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🚀 Fund your possibilities with Personal Instalment Loan: APR as low as 1.18% with instant approval

Your next chapter is waiting. Whether you’re scaling your business operations or elevating your everyday lifestyle, you need the right financial partner to fund your progress.

Introducing the all-new Mox Personal Instalment Loan—designed to give you the financial firepower to make those big ideas happen. Upgrade your resources and turn your 'what ifs' into reality today!

Borrow up to HKD1,000,000 with Mox Personal Instalment Loan from APR as low as 1.18%¹, with instant approval.

Fuel your ambition with up to HKD12,888 Cash Rewards🎁
Fuel your ambition with up to HKD12,888 Cash Rewards🎁

Fuel your ambition with up to HKD12,888 Cash Rewards🎁

From now until 31 July 2026, get rewarded while you reach your goals with up to HKD12,888 cash rewards!


Eligible Personal Instalment Loan amount Repayment period Reward
HKD250,000 to HKD399,999.99 36 months or above HKD800
HKD400,000 to HKD499,999.99 36 months or above HKD1,000
HKD500,000 to HKD749,999.99 36 – 48 months HKD2,000
49 months or above HKD4,000
HKD750,000 to HKD999,999.99 36 – 48 months HKD4,000
49 months or above HKD8,000
HKD1,000,000 or above 36 – 48 months HKD8,000
49 months or above HKD12,888

💡Cash Reward will be credited to your Mox Account on or before 31 January 2027.

Why choose Mox Personal Instalment Loan over traditional banks?


Because we’ve completely reimagined borrowing to put you in control. Mox is here to provide you with an instant solution that gives you more control over your money.
Instant Approval

Forget the waiting game. Apply on the app and know if you’re approved right away!
Simple Process

No paperwork hassle. Complete the entire process from start to finish right inside your Mox app!
Ultimate Flexibility

You're in control. Set a repayment period that suits your pace, up to 60 months.
Full Transparency

Personalized APR quoted upfront. Zero hidden fees. What you see is what you get.
Few simple steps to apply
Few simple steps to apply

Few simple steps to apply

Step 1: Open your Mox app > Tap ‘Borrow’ 

Step 2: Choose ‘Personal Instalment Loan’ 

Step 3: Follow the on-screen instructions to complete your application. That’s it! 

To borrow or not to borrow? Borrow only if you can repay!

Please refer to the Personal Loan Schedule and the Personal Instalment Loan Key Facts Statement for further details.

¹For a Personal Instalment Loan with a principal amount of HKD1,000,000 with a repayment period of 6 months, the Annualised Percentage Rate (APR) is as low as 1.18% (which does not include any cash reward under the Personal Instalment Loan Cash Reward Promotion). Total repayment amount is HKD1,003,420. The APR is calculated using methods specified in relevant guidelines as set out in the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR for a Personal Instalment Loan is subject to Mox’s final decision on a case-by-case basis

²Personal Instalment Loan Cash Reward Promotion Terms and Conditions apply. For a Personal Instalment Loan with a principal amount of HKD1,000,000 with a repayment period of 60 months, the Annualised Percentage Rate (APR) is as low as 3.42% (when including the cash reward of HKD12,888, which will be credited to your Mox Account on or before 31 January 2027), while the APR excluding cash rewards is as low as 3.96%.