mar 2023 - See more details below
Apply Now
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中信銀行(國際) logo

Monthly Payment

HK$8,546

MoneySmart Exclusive
Earn HK$300 with no cost

CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate

APR*
6.77%
Total Amount Payable
HK$102,556
Total Interest Payable
HK$2,556
Monthly Payment
HK$8,546

【Selected Loan Offer in March】Get total reward up to HK$4,300!
Customers who successfully applied for CNCBI $mart Plus Tax Season Loan / CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate,  draw down the designated loan amount could enjoy up to HK$4,000 Supermarket Voucher / HK$4,000 Apple Gift Card /  SAMSUNG Galaxy Tab S7 FE Tablet (retail price: HK$3,998) ! Earn an extra HK$300 supermarket voucher from MoneySmart once successfully applied!

Valid until 26 Mar 2023 - See more details below
Apply Now
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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.

Read more on Personal loans:

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.