Monthly Payment
HK$8,573
- The lowest APR*
- 1%
- Total Amount Payable
- HK$205,760
- Total Interest Payable
- HK$5,760
- Monthly Payment
- HK$8,573
July Exclusive － Total Rewards up to HK$35,998! ⭐️
From now until 31 July, customers who successfully applied for WeLend Personal Loan / WeLend Civil Servant & Professional Loan via MoneySmart and submitted all the required documents can enjoy HK$1,000 Apple Store Gift Card🍎 (fulfilled by WeLend) - regardless of approval!
Successfully apply and drawdown the loan with a designated amount, can get MoneySmart Exclusive RO Water Server / Cordless Vacuum Cleaner; as well as Cash Rebate up to 🤑HK$32,000 from WeLend! Total rewards up to HK$35,998! 🎁
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Monthly Payment
HK$8,564
- APR as low as*
- 1.65%
- Total Amount Payable
- HK$201,536
- Total Interest Payable
- HK$1,536
- Monthly Payment
- HK$8,564
【Rewards Upgrade 🎁 with Greater Flexibility in Repayment!】－ Get total reward up to HK$25,290!🔥
From now until 14 July, 2025, customers successfully draw down CNCBI $mart Plus Personal Instalment Loan with designated loan amount via MoneySmart could enjoy designated prizes up to HK$25,290,－include 🆙 HK$5,000 Vouchers OR 🎧 Exciting New Gifts : Headphone OR Portable Speakers! Also earn extra Cash Rebate up to HK$16,800!
🚨MoneySmart's New Approach－Successfully drawdown with Unified Repayment Period of 12 months or above to choose the perfect gift!
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🤑 July Exclusive － Regardless of Approval!
Apply for CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate via MoneySmart and submit all the required documents, you can earn HK$500 cash rebate regardless of approval (automatically converted by 5,000 SmartPoints and will directly deposit into your FPS account)!⠀⠀
Monthly Payment
HK$8,473
- APR*
- 1.4%
- Total Amount Payable
- HK$203,360
- Total Interest Payable
- HK$3,360
- Monthly Payment
- HK$8,473
🤑 10 days only in July - Earn HK$1000 cash upon application !🤑
From 9 July to 18 July, customers who successfully applied for a designated loan via MoneySmart and submit the required documents can enjoy HK$1000 cash (automatically converted by 10,000 SmartPoints) directly deposited into your FPS account - regardless of approval!
【🎊Brand new Gadgets Await !】Apply to get up to HK$20,798 Rewards!
New customers who successfully apply for the Citi Speedy Cash / Citi Card Debt Consolidation Loan on or before 31 July 2025 and successfully draw down on or before 31 August 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. New gift selections including newly launched Dyson Supersonic r™ hair dryer and LG Air Purifier!
📣 APR as low as 1.4% with up to HK$8,000 Reward and 48 months repayment period —to better arrange personal cash flow!
Monthly Payment
HK$8,433
- The Lowest APR
- 1.18%
- Total Amount Payable
- HK$202,400
- Total Interest Payable
- HK$2,400
- Monthly Payment
- HK$8,433
Monthly Payment
HK$9,047
- APR as low as*
- 6.38%
- Total Amount Payable
- HK$209,120
- Total Interest Payable
- HK$9,120
- Monthly Payment
- HK$9,047
Apply and redeem any of these rewards
5 Days only! Decluttering Your Card Debt with MoneySmart💥
From 14 July until 18 July 2025, customers who successfully apply for DBS Debt Consolidation Loan via MoneySmart and submit the required documents will receive HK$800 in cash (automatically converted by 8,000 SmartPoints) directly deposited into your FPS account - regardless of approval! Successfully drawdown the loan amount of HK$300,000 or above, you can earn an extra HK$2,500 in cash (automatically converted by 25,000 SmartPoints) － Upgrading the reward to HK$3,300 cash! 💰
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MoneySmart Exclusive : Successfully drawdown with designated loan amount to earn up to HK$13,000 rewards + DBS Coupon of up to HK$23,800! Total rewards up to HK$40,100! 🤑
Monthly Payment
HK$8,533
- APR as low as*
- 1.98%
- Total Amount Payable
- HK$204,800
- Total Interest
- HK$4,800
- Monthly Payment
- HK$8,533
【MoneySmart Exclusive － Get up to HK$21,400 Rewards now!】
From 9th June until 30th December 2025, qualified new customer register and drawdown CreFIT Cash Loan with certain amount, with repayment period 12 months or more in order to enjoy up to HK$20,000 cashback.🎉
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From now until 31 July 2025, eligible new customer applying via MoneySmart can also receive up to HK$1,400 cash voucher (For details, please refer to MoneySmart's terms) ! Total rewards up to HK$21,400💰
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Incognito mode quotation with no impact on credit rating#, No income proof required, Cash Loan Approval Pledge^ Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns. Open an account and apply for a loan using the exclusive link and referral code!
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Monthly Payment
HK$8,493
- APR*
- 1.68%
- Total Amount Payable
- HK$203,840
- Total Interest Payable
- HK$3,840
- Monthly Payment
- HK$8,493
【Upgraded Offer – up to $28,187 rewards】 Seize market opportunities💰Click in secure capital in 3 steps
From 1 July until 31 July 2025, apply for WeLab Bank Personal Instalment Loan via MoneySmart using promo code 「NLSMRT」to earn up to 🔥 HK$28,187 Rewards!
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Apply and submit all the required documents to get up to 13,000 SmartPoints and fully redeem HK$1,300 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) from our Rewards Store. But thats not all! Successfully apply and drawdown a loan to earn cash rebate up to HK$18,888 offered by WeLab Bank and MoneySmart exclusive rewards up to HK$7,999 as well!
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No need to borrow up to HK$1 million or above, loans of HK$500,000 or more can enjoy low interest rates as low as 1.68% APR.
Monthly Payment
HK$8,433
- APR*
- 1.12%
- Total Amount Payable
- HK$202,400
- Total Interest Payable
- HK$2,400
- Monthly Payment
- HK$8,433
【MoneySmart Exclusive】Drawdown of HK$10,000 or above to get rewards worth HK$2,100 (HK$1,600 cash + HK$500 supermarket voucher▲)!
⠀⠀
During promotional period, successfully apply for Promise Easy Loan/Promise No-doc Loan/Promise Debt Consolidation Loan via MoneySmart, you can enjoy:
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1️⃣ New Customers who have completed a drawdown of HK$10,000 of above, are entitled to enjoy HK$1,600 cash rebate (automatically converted by 16,000 SmartPoints and will directly deposit into your FPS account)
⠀⠀
2️⃣ Rookie loan applicants who have applied loan with promo code “SMART” and successfully drawn down the loan, are entitled to HK$500 supermarket voucher. No Supporting Documents Required#. Online Instant Approval⦿.
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Earn rewards worth up to HK$2,100 in total!
Monthly Payment
HK$8,437
- APR as low as*
- 1.15%
- Total Amount Payable
- HK$202,496
- Total Interest Payable
- HK$2,496
- Monthly Payment
- HK$8,437
【Limited-time 100% Interest rebate】
From 1 July until 14 July 2025, apply for X Wallet X Cash.AI via MoneySmart, and enter the promo code "MSZERO", you can earn:
1. HK$800 Apple Store Gift Card / PARKnSHOP supermarket voucher / HKTVmall e-Voucher regardless of approval (fulfilled by MoneySmart)
2. 0% interest rate for the first 30 days reward from X Wallet upon successfully drawing down HK$20,000 or above and meeting specified conditions.
Monthly Payment
HK$8,733
- APR*
- 4.49%
- Total Amount Payable
- HK$209,600
- Total Interest Payable
- HK$9,600
- Monthly Payment
- HK$8,733
【MoneySmart Exclusive】Drawdown of HK$10,000 or above to get rewards worth HK$2,100 (HK$1,600 cash + HK$500 supermarket voucher▲)!
⠀⠀
During promotional period, successfully apply for Promise Easy Loan/Promise No-doc Loan/Promise Debt Consolidation Loan via MoneySmart, you can enjoy:
⠀⠀
1️⃣ New Customers who have completed a drawdown of HK$10,000 of above, are entitled to enjoy HK$1,600 cash rebate (automatically converted by 16,000 SmartPoints and will directly deposit into your FPS account)
⠀⠀
2️⃣ Rookie loan applicants who have applied loan with promo code “SMART” and successfully drawn down the loan, are entitled to HK$500 supermarket voucher. No Supporting Documents Required#. Online Instant Approval⦿.
⠀⠀
Earn rewards worth up to HK$2,100 in total!
Monthly Payment
HK$8,493
- APR*
- 1.68
- Total Amount Payable
- HK$203,840
- Total Interest Payable
- HK$3,840
- Monthly Payment
- HK$8,493
【No address proof and income proof needed】
No more complicated procedures or documents required! Complete your loan application, approval, and smart management all within 1 App, with a simple and truly convenient process. Successfully apply and withdraw a designated loan amount, and you can enjoy up to HK$18,888 cash rebate from WeLab Bank3! Loans are faster and more convenient, helping you easily seize various financial opportunities!
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From 1 July until 31 July 2025, apply for WeLab Bank Personal Instalment Loan via MoneySmart using promo code 「NLSMRT」to get up to 🔥 13,000 SmartPoints and fully redeem HK$1,300 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) from our Rewards Store. But thats not all! Successfully apply and drawdown a loan to earn cash rebate up to HK$18,888 offered by WeLab Bank and MoneySmart exclusive rewards up to HK$7,999 as well!)！
Monthly Payment
HK$8,873
- APR*
- 6.28%
- Total Amount Payable
- HK$212,960
- Total Interest Payable
- HK$12,960
- Monthly Payment
- HK$8,873
【MoneySmart Exclusive Offer 】APR as low as 1.85%^, Get total rewards up to HK$16,698!
From now on until 31 July 2025, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to Samsung Galaxy Z Flip6 (value: $8,698) or iPad Air 13-inch 256GB (Value: HK$7,099)Mac mini (M4, 256GB SSD, 16GB RAM) (Value: HK$4,599) or up to HK$7,800 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher/ HKTVmall e-Voucher!
Monthly Payment
HK$8,429
- APR as low as
- 1.1%
- Total Amount Payable
- HK$202,304
- Total Interest Payable
- HK$2,304
- Monthly Payment
- HK$8,429
From 1 July 2025 to 31 July 2025, successfully apply for UA i-Money Express Online Personal Loan via MoneySmart, you can enjoy:
1️⃣ HK$1,000 exclusive cash (automatically converted by 10,000 SmartPoints) and will directly deposit into your FPS account for successful applications - regardless of approval!
2️⃣ Drawdown to enjoy up to HK$18,000 cash rewards^!
Monthly Payment
HK$8,433
- The Lowest APR
- 1.18%
- Total Amount Payable
- HK$202,400
- Total Interest Payable
- HK$2,400
- Monthly Payment
- HK$8,433
Monthly Payment
HK$8,533
- APR as low as*
- 1.38%
- Total Amount Payable
- HK$204,800
- Total Interest Payable
- HK$4,800
- Monthly Payment
- HK$8,533
【MoneySmart Exclusive － Get up to HK$21,400 Rewards now!】
From 9th June until 30th December 2025, qualified new customer register and drawdown CreFIT Cash Loan with certain amount, with repayment period 12 months or more in order to enjoy up to HK$20,000 cashback.🎉
⠀⠀
From now until 31 July 2025, eligible new customer applying via MoneySmart can also receive up to HK$1,400 cash voucher (For details, please refer to MoneySmart's terms) ! Total rewards up to HK$21,400💰
⠀⠀
Incognito mode quotation with no impact on credit rating#, No income proof required, Cash Loan Approval Pledge^ Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns. Open an account and apply for a loan using the exclusive link and referral code!
Monthly Payment
HK$8,693
- APR*
- 4.11%
- Total Amount Payable
- HK$208,640
- Total Interest Payable
- HK$8,640
- Monthly Payment
- HK$8,693
【Upgraded Offer – up to $32,687 rewards】
From 1 July until 31 July, 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$7,999 as well!
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Save up to 97% on interest and clear all your credit card debt with a new perspective!
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Monthly Payment
HK$8,573
- The lowest APR
- 1.88%
- Total Amount Payable
- HK$205,760
- Total Interest Payable
- HK$5,760
- Monthly Payment
- HK$8,573
From 1 July 2025 - 31 July 2025, apply for WeLend designated loan via MoneySmart, successfully drawdown a designated loan amount, can earn up to 💰 HK$32,000 Rewards!a
Monthly Payment
HK$9,067
- APR as low as*
- 5.91%
- Total Amount Payable
- HK$209,600
- Total Interest Payable
- HK$9,600
- Monthly Payment
- HK$9,067
Apply and redeem any of these rewards
【🔝Offer Upgrade -Get up to a total of HK$19,700 rewards】
Earn an extra HK$500 upon submitting + New customers who successfully apply and drawdown DBS Personal Instalment Loan via MoneySmart can get up to HK$12,000 rewards + Extra up to 72,000 SmartPoints!
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1️⃣ Get extra HK$500 cash regardless of approval !
From now until 31 July, customers who successfully applied for a designated loan via MoneySmart and submit the required documents can enjoy HK$500 cash (automatically converted by 5,000 SmartPoints) directly deposited into your FPS account - regardless of approval!
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2️⃣ 72,000 SmartPoints can fully redeem HK$7,200 cash vouchers (over 20+ brand vouchers including Apple / PARKnSHOP supermarket voucher, etc) or SAMSUNG GALAXY Tab S9 5G (12GB RAM + 256GB) (Value: HK$7,188) or SAMSUNG The Freestyle Projector 2nd Gen (Value: HK$6,980) or 11-inch iPad Pro Wi-Fi 128GB (Value: HK$6,499) or cash out HK$4,800 via FPS. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints!
Monthly Payment
HK$9,173
- APR*
- 5.16%
- Total Amount Payable
- HK$220,160
- Total Interest Payable
- HK$20,160
- Monthly Payment
- HK$9,173
🤑 10 days only in July - Earn HK$1000 cash upon application !🤑
From 9 July to 18 July, customers who successfully applied for a designated loan via MoneySmart and submit the required documents can enjoy HK$1000 cash (automatically converted by 10,000 SmartPoints) directly deposited into your FPS account - regardless of approval!
【🎊Brand new Gadgets Await !】Apply to get up to HK$20,798 Rewards!
New customers who successfully apply for the Citi Speedy Cash / Citi Card Debt Consolidation Loan on or before 31 July 2025 and successfully draw down on or before 31 August 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. New gift selections including newly launched Dyson Supersonic r™ hair dryer and LG Air Purifier!
📣 Bank welcome offer up to HK$8,000 Reward and 48 months repayment period —to better arrange personal cash flow!
Monthly Payment
HK$8,573
- The lowest APR*
- 1.88%
- Total Amount Payable
- HK$205,760
- Total Interest Payable
- HK$5,760
- Monthly Payment
- HK$8,573
From 1 July 2025 - 31 July 2025, apply for WeLend designated loan via MoneySmart, successfully drawdown a designated loan amount, can earn up to 💰 HK$32,000 Rewards!a
