Personal Loan Comparison

Last updated: 2026-08-27

Why compare with Money932?

Every option on one page

No more hunting across bank websites. We consolidate products from major Hong Kong institutions so you can compare rates, fees and offers side by side.

Transparent and neutral

Uniform comparison criteria. Rankings are never sold. Product terms are laid out clearly so you can decide with confidence.

Free to use, always

The platform is funded by institutions, not users. Using Money932 costs you nothing and never affects your application terms.

Quick Summary

Institution	Lowest APR ▲	Bonus Value	Monthly Repayment From	Total Interest From
WeLend Personal Loan WeLend Details Fully online application, same-day approval Soft-check pre-approval without TU enquiry Flexible tenor of 6-72 months	1.00%	HK$5,136	HK$7,646	HK$3,499	Apply Now ↗
BEA Instalment Loan Bank of East Asia Details Seasonal tax-loan preferential rate Extra bonus value Instant online decision	1.00%	HK$20,800	HK$7,581	HK$1,944	Apply Now ↗
WeLab Bank Personal Instalment Loan WeLab Bank Details One of the lowest published APRs in HK No-document income option available Instant in-app approval	0.65%	HK$1,000	HK$7,644	HK$3,456	Apply Now ↗
WeLend No-Document Loan WeLend Details No income proof required Online contract signing Instant fund disbursement	1.88%	—	HK$7,646	HK$3,499	Apply Now ↗
ZA Bank Instalment Loan ZA Bank Details 24/7 online application Approval and disbursement in one app No early repayment penalty	1.30%	HK$3,800	HK$7,605	HK$2,523	Apply Now ↗
Citi Ready Credit Cash Loan Citibank Details Approval within 30 minutes online Instant fund transfer Exclusive cash rewards	1.78%	HK$2,800	HK$7,644	HK$3,456	Apply Now ↗
CNCBI $mart Plus Instalment Loan CNCBI Details Quick in-app application Among the lower-rate options Flexible loan amount	1.78%	HK$2,800	HK$7,568	HK$1,642	Apply Now ↗
OCBC Personal Loan OCBC Wing Hang Details Preferential tax-season rate Rich cash rebates Instant online approval	1.30%	HK$4,500	HK$7,753	HK$2,419	Apply Now ↗
Prime Credit Fixed-Amount Personal Loan Prime Credit Details APR from 1.18% Flexible approval Tenor up to 60 months	1.18%	—	HK$7,590	HK$2,160	Apply Now ↗
X-Cash A.I. Loan by X Wallet X Wallet Details AI-powered instant approval High bonus value Fully online application	1.15%	HK$11,000	HK$7,594	HK$2,246	Apply Now ↗
Promise Fast Low-Rate Loan Promise Details Trusted Japanese finance brand No-document option available Branch + online channels	1.12%	HK$4,500	HK$7,590	HK$2,160	Apply Now ↗
Fubon Personal Loan Fubon Bank Details Flexible approval by Taiwanese bank High loan amount option Suitable for freelancers	8.50%	HK$6,000	HK$8,157	HK$15,768	Apply Now ↗
WeLab Bank Debt Consolidation Loan WeLab Bank Details Designed for clearing card debt One-off settlement of card balances Fixed monthly repayment	4.11%	HK$1,000	HK$7,819	HK$7,664	Apply Now ↗
DBS LoanEase Personal Loan DBS Bank Details Backed by DBS Group Convenient online application Instant transfer for existing customers	6.38%	HK$3,100	HK$7,698	HK$4,752	Apply Now ↗
CCB (Asia) Good Cash Instalment Loan CCB (Asia) Details Low rates from a major Chinese bank Seasonal tax-loan offers Handling fee waived	1.33%	HK$3,500	HK$7,630	HK$3,123	Apply Now ↗
BOC Easy Money Instalment BOC Hong Kong Details Stable approval by note-issuing bank Extensive branch network Ideal for existing BOC customers	6.76%	—	HK$8,023	HK$12,554	Apply Now ↗
ZA Bank Debt Jump ZA Bank Details Virtual-bank debt solution Fully in-app process No handling fee	3.95%	HK$3,300	HK$7,644	HK$3,456	Apply Now ↗
Standard Chartered Personal Loan Standard Chartered Details International banking group Fast online application Competitive rates	1.85%	HK$1,000	HK$7,649	HK$3,586	Apply Now ↗
OK Finance Fast Low-Rate Loan OK Finance Details Upgraded new-customer bonus 24-hour approval Flexible repayment	1.12%	HK$4,300	HK$7,590	HK$2,160	Apply Now ↗
Dah Sing Quick Cash Instalment Dah Sing Bank Details Local family-owned bank Lower entry threshold Fast approval	1.38%	HK$500	HK$7,740	HK$5,759	Apply Now ↗
CreFIT Cash Loan CreFIT Details Very high bonus value Dedicated homeowner/civil-servant plans Unsecured	1.38%	HK$62,200	HK$7,608	HK$2,588	Apply Now ↗
HSBC Flexible Instalment Plan HSBC Details Hong Kong's largest note-issuing bank Instant transfer for HSBC customers Full branch services	6.75%	—	HK$8,022	HK$12,528	Apply Now ↗
Money Rich Express Loan MONEY RICH Details Top pick for small emergency loans Simple documentation Approval in as fast as 1 hour	1.98%	HK$800	HK$7,661	HK$3,871	Apply Now ↗
Mox Instant Loan Mox Bank Details One-tap borrowing in Mox app Seconds-level approval No hidden fees	1.18%	HK$1,000	HK$7,603	HK$2,462	Apply Now ↗
DBS Fixed-Amount Personal Loan DBS Bank Details Very low total interest For short-term needs Fixed repayment amount	4.04%	HK$2,000	HK$7,518	HK$432	Apply Now ↗
CNCBI $mart Plus Balance Transfer CNCBI Details Dedicated balance-transfer plan Consolidate multiple card debts Clear interest cost	7.20%	HK$2,800	HK$7,896	HK$9,504	Apply Now ↗
Standard Chartered Debt Consolidation Standard Chartered Details Large-ticket consolidation Longest tenor options Lower monthly burden	9.60%	HK$2,800	HK$8,240	HK$17,751	Apply Now ↗
CCB (Asia) Low-Rate Balance Transfer CCB (Asia) Details Low-rate card debt clearance Rich rewards Bank-grade assurance	4.95%	HK$4,800	HK$7,896	HK$9,504	Apply Now ↗
Citi Credit Card Balance Transfer Citibank Details Instant card debt settlement Transparent instalment fees Apply in-app	5.40%	HK$2,800	HK$7,932	HK$10,368	Apply Now ↗
K Cash Private Housing Owner Loan K Cash Details Plans for private/HOS/public housing No re-mortgage needed Fast approval	2.88%	HK$300	HK$7,734	HK$5,616	Apply Now ↗
HK Finance Homeowner Loan HKF Details High-amount homeowner loan Flexible no-deed-search option Same-day approval	8.00%	HK$20,000	HK$8,130	HK$15,120	Apply Now ↗
COCO Credit Revolving Loan OK Finance Details Borrow and repay anytime Interest on drawn amount only Instant in-app drawdown	1.98%	HK$300	HK$7,673	HK$4,147	Apply Now ↗
AskBing No-TU Personal Loan MONEY RICH Details No TransUnion check Low entry requirements For emergency cash flow	4.50%	HK$300	HK$7,854	HK$8,497	Apply Now ↗
UA i-Money Online Personal Loan United Asia Finance Details Established lender Fully online approval Rates from 1.10%	1.10%	HK$5,000	HK$7,587	HK$2,087	Apply Now ↗
UA Homeowner Privilege Loan United Asia Finance Details Preferential homeowner rates No valuation or deed search Large cash-out amounts	2.98%	HK$5,000	HK$7,608	HK$2,592	Apply Now ↗
BEA Car Loan Bank of East Asia Details Accepts dealer and private purchases Low car-loan rates Fast approval	1.00%	HK$20,800	HK$7,581	HK$1,944	Apply Now ↗
Prime Credit Unsecured Car Loan Prime Credit Details No vehicle collateral needed New and used cars Same-day approval	1.18%	HK$1,000	HK$7,590	HK$2,160	Apply Now ↗
WeLend Revolving Loan WeLend Details Flexible draw & repay Interest on drawn amount only Instant in-app drawdown	1.98%	HK$1,000	HK$7,661	HK$3,871	Apply Now ↗
Prime Credit WeWa Revolving Loan Prime Credit Details Cash-pool style credit Line restores on repayment Earn WeWa points on spend	1.18%	HK$600	HK$7,590	HK$2,160	Apply Now ↗

For reference only. Actual terms are subject to each institution's official announcement. Monthly repayment estimated on HK$180,000 over 24 months.

🧮 Loan Calculator

Loan amount (HK$)

Tenure (months)

APR (%)

Monthly repayment

HK$7,665

Total repayment

HK$183,970

Total interest

HK$3,970

Results are indicative only. Actual repayment depends on the lender's approval.

FAQ

What is APR on a personal loan?

APR annualises the total cost of a loan including interest and fees such as handling or insurance charges, making it the fairest basis for comparison. Hong Kong law requires lenders to display APR prominently — always compare APR rather than monthly flat rates.

Bank loan or licensed lender — which is better?

If you have a strong credit history and stable income, banks usually offer lower rates. If you need urgent funds or have weaker credit, licensed lenders approve faster with looser criteria but higher rates. Compare APRs against your own profile before deciding.

Does applying for a personal loan affect my credit score?

Each lender's TU (TransUnion) enquiry leaves a record, and multiple applications within a short period can pressure your score. Compare carefully first, then apply to only one or two lenders that best match your profile.

How long does approval and disbursement take?

Online loans can be approved instantly with funds arriving within minutes to one business day; traditional banks typically take 1-3 business days. Virtual banks and some lenders operate round the clock.